Ever wondered how a marketing freelancer in rural Ireland manages to balance work, studies, and a tight budget? Here’s a peek into a life where every euro counts, and the occasional coffee is a luxury. Welcome to How I Spend My Money, a series on The Journal (https://www.thejournal.ie/money-diaries/news/) that dives into the real financial lives of people across Ireland. Are you a spender, a saver, or somewhere in between? We’re inviting readers to share their weekly earnings, savings, and expenses. If you’re up for it, drop us a line at money@thejournal.ie—we’d love to hear your story.
Each money diary is a personal snapshot, submitted by readers just like you. Remember, everyone’s situation is unique, so let’s keep the comments kind and constructive. Last time, we met an executive assistant (https://www.thejournal.ie/readme/money-diaries-spending-saving-78-6951343-Feb2026/) navigating life after a serious illness. This week, we’re with a 25-year-old marketing freelancer and student in Co Wicklow, earning between €20,000 and €26,000 annually.
But here’s where it gets controversial: How does one juggle a freelance career, studies, and a mortgage on such an income? And is it sustainable to rely on a partner for financial support during tough months? Let’s dive in.
Living in a village with her partner and her ailing father, our reader shares her weekly expenses, savings goals, and the occasional splurge. She’s saving for a car and a dream trip to Japan, all while managing a mortgage, pet care, and unpredictable freelance income. Her monthly net pay varies wildly, from €900 to €2,100, yet she saves half of her earnings and takes on odd jobs for extra cash.
And this is the part most people miss: The small expenses—like daily coffees and train tickets—add up faster than you’d think. Our reader reflects on how these costs become more noticeable during long days out, but she’s determined to cut back once her classes end in six weeks.
Let’s break down her week:
Monday
- Total spent: €3.00
A bank holiday means a relaxed day at home, with just a quick trip to the shop for milk. The rest of the day is spent working, painting, and enjoying a quiet evening with her partner.
Tuesday
- Total spent: €12.95
A busy day of commuting to college, working on assignments, and treating herself to a bowl she’s been eyeing since December. She uses a gift voucher to offset the cost, sticking to her rule of avoiding impulse buys.
Wednesday
- Total spent: €25.32
A day split between visiting her father in the hospital, attending classes, and working on client projects. She manages to fit in a coffee with her mom and a presentation for her course.
Thursday
- Total spent: €42.05
A chaotic day of travel delays due to flooding, culminating in a late-night takeaway dinner. Despite the challenges, she stays on top of her work and college commitments.
Friday
- Total spent: €20.00
A quieter day with online classes, dog walks, and household chores. She posts a few packages for work, her only significant expense.
Saturday
- Total spent: €110.00
A day of home repairs, car troubles, and catching up on work. A friend’s visit is postponed due to a dead car battery, adding to the day’s frustrations.
Sunday
- Total spent: €270.00
The week ends with a hefty car battery replacement, highlighting the unpredictability of freelance income and the importance of financial support from her partner.
Weekly subtotal: €483.32
What she learned:
- Small expenses add up quickly, especially during long days out.
- Food costs are a significant part of her budget, and she’s grateful for canned goods when grocery shopping isn’t an option.
- Freelance income is inconsistent, and she’s fortunate to have financial support during her studies.
Thought-provoking question: Is relying on a partner for financial stability during tough months a practical solution, or does it raise concerns about long-term independence? Share your thoughts in the comments—let’s spark a respectful debate!
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