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'Ashamed', 'exhausted' and 'resentful'. These are all words used by millennial women who earn more money than their male partners.

According to a new report, more women than ever are taking on the role of breadwinner in their relationships, but instead of it being an exciting time, it's turning out to be quite the opposite.

A new report by Refinery29 found that a woman making more money can be seen as a disadvantage.

In 2015, 38 per cent of wives made more money than their husbands in the US, and with that number continuing to grow, it's leading to problems in relationships.

couple, friendship, hands

And to further problems in a relationship, the study also found that these women are still expected to do the majority of household work and childcare.

The author of the study wrote about her own experience, saying that people think it's strange that she earns more moola than her boyfriend.

But, in this day and age why is it so strange for a woman to be on top of her game when it comes to work? It should be celebrated.

Instead, Ashley received comments like, "I just feel like it's a man's job to take care of his woman," and "Do you ever think you might be selling yourself short?"

100 Euro

While being the breadwinner comes with immense responsibility, the women surveyed in the study all said the same thing: They'd rather be breadwinners than live with a partner who was unhappy at their job.

As you read through the findings however, a similar conclusion derives from the narrative; women will stick to their higher-earning job, once they are happy in that job.

Since they love the work they're doing, it's not as much about money as it is about fulfilment.

2 Person Holding Hands Besides Blue Painted Wall

So, while it may be difficult for some men to come to terms with their partners earning more, and some women may feel resentful for doing the majority of the work, it boils down to the inner workings of your relationship.

Once you and your partner talk openly and honestly about your aspirations, you'll find out what works best for you.

And for anyone who thinks it's a "man's job to take care of his woman," welcome to the 21st century. Millennial women are killing it in the business world and that's not about to change.

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Women in the workplace have come on leaps and bounds in the past few decades, and although there are still some glaring equality issues like the gender pay gap, there are plenty of women who are now earning more than their romantic partners.

However, it seems that the role of breadwinner is somewhat conflicting to some women.

According to a new report by Refinery29, some women report feeling 'ashamed' of out-earning their partners.

Refinery did some research, and discovered that the feelings of millennial high-earners are quite negative.

When women were asked how they would feel if they knew that they would be the eternal breadwinner in the relationship, the terms 'tired,' 'exhausted' and 'resentful' were commonplace.

Plus, the research found that because women are expected to pick up more of the household chores when they return home from work thanks to stereotypical gender roles, things like the added stresses of housework and childcare led to even more issues.

'It initially made me feel ashamed, like I was settling or it meant that I wasn't attractive enough, good enough,' one woman told Refinery29.

'There was a lot of internalised misogyny about how attractive or sexy women should be with 'successful' men.'

There was also the underlying conflict that perhaps some partners may feel emasculated by their high-earning partners, which in this day and age really shouldn't be an issue.

No matter who brings home the dough, no one should be made to feel any more or less of a contributor to the relationship no matter how much they earn. 

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here!

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So, I’m entering week two of my self-inflicted month of financial flagellation, and to be honest, I’m no longer about this broke life.

Two unique events occurred in the last seven days which have delivered me to this conclusion, but first, a little background.

I am embarking on the 30 Day No Spending Challenge (you can see how I prepared for it here), and now that I’m fully in the throes of un-profitable passion it’s not exactly going to plan.

For those who don’t know, the 30 Day No Spending Challenge focuses on benefiting your bank balance through a tight budget for four weeks.  I have a student loan to pay for and rent and bills to manage, so splurging on the finer things should be a rare treat rather than the norm.

However, in any case, that happens, and there is an absolute emergency. I that case, I am likely to take the help of a small loan for personal needs with affordable rates. So, I can stay focus on my plan and repay them.

I have zero savings and no fall-back plan, and I have the attitude that when I earn more, I’ll save more, which is probably the same as most of my fellow 23-year-olds.

Most adventurers into this monetary management challenge stick to a budget of about €50.00 a week, to spend on groceries, transport and socialising.

