Orloski's car wash wilkes barre pa

Bio
Age: 32
Occupation: Senior Digital Marketing Manager
Location: HCOL, Midwest, US
Salary
Gross income: Currently, $103.5K + 10% annual bonus. Starting next week, $117K + 15% annual bonus! I do some sporadic freelance work for $2-3K per year. Husband is $51K. HHI is $168K (no bonus).
Net income: Current biweekly paycheck is ~$2.8K. Deductions: $75 HSA, health insurance, taxes. Not sure what new paycheck will be! Husband’s is ~$1.5K. Deductions: 401K, health insurances, taxes.
Income progression:
- 2012: After undergrad, got a part time contract job as a community manager (when social media was just barely a thing for businesses). Made $12/hr. Also was a server. All in w/both, $35-45K.
- 2014-2017: Over 5 years, contract gig got more serious. I quit my serving job as I made more from contract gig. Eventually, my role was absorbed by largest client. Started w/them as a social media manager at $55K.
- 2019: After a couple years, took new job in editorial/writing for $51K.
- 2019: Company filed for Chapter 11 bankruptcy 6 weeks after I got there (lol). So got a digital marketing manager job in a new, much more expensive city making $70K.
- 2021: After 2 years & a short COVID furlough, joined my current company as a digital marketing manager (under a former boss) at $102K + 10% bonus.
- 2022: Last year, received COL raise to $103.5K.
- March 2023: As of next week, start promotion to senior digital marketing manager w/$117K salary + 15% annual bonus.
Assets & Debt
First, to start: my husband & I share finances. We’ve been together for nearly 8 years. We officially combined everything after we got married about a year ago. All assets, spend, etc. reflects both of us.
Assets:
Retirement balance: ~$2K & that’s it. I did not grow up w/financially fluent family (they also didn’t have any money), nor did I have an understanding about retirement until recently. I’ve also been prioritizing enjoying some of my spoils/saving for other things, tbh. This is changing soon!
Savings balance: $21.5K. Have some medically necessary procedures coming up (not covered by insurance) so socking away for that. We also rent, so always want to have moving cash accessible just in case.
Joint checking: $5.6K.
Solo checking: $1.4K
Debt:
Student loans: none! Paid mine off in 2020 (~$20K total). (I qualified for a lot of aid; scholarships, grants & subsidized student loans covered my undergrad degree. My parents did not contribute.)
Mortgage: n/a. We rent.
Car: $550 monthly. Bought the car 6 years ago. First decent car either one of us has had. Worth it. (~$3.5K left. We’re gonna pay this off in the spring.)
Credit card: Currently $3K but we pay off in full each month.
Monthly Recurring Expenses
Rent: $2,100 for 2 bed, 2 bath, 3rd floor walkup, including outdoor parking space. We’ve lived here almost 4 years. Rent has not increased.
Electric & gas: $250-$350 depending on time of year.
Internet: ~$70.
Car insurance: ~$200 for two cars.
Phones & service: $155 for two phones + service but I get an $80 subsidy for work, so $75.
Fitness: $209 for unlimited Orangetheory. I go ~3 times/week & it’s great.
Prescriptions: ~$90. I have a daily inhaler & I take Adderall for ADHD.
Subscriptions: YouTube music, streaming TV, random podcasts, etc. my husband supports: ~75.
Savings: We put $1K-$2.5K in savings every month.
Weekly Diary!
DAY 1 – TOTAL: $4.75

• Up at 6:15 – Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Quick bath & read a book (this week’s reading: When You are Engulfed in Flames by David Sedaris; Mindset by Carol Dweck)
• Dressed & ready, took bus to work. Had team lunch, meetings, etc. all day.
• Getting home was a shitshow. Waited for the train – too crowded to get on. Waited for a bus – same. Eventually caught the train home. $2.50.
• Hung around w/husband, watched Succession, made half a grilled cheese for dinner

