I've not read past the first part of this story, but my first reaction was that these "regular expenses" are eating up a LOT of her salary... Regular expenses: Gym payment: $45/week Phone bill: $120/month Health supplements approx. $110/month I'll read the whole story now, but who needs a $120 per month phone bill? I guess that might include payment for a new phone each time she renews the contract? I keep my old phone and my monthly bill is $20. I could get unlimited calls and texts and 5 or 7 gig data for $25 but I don't need that much. Health supplements $110 a month??? I'm guessing the reader is expected to feel sorry or this person. I just feel frustrated. A full-time employee logged her spending for a week. Here's where all the money went. Edit: Have just flicked through to the comments and she is copping a pasting for wasting money on phone plans and mooching off her parents etc. Good.