The challenge omits things like rent and utilities, as it is all about making the most of your disposable income rather than getting you evicted.

Image result for help me I'm poor gif

So, the first of the two big events was the grocery shop.

As my transport to work costs me about €30.00 per week, I am left with a paltry €20.00 to survive in this cruel, capitalist society.

This twenty quid has to cover all of my food shopping and socialising, but as I’d rather stick my head in a bag of Doritos and watch Netflix than hit the town this week, I made groceries my big investment.

Luckily, I already have a few bits and bobs in the pantry such as pasta and rice, but I needed to acquire the fresher ingredients for my meals.

Being a vegetarian, my grocery shop is already a fair bit cheaper than that of a carnivore, and for approximately €12.57 I managed to get all my veggie burgers, Koka noodles, sauces, cereal and a very ugly sweet potato. But hey, it’s not all about looks.

However, it was pretty difficult not being able to give in to my random cravings for honey roasted peanuts or Corner yoghurts. At one point I had a very dramatic “it’s not you, it’s me” moment at the bakery counter with a pain au chocolate that was calling my name.

But, armed with my list and utilising the built-in calculator on my phone, I managed to resist (after whispering that I would come back for it next month).

A post shared by Brînduşa Bîrsan (@brindusab) on

The pain au chocolat moment was tough, but I wasn’t prepared for what was yet to come.

During the week, ASOS decided the time was right to have a sale without consulting me first, which was a blow to say the least.

The fact that I actually probably could afford a few of the sale bits while remaining in-budget, but worrying about potentially having to sacrifice something later in the week was complete torture, and much worse than simply not being able to afford it at all.

A post shared by ASOS (@asos) on

I mean, I can’t afford a Birkin any day of the week and that doesn’t bother me, but if I could then it might be a different story.

I’m keeping my fingers crossed that the divine black jumper I spotted will still be both available and on sale come the end of the month, but I won’t hold onto hope.

Until next week, me and my remaining €7.43 will be continuing to coast by on my pocket of loose change.

On learning things from this challenge, it’s definitely making me appreciate the actual value of the money I earn.

I’m sure there are plenty of people who can’t even entertain the idea of a pack of pastries or a quick online shop, so learning to live a lot more frugally is definitely making me entirely grateful for the things that I have.

Despite the fact that we all complain about the rent in Dublin, the cost of wifi, and get a shock when we see our bottomless brunch bill, there are plenty of people in this country who are far, far worse off, with much bigger money issues than not getting that ASOS jumper.

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The future can seem a long way off, so saving your hard earned cash for this mysterious far-off time can seem pretty pointless.

Millennials have a notorious reputation for throwing their wages down the (Starbucks cup-littered) drain, but it’s never to early too start thinking about your impending financial forays.

Personally, my bank statement reflects a life of Lidl grocery shopping, pricey gin & tonics, ASOS orders and Netflix subscriptions, and a rather intimate relationship with Just Eat, which is probably reflective of the statements of quite a few young women in this country.

Money makes the world go round, and in a career landscape of year-long unpaid internships and zero-hour contracts, I think I should probably be a bit more mindful when it comes to my spending.

I have a student loan to pay for and rent and bills to manage, so splurging on the finer things should be a rare treat rather than the norm.  However, in any case, that happens, and there is an absolute emergency. I that case, I am likely to take the help of a small loan for personal needs with affordable rates. So, I can stay focus on my plan and repay them.

I have zero savings and no fall-back plan, and I have the attitude that when I earn more, I’ll save more, which is probably the same as most of my fellow 23-year-olds.

Reassessing the value of what I earn has been on my mind lately, and that’s where the 30 Day No Spending Challenge comes in.

The 30 Day No Spending Challenge focuses on benefiting your bank balance through by sticking to a tight budget for four weeks.

Most adventurers into this monetary management challenge stick to a budget of about €50.00 a week, to spend on groceries, transport and socialising.

The challenge omits things like rent and utilities, as it is all about making the most of your disposable income.