DAY 2 – TOTAL: $208.20

• Up at 6:30ish - Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Bath & reading – every morn!
• Cleaned the kitchen a bit
• Had to pay a bunch of bills manually. My credit card number got stolen awhile ago so bank sent me a new one w/a new number. But the old number (on file w/lots of places for autopay) still worked?? So I just let it ride.
• Started getting emails/calls that the old CC number was no longer valid. SO i paid some bills:
  • Speech pathologist: I’m getting evaluated for possible double jaw surgery so had to see a speech path for evaluation. If you have never been asked by a doctor to open your mouth & show them the chewed graham cracker on your tongue, I highly recommend. :) $178.20
  • Physicians assistant: I go see a PA once every 3 months for ADHD medication. $30
  • iPhone: covered above
  • Orangetheory: covered above
• Then off to WHF! Reporting for pilot I led, atatus meeting w/our digital agency, other calls, etc.
• On Wednesday nights, I take a stand up comedy class! Super fun & I’m really enjoying it. Had to do a rewrite of last week’s set so banged out right before class.
• Listened to last week’s piece & feedback, then voice transcribed into Word doc. I have an editing/writing background/degree & lots of speaking/performance so had a great time on rewrite. I was running late so I took an Uber there: $12.90
• Had a great time at class! It goes til 10pm & I’m old so caught an Uber home: $18.95.
• Got home & dumped tonight’s set & feedback into Word doc. Reddit-ed for a few. Sleep around 11pm.

DAY 3 – TOTAL: $325

• WFH again. Chill day. Hard for me to stay out late (for me) at class on Wednesday nights & have a good productive day the next one.
• Was NOT going to spend money today but Colin Jost the comedian is coming to town the night before my birthday!! I bought 2 tickets on Vivid Seats for my husband & me. $229.78
• Was gonna go to Orangetheory in the evening but cancelled – too tired. $14 for cancelling.
• Husband went to Costco on his way home. Got paper towels & a few other things & a giant pizza! We ate it for dinner. $81.22

DAY 4 – TOTAL: $0

• Up around 6:40. Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Bath & reading! Washed my hair, so styling routine & diffusing.
• 9am meeting w/agency – took from the couch.
• Called around for a pharmacy who has my prescription for Adderall & found one! So then called the doc & had them send it over. Glad this is done!!
• THEN called health insurance. I need to have an expander put in my mouth because I have nasal breathing issues (and a severe open bite & moderate cross bite, all due to a narrow upper palate), BUT not clear if insurance covers it. Was on for 40 minutes – answer is inconclusive. A TIP: orthodontic/orthagnathic surgeries are an insurance nightmare. :/
• Lots of downtime today. Emails & reporting mostly but also a lot of researching the procedure I need to have. Called a coworker in the afternoon.
• Really sluggy so Diet Dr Pepper around 2:30pm – rare for me. Try to avoid caffeine after lunch.
• Ended up taking a nap from 5:30pm-7pm. Hung around & ate leftovers for dinner.

DAY 5 – TOTAL: $484.57

• Woke up, loafed around a bit.
• Caught the bus to meet a friend for brunch! Read a bit on the bus. $2.25
• Brunch w/my girl! Good to catch up. Ate some pancakes that were pretty good but made my stomach hurt. Got a giant cookie to take home to husband. $29.60
• Went to Anthropologie. Bought 5 things, all on clearance: 3 sweaters, one top, one blazejacket thing. $185, which is pretty great for Anthro.
• Then got ice cream!!! Bought my friend’s cone too. $17.60.
• Took the bus home. $2.25.
• A bit later, husband & I Ubered to a little cocktail bar. $12.99. It was really nice! We each had 2 cocktails. $76.76
• Then we went for dinner! Originally wanted wings but the place was crazy with very drunk March Madness goers. So went to a bistro-y place down the street. Had a couple beers each & ate some really excellent short rib pappardelle & husband had a delicious meatball sub. $138.12
• Ubered home! $20

DAY 6 – TOTAL: $38.49

• Slept in!! Realized we didn’t have any food so ran to Chipotle for a nice big brunch. $38.49
• Otherwise, had a very chill day. Long bath & reading w/face & hair masks. Tidying & laundry.
• Took off my gel nail polish & prepped for next mani. I do my own gel nails.
• Husband made meal prep (rice bowls) for dinner, so ate that & started The Last of Us & went to bed early.

DAY 7 – TOTAL: $143.67

• Up around 6:30 for the normal morning routine – phone, bath/reading, get ready.
• Had to call a bunch more pharmacies to sniff out Adderall – had very little luck.
• Ordered flowers to be delivered for my mother’s birthday: $76.78
• Had a chill WFH day. Did some planning & reporting, had a few afternoon calls.
• Husband went to the grocery on his way home. Got a few staples: salsa, bagels, yogurt, etc. $66.89
• Wrapped up around 5:30pm. Laid around & stretched, then went to Orangetheory at 7pm.
• Had a great workout! Came home, cleaned up, wolfed some meal prepped food, then went to bed around 10pm.

TOTAL FOR WEEK: $1,204.68
This was an above average spending week. Brunch & shopping is not a weekly occurrence, nor are those medical bills. We typically eat/cook/meal prep at home a bit more too. But there ya have it – hope you enjoyed!