Money Diary: A Pharmaceutical Scientist In Southampton On 38k
Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking a cross-section of women how they spend their hard-earned money during a seven-day period – and we're tracking every last penny.
This week: "I am a 24-year-old medical regulatory scientist and recently bought my first house in Southampton with my partner.
My family moved abroad a lot when I was growing up. We moved to the US and were surrounded by this huge wealth in the LA area. It was then that I really started having conversations with my parents about money, the value of it, what we could afford, etc. I really enjoyed being involved in the finances.
When I was studying for my bachelor's degree, I didn't qualify for any maintenance loans (negatives of moving around a lot!) so I worked all three years of my degree to fund my living and daily costs. This was incredibly hard and I have so much respect for people who manage numerous jobs and balance studying. I think my frugal years as a student have resulted in a permanent money-saving mentality. I love apps like Olio and Too Good To Go; I also love sewing and crafting and try to save money like this wherever possible – I have made all my Christmas presents this year! I do find it hard to treat myself (especially since buying a house) and sometimes have to remind myself to let my hair down and that spending money is not something to feel guilty about.
Please note that Southampton was in tier 2 during the writing of this diary, moving to full lockdown on Boxing Day. Both my brother, D, and my friend, A, who have been struggling with their mental health, are going to be staying with us for the foreseeable future."
Industry: Pharmaceuticals Age: 24 Location: Southampton Salary: £38,880 Paycheque amount: £2,221 Number of housemates: Two: my fiancé (G) and my doggo (J).
Housing costs: Mortgage £1,400 (including a £500 overpayment). Loan payments: £80 All other monthly expenses: My half of our bills: electric and gas approx £25, Wi-Fi £12.50, still awaiting our first water bill! Gym membership £40, Netflix – my parents upgraded their account so my siblings and I are all on the same account, Amazon Prime £3.50, phone bill £3.50 SIM only (G), phone bill £6 SIM only, SimplyCook £4, The Times £3, The Guardian £6, Audible (2x) £7. We don't have a set amount we save at the moment. Having just bought the house, our savings each month are being invested in doing it up. Savings? We've just bought our first house and have been in the process of doing renovations over the COVID-19 period. All our purchases and bills are equally spent from our joint account. We have £15,000 in a joint account from which we do our daily spending and all our credit cards are paid. We bulk this up equally every month from our current and saving accounts. We have £30,000 in easy access savings for any emergencies or unexpected circumstances alongside some separate savings and investment accounts, with £50,000 invested (mainly in stocks and shares). Being a woman, I am always reminded of the importance of having separate saving accounts and maintaining financial independence.
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A vial of the Johnson & Johnson Janssen Covid-19 vaccine at Northwell Health South Shore University Hospital in Bay Shore, New York, U.S., on Wednesday, March 3, 2021. President Biden said that Merck & Co. will help make Johnson & Johnson’s single-shot coronavirus vaccine, a collaboration between rivals aimed at ramping up the pace of inoculations that will help provide enough supply for every adult in the U.S. by the end of May. Photographer: Johnny Milano/Bloomberg via Getty Images Nationwide, people are grappling with the weight of life during the coronavirus pandemic as they reflect on an entire year living under some kind of lockdown. For many, the pandemic has meant working from home, less physical contact with family and friends, and a complete change in how they interact with everyday life in an effort to keep themselves and their loved ones safer from the deadly virus. But there is some hope for relief, now that a third vaccine has been approved by the Food and Drug Administration (FDA) for emergency use in the US. Johnson & Johnson has also applied for approval in the UK. Johnson & Johnson’s single-dose COVID-19 vaccine is now being administered across the United States for people ages 18 and older. Despite the fact that there are now even more vaccines being made available to millions of people across the country, some are skeptical that the J&J vaccine is less effective than the Moderna and Pfizer two-dose vaccines, due to lower efficacy numbers. Media reports on the new vaccine have focused their attention on its efficacy rate: 72% for Johnson & Johnson, compared to 94% for Moderna and 95% for Pfizer. But the lower rate shouldn’t discourage anyone from