Occupation: Freelance Copywriter & Part-Time Sales Associate

Industry: Creative & Retail

Age: 30

Location: New York

My Salary: $15,000

Paycheck (2x/month): $500

Husband's Salary: $150,000

Husband's Paycheck (2x/month): $3,500 and he gets a yearly bonus based on company performance. Last year it was $5,000. My husband and I have a joint bank account. (The joys of being basically unemployed.)

Monthly Expenses

Housing Costs: $3,095

My Student Loans: $0. I don't earn enough to pay back my loans.

Husband's Student Loans: $960 back to the U.K.

Credit Card: $100

All Other Monthly Expenses

Utilities: $200

Apple Music: $14.99 (family plan)

401(k): $0, but my husband contributes $1,000 from his paycheck.

Insurance: $0. I'm covered by my husband's policy.

Phone: $300 for both phones and plans. The price is high, as we had no U.S. credit when we moved here and ended up with a terrible plan.

Netflix: $9.99

Hulu: $7.95

HBO: $0. I mooch from a friend.

Amazon Prime: $0. Mooch from a friend.

Cat Supplies: $50 for litter, food, and toys

Savings: ~$300. We try to put as much as possible into savings but it's difficult when my income varies so much.