But conversations about financial wellnesswhich is crucial to well-beingare in large part still very hush-hush.

For many years, I had my own business as a marketing and branding consultant.

I helped business owners with things like building a website and social media concepts.

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But in January 2021, my job was eliminated because of the pandemic.

Now Im back to consulting on my own and am currently pacing to make $100,000 this year.

In addition to being a consultant, Im also an author who writes books about business and entrepreneurship.

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I make about $300 a month from book royalties.

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Now I rent a house for $1,700 a month.

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Fortunately, my car is paid off, so I dont have a monthly car payment.

Health insurance is another big recurring expense at $250 a month.

My cell phone bill is $300 a month, and it includes a Netflix subscription.

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Our Wi-fi bill is $70 a month.

I also have a subscription toAudible, which is $15 a month.

My subscription toAcorn, which is an investing app, which is $5 a month.

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Kid-related expenses:$400/month.I pay my kids an allowance every week so they have some spending money.

He also pays child support.

My kids arent really into sports; my daughter prefers to read and do art, for example.

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There are always things that come up.

But now that Imfully vaccinated, Im back to shopping at Safeway.

Occasionally, Ill order items in bulk from Amazon to save money.

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Now its more under control, about $400 a month.

Fitness:$0/month.Fitness is really important to me.

I love to go for walks.

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Ill walk five or six miles, which is a nice, long afternoon break from working.

I also have free weights at home I use.

Well, I dont really use them that much, to be honest.

I do stare at themthinkingabout using them, though!

Beauty:$160/month.Before the pandemic, I was really into beauty.

Now, its just not really a priority for me anymore.

I do get my hair done every six weeks, which is $80 each time.

My health insurance doesnt cover everything.

Every three months I have to get a physical and bloodwork done.

Since my immune system is compromised, I get sick easier.

For example, last year I got a cold sore and it caused my immune system to overreact.

I dropped hundreds of dollars for medical visits because of that.

Self-care:$800/year.My long walks are really meditative and I see that as a form of self care.

Hiking has also become part of my self-careWashington is a great place to live for this.

I spend about $400 a year on hiking gear,like hiking shoes, equipment, and clothing.

My other form of self care is watching Netflix.

I also like getting massages.

It just feels nice to have someone else take care of you, you know?

The massages are $100 each, and I go about four times a year.

*Last name withheld.

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