getting the single-dose vaccine, which is equally as effective as the other two at preventing serious illness, according to The New York Times. The J&J vaccine’s lower effectiveness number refers only to its ability to prevent all infections as a result of contracting the SARS-Cov-2 virus. While it may not be as good at preventing mild COVID cases, Johnson & Johnson’s single dose is just as successful as the other two at preventing the most serious cases of this virus, and that’s most important. For more context, the Johnson & Johnson vaccine is also more effective than the flu jab. According to the Centers for Disease Control and Prevention (CDC), “flu vaccination reduces the risk of flu illness by between 40% and 60% among the overall population during seasons when most circulating flu viruses are well-matched to the flu vaccine.” Dr Robert Wachter, chair of the department of medicine at the University of California, San Francisco told The New York Times that with any of the three vaccines, “There’s essentially no chance you will die of COVID, which is breathtaking.” This is notable, considering the virus has killed more than half a million people in the US over the last year. The goal of any of the three vaccines is not to completely root out COVID-19, which is likely here to stay. Instead, the hope is to turn the virus into something like a mild flu or the common cold while we seek to achieve herd immunity and in that regard, things are looking up. “When you think of what do you want from a vaccine, you don’t want to go to the hospital, and you certainly don’t want to die,” Johnson & Johnson CEO and Chairman Alex Gorsky told CNBC’s Squawk Box. “And what we have seen as far as 100% efficacy in those parameters, again with a single shot.” Experts say they would recommend any of the three vaccines and suggest that people get whichever one is first made available to them. That is our best possible tool when it comes to moving past the pandemic. Lisa Lee, an infectious disease epidemiologist and public health ethicist at Virginia Tech, said last month that a third vaccine option “substantially reduces the time it takes the US to reach herd immunity.” Lee also noted that as more of the population becomes vaccinated, there is less opportunity for further mutations of the virus to develop. “When we stop transmitting between people, we also stop the opportunity for mutation,” she told CNBC. After a long year in relative isolation, as people sit with the grief of losing their old ways of living and their loved ones and the uncertainty of what comes next, it’s only natural that they might question the efficacy of a new vaccine. We’ve been dealt so many blows in the last year, after all. But rest assured that if your time comes for the vaccine and the Johnson & Johnson single-dose job is made available to you, it’s just one more layer of protection for all of us. Like what you see? How about some more R29 goodness, right here?People Are Dressing Up To Get The VaccineWhy Are Women Having To Justify Their Vaccine?I Helped Create The Johnson & Johnson Vaccine
Xlife Sciences AG and Solothurn-based anfass Life Technologies AG have entered a joint venture. Hence, the jointly founded Quadira Biosciences AG has access to the 3D CoSeedis(TM) technology platform of abc biopply ag. This unique 3D cell technology enables the replication of human tissue for reliable testing and characterization of antibodies without animal testing. Xlife's technology platform for the development of antibodies will be used even more efficiently.
SBS suspends broadcasts from Chinese state-run channels over 'forced confessions'. Human rights organisation says CGTN and CCTV channels regularly featured footage of prisoners making confessions under duress
Holiday hopes have been raised for Britons after Cyrpus said it will open its borders to people in the UK who have received a Covid-19 vaccine from the beginning of May. Royal College of Nursing general secretary Dame Donna Kinnair accused the Government of being “dangerously” out of touch. Meanwhile, scientists are tracking the emergence of a new coronavirus variant in the UK.
London Stock Exchange Group posted steady full year results for 2020 on Friday, announcing a 7% dividend increase as integration of its $27 billion acquisition of data and analytics company Refinitiv stepped up a gear. The exchange said that its FTSE Russell stock indexes business in Britain and most of its other information services will be slotted into a newly formed data and analytics division, as data eclipses the group's trading operations. "While early days, the work we have done so far confirms the quality of the business and the extent of the opportunities across the group as we focus on integration and delivering the strategic and financial benefits of the transaction," LSE chief executive David Schwimmer said in a statement.