Things to cut out include eating out at restaurants, buying coffee, clothing shopping, and entertainment that isn’t free.

After living oh-so frugally as a student for three years, I figured I’d be up for the challenge.

And so, April has become my tragically titled No Spend Month, and I’m taking the steps to keep it that way.

It costs me €30.00 per week to get to work on my Leap Card, so that leaves me with a lean twenty quid to get by for the next seven days.

Luckily, there are more than a few bloggers who have doled out their best tips on how to manage on the fiscal fast, and one involves giving up the take-out apps.

As someone who rarely has the time (or culinary prowess) to cook a meal from scratch, the thought of deleting my precious take away apps had me in cold sweats.

I was also rather concerned that my local Deliveroo man might become genuinely worried for my wellbeing and come to investigate whether or not I was still alive and well.

But I knew that if I was going to stick to the masochistic monetary constraints, they had to go.

The next step was meal prep, planning exactly what I was going to eat for the next week and adjusting my shopping list accordingly.

While the struggle is not yet real, I’m sure the self-inflicted trial and tribulation I’m about to put myself through will be well worth it, financially speaking.

The thought of possibly getting up to six months ahead in my student loans or splurging on something I’ve wanted for a long time is keeping me on the straight and narrow so far, but hey, it’s only week one.

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Back in 2015, everyone was super surprised that Dermot O'Leary got axed from his presenting gig on The X Factor.

But, it turns out it could have been the best thing for him now that his total net worth has sky-rocketed.

Yep, good 'ol Dermo is worth a staggering £12m (€14m), and well, fair play to him!

Dermot makes his moola mostly from The X Factor, but also pulls it in from other TV deals, like hosting the National Television Awards and the BRITs.

The Irishman also makes a bit of cash from his Saturday morning BBC2 radio show.

Well for some!

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Most internet trends involve ice buckets or no makeup selfies, but there is one fiscal challenge that has been doing the rounds over the past year or so that looks particularly interesting.

Rather than angling for likes on Facebook, the 30 Day No Spending Challenge focuses on benefiting your bank balance through sticking to a tight budget for four weeks. 

Plenty of bloggers and Youtubers have been taking up the challenge, and while they seem to find it difficult, they are reaping the monetary benefits. 

Consider for a moment how much money you'd save if you just gave up your daily Starbucks coffee for a month?

Well, the same idea applies to just about every little luxury you can think of. 

Most wannabe savers decide to spend just €50.00 a week for the month on everything, including travel and groceries.

Things like rent and utilities are omitted from the budget because they are necessities, and the spending challenge is all about saving up that disposable income. 

Things to cut out include eating out at restaurants, buying coffee, clothing shopping, and entertainment that isn't free. 

People who have managed to be super strict and follow the €50.00 budget per week have managed to get months ahead on loans, save up for dream holidays or that designer item they have been lusting over for months. 

If you always find yourself in the red at the end of the month, this challenge could be a good way to shock yourself into getting your finances in order. 

While €50.00 may not seem like a lot to spend on transport, food and toiletries, a little can go a long way. 

Simple things like bringing your lunch to work every day and batch cooking your dinners can help with the food spending freeze, and cycling or walking rather than getting taxis is a manageable way to make changes during the challenge. 

Deleting food delivery apps can also help eliminate any temptation from coming your way when you get those last minute takeaway cravings. 

You can also distract yourself by undertaking free activities like going to open air plays, spring cleaning, attending open mic nights, watching Netflix and taking up an exercise class via YouTube. 

With some bloggers saving up to €1000.00 after a month on the fiscal freeze, it's well worth a try. 

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here!

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We'd all like to have a little extra cash money on our hands, and one girl has discovered how to make Tinder a profitable endeavour in both the romantic and financial sense.

Maggie, from the USA, has come up with a crafty way to make some money from her matches, and it's pretty simple really. 

The college student simply changed her Tinder bio and the money came rolling in. 