Health minister Nadine Dorries opened the door to a possible U-turn on NHS pay after a furious backlash over a proposed hike of just one per cent for doctors and nurses who have led the battle against Covid-19. Former nurse Ms Dorries insisted that the offer for health workers was what the Government could afford but then suggested it could “move” on it. “That will be discussed, then we will wait for feedback from unions and other health sector stakeholders, and see where we move to on this but the one per cent is what the Government can afford.”
An ambulance has just delivered the latest resident of an elderly care home in the Spanish capital. A well-practiced choreography immediately goes into motion, sending an adrenaline rush through the emergency ward in this suburban Madrid hospital. One year ago, staff had to deal with the exasperation of fighting an unknown enemy, the fear of bringing the virus back home, the scarcity of protective gear and the bodies lined up in the morgue.
Britain's Financial Conduct Authority on Friday called a formal end to nearly all Libor rates on December 31 as anticipated, piling pressure on markets to complete their biggest change in decades. The London Interbank Offered Rate or Libor is being replaced by rates compiled by central banks after lenders were fined billions of dollars for trying to rig what was once dubbed the world's most important number, used for pricing home loans and credit cards across the world. "This is an important step towards the end of Libor, and the Bank of England and FCA urge market participants to continue to take the necessary action to ensure they are ready," the FCA said in a statement.
The spinach stems were too long; that’s what I got for shopping at the bougiest supermarket in Astoria, New York. But, I would make them work regardless. I dumped the greens — freakishly long stems and all — into a nearby bowl. I grabbed a pair of kitchen scissors, ready to chop them down to size. As my hands began to move on autopilot, trimming and discarding the stems, I found myself smirking, then smiled, chuckling aloud. My housemate, Alex, looked up at me. “I feel like my grandma,” I said, proudly. Alex let out a loud, “Awww.” I smiled even more widely. When I was growing up, my maternal grandmother, Lois Ann, could usually be found in one of two places in her Queens Village home: at the kitchen sink or at the dining room table, peeling potatoes, washing tilapia, or snapping string beans. It’s a ritual that’s continued even as she’s entered her ninth decade. Just last month, during a casual Sunday visit, my grandma asked me to snap that night’s string beans with her. Grandma prefers to take charge in the kitchen, so an invitation to join in on meal prep always feels like receiving a golden ticket. She endearingly shook her head at the way I snapped my beans — clumsy and crooked — before finally saying: “Watch me.” I did, just as I always had, in awe of her speed and skill. My grandmother grew up on a farm in North Carolina, in the years after WWII. Her mother died when she was six, so she was raised by her grandma, Ella Louise. Grandma grew sweet potatoes in the backyard with her younger sister and caught and killed chickens for Sunday dinner. She eyed Ella Louise as the older woman cooked, watching her grandmother’s skilled hands. When my grandmother turned 10, it was finally her turn. Soon enough, she was perfecting mouth-watering dishes like collard greens seasoned with bell peppers, onions, and bacon fat; coconut and pecan pies; and macaroni and cheese made with margarine. When Grandma left the South for New York and married my grandfather in 1960, she carried the recipes of her youth into this next chapter of her life with him in the Bronx. Grandpa, born and bred in South Carolina, quickly learned to love the North’s preference for rice over white potatoes. The next two generations of her family held up my grandma’s dishes as the definition of what good home cooking was supposed to be. Even the most mundane weekday could turn into an impromptu gathering at her dining table. Grandma would buy pounds of cod, tilapia, and flounder at the Sutphin Boulevard fish market in Jamaica, Queens, and set off a phone tree between my aunts, cousins, mom, sister, and me: “Grandma’s making fish, you coming over?” Every birthday meant a chocolate, vanilla, or strawberry cake — baked from scratch, of course — was waiting for the birthday girl — or Grandpa — at the head of the table. From the mid-2000s to the early-2010s, we observed “spaghetti day” every Wednesday — a tradition born out of our collective love of Grandma’s spaghetti dressed in meat sauce, which was always served with fried fish and a side of steamed carrots or broccoli. There was only one downside to growing up under a matriarch whose talent was throwing down in the kitchen: Grandma allowed no one to help her fry, boil, or steam anything. And I never learned on my own. Why go through the trouble of learning to cook or bake if I could just wait for my grandmother to place a plate in front of me? As a result, cooking instructions of any kind made my eyes glaze over. Advice about the ideal water-to-rice ratio or how to know when pasta is done went in one ear and out the other. The desire to prepare meals more involved than a tuna-and-cheese sandwich got further away from me as I got older. I was spoiled, but also intimidated, and clumsy around food. Grandma’s gusto in the kitchen had trickled down to my mom, aunts, sister, and cousins — all of whom taught themselves how to cook — but skipped teaching me. I moved upstate for college in 2010, then commuted to and from grad school four years later. The time away from Grandma’s dining table jump-started my survival instincts. I learned some basics, though I still mostly stalled out at microwaved curry over minute-rice and rigatoni alfredo. It wasn’t until I moved into my first apartment an hour away from my family in 2018 that I became responsible for cooking all my own meals. And my transition from boxed pasta to glazed carrots wasn’t seamless. When I wasn’t charring vegetables by accident, I was drying out salmon. Grandma would have cringed if she’d seen me. Progress was slow, but by the third preparation of each meal in my mental Rolodex, I’d gotten the portions of salt right and learned how hot was too hot. Mastering some more involved dishes also helped me realize that I was less proud of a perfectly prepared meal than I was of my burgeoning food prep skills. The times I most wanted to brag to my grandma were when I found myself expertly chopping tofu into cubes of eight, sautéeing spinach leaves in garlic, or seasoning a salmon fillet “just right” with jerk powder. The act of preparing each meal mirrored the familiar sight of my grandma sitting at the dining room table and snapping her string beans; it was when I felt closest to her. My visits to Grandma’s kitchen have slowed to a near halt; commuting across the borough admittedly gets time-consuming and expensive, and the pandemic has only made it harder. But I still recount my efforts and milestones to Grandma over the phone, and am gratified when I hear the surprise in her soft laughter as I tell her of my accomplishments. The times I am able to stop by are cause for a celebration these days, events honored by Grandma frying flounder, making spaghetti, and steaming broccoli, even if it’s just the two of us catching up at her kitchen table. Occasionally, one of us has brought up the spaghetti days of yesteryear, over a decade earlier. I’ve asked Grandma if she misses them, and she rested her chin in her hands. “Oh yes,” she said wistfully. “But it’s just not the same anymore.” Outside of holidays like Thanksgiving and Christmas, my grandma’s kitchen is the emptiest it’s ever been. The years have moved not only me, but also my aunts and my cousins further away. Age and illness have slowed my grandma down. But even so, Grandma recently told me she never stopped calling my cousins on Wednesdays to ask if anyone was coming over. The days of us gathering around her table while she refilled our plates with a smile stayed fresh in her mind. “Anything for the grandkids,” she still says. There are times when the distance between Grandma’s kitchen and my own feel especially wide. But during mealtimes, I always feel close to her. I’ll stand by the stove and watch as the ingredients I chopped, seasoned, and toasted come together to create my breakfast, lunch, dinner, or dessert. As I eat, I imagine sitting at my grandma’s table, rambling excitedly to her about some dessert I read about that I just have to bake next, while she cleanly snaps string beans and watches me go on, a smile forming. I’ll watch her work the whole time, and consider buying string beans at the supermarket the next day. Mine may be more snapped more crookedly than the ones Grandma prepares, but they’ll still taste nearly as good. Like what you see? How about some more R29 goodness, right here?5 Delicious Recipes From The Diaspora You Must TryCooking Shortcuts To Improve Your Lockdown MealsThe Tastiest Batch Cook Recipes To End Washing Up
A 1% pay rise for NHS workers is "the most" the government can afford due to the economic cost of the COVID crisis, a health minister has told Sky News. The government is facing a furious backlash after calling for healthcare staff in England to be restricted to a pay rise of 1%.