Her bio requests that her matched send her five dollars, or around €4.60.

When the match asks her what the five bucks will get them, she gives a pretty elusive answer.

Maggie says "send it and find out" and provides them with her email associated with her PayPal account.

Pic: Twitter/ Maggiearch3r

The bio started as a joke, but Maggie quickly realised that it was a pretty nifty way to make some quick cash. 

"It's really a foolproof plan, because I'm not actually promising anything, I just say 'see what happens,'" she told BuzzFeed.

"A surprising amount of men take the bait," she said, which is evident when you look at the screenshot of her PayPal account that she posted to Twitter. 

 Pic: Twitter/ Maggiearch3r

So what does happen when a match send the five dollars? Well, Maggie promptly un-matches with them.

"Some men get creepy and assume if they offer a lot more, like hundreds, something will actually happen, which of course it doesn't," she said.

"I figured it was too funny not to share. Also, I wanted to give more women this idea to share the wealth."

Other women have actually tried out the ploy for themselves, some to great effect.

However, Tinder bros are catching on, as another women in the comments of Maggie's tweet gave it a go and got reported, leading to her Tinder account being deleted. 

Technically she's not doing anything wrong as she never promises the matches anything, but we're not sure the lads would feel the same way. 

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here!

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Whether you are living paycheck to pay cheque, or you just like a little bit extra in your life, having a side project to make a birra money from is a great thing to do.

Great, but it can be difficult.

You won't be able to just pick up a hobby and instantly make cash from it. You'll will need to work out time management, demands, connections, and have a whole lotta ambition.

Working in a group

That said, it's not unattainable. If you feel like a little bit of side hustle could help you make rent each month, or buy you a few Topshop goodies, here are tips on how to make money out of a hobby:

1. DIY

Right, so you've just finished your degree and can't seem to find a job that fits in perfectly with what you want to do in your life.

This can be a tricky time because you have options, but you just don't know what one to choose. 

Samantha Matt told The Financial Diet that this is how she began making her side hobby into work, which now brings in 50 per cent of her total income.

She wanted to be a TV writer, but couldn't find a job in that field. So, she found a position that was related to her degree, and then blogged on the side.

Blogs can be a bit saturated right now, but if you have an idea that is totally outside of the box, go with it and see if you can monetise it in the future.

However, if tech is not your thing and your hobby is more on the creative side, there are still endless possibilities. 

For example, Kelly Ging of Kelly Lou Cakes began baking cakes at home and sold them out of her parent's hardware store in Co. Laois. She grew her business into selling a few on the side, to 100 a week and now hundreds upon hundreds every month.

So, plan how your hobby can make you some extra cash, see if there is a demand for it, work on it in your spare time, and then reap in the rewards.

adult, book, business

 

2. Time management

This will come in handy in every aspect of your life.

If you're serious about making some money out of a side project, unfortunately it can't just be a bit of work here and there. You need a routine and you need to stick to it.

If that means taking two hours out each evening to concentrate on it, then so be it. Nobody said it was going to be easy.

However, if you have your time management down to a T, and stick to it, everything will be easier.

You won't burn yourself out and you will still have time to see your friends and family. 

It's so important to stick to your set times, because if you put aside two hours for side hustle, but end up doing four, you'll no doubt end up grumpy and frustrated at the end of the night.

Discipline yourself, but be strict when it comes to your time off, too. As Jax Jones says, "Time is money so don't f*ck with mine."

Don't f*ck with your time, ladies.

Silver Apple Watch White Sports Band Near Rose Gold Iphone 6 on White Wooden Table

 

3. Make connections

Whether you work in finance and your side hustle is painting or you have a job in content creation and your side hustle is making jewellery, you can never have too many connections in BOTH fields.

Even if your chosen industries are world's apart, you are bound to have people that work in both or that can help you out in one or the other.

Meet as many people as you can that could help your business – make connections through emails, Facebook, Twitter, Instagram and LinkedIn.

Between writers, bloggers, accountants, PRs, and marketing professionals, everyone is important.

But, you'll need to be brave. Go to events, introduce yourself, make your name (and side hustle) known and be polite to everyone.

Roisin Hogan went from being an accountant to creating her own healthy food business, Hiro by Roisin. She knew what connections meant in the industry when she started out and she took every opinion on board.

It just shows that your chosen side hustle doesn't have to be in line to what your job is now. And by making these connections in every field, you'll get your new venture out there.

The more people talk about it, the more they'll know about it and the more they'll want it.

Woman in Gray Shirt Seating in Between Woman in Blue Black and White Plaid Long Sleeve Shirt and Man in Blue White and Black Plaid Long Sleeve Shirt Having Conversation

 

4. It's not everything

Your work is not your life, and your side hustle is not your life, either. If you feel like your burning yourself out, take a step back and relax.

You also need to remember that if your side hustle doesn't work out, it's not the end of the world. 

Even if you really want that little bit of wiggle room at the end of each month, working non-stop is not healthy, and you could end up hating your hobby.

Ambition leads to big things and you deserve to do what makes you happy, but remember that you do have options.

If you feel like you're stuck in a rut, or in a financial black hole, there are ways out. Talk to family, friends, your connections (they're really important) and see what you can do.

Your money-making hobby is supposed to be fun and it's supposed to take a bit of pressure off you – so don't let it do the opposite.

beach, bonfire, community

 

But as with anything in life, explore your options, find your strengths, and take time to work out what makes you happy.

As sappy as it sounds, you'll never know what a side hobby could lead to, or what you could learn about yourself from it.

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here! 

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It's fair to say that we all spend a fair amount of time and money in Zara.

It's one of our favourite clothing stores and always seems to hit the nail on the head when it comes to trends.

Related image

However, now that we know what the CEO of the company makes on a monthly basis, we may start to keep a bit of the moola for ourselves.

Amancio Ortega, who owns other brands as well, such as Pull & Bear, Bershka and Massimo Dutti, has been placed fourth on the Forbes 2017 list of Billionaires.

Ready for your jaw to drop? Amancio is worth $74.1billion (€68.7b).

Image result for money gif

According to Forbes, he "typically earns more than $400m (€370.8m) in dividends a year."

If you break it all down, he takes home $1,095,890 (€1,015,982) a day or $761 (€705) a minute.

Yep. Mind. Blown.

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here!

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It's one of the hardest things to approach when you're working, and can be quite scary to do if you crumble at the thought of rejection – but sometimes, salary negotiations are absolutely essential.

Looking at various articles, discussion pages, and just general advice from colleagues, there are two major mistakes that people make when trying to ask for a raise.

Either, you'll wait and wait for your management to acknowledge your work (and they won't) or, you go into a discussion, totally unprepared and demand X amount of money, and come out with a less than great result.

To avoid these pitfalls, here are three steps to help you along the way before you go anywhere near a meeting room:

1. KNOW what you bring to the table

If you don't already, keep tabs on your wins and your responsibilities. Whether you keep note on Google Drive or in your ratty TY notebook, make sure you write down and record every major project, task and meeting you do well in.

Then, every few months, go back and see how much you have achieved. This way, you will know what you spend your time on, as well as being prepared for the 'what do you bring to the table?' question.

3 Women in Suit Sitting

 

2. KNOW your market rate

There's no point going in and asking for 40 grand, if everyone else in your field is only earning 30. 

Research how much your worth, by using Internet tools such as MyWage, or simply, by asking people in and around your industry.

However, don't forget that these will be ballpark numbers. So, consider as much information as you can, and be honest with yourself.

How long are you working there? How much do you put into the company (in the grand scheme of things)? How large is the company? Where are you based? These questions all need to be asked and considered.

business, computer, device

 

3. Plan, plan, plan

The worst thing you can do is go into a meeting with absolutely no information. Plan your proposal and what you're going to say. Plan an intro and an ending (for both good and bad outcomes).

Make sure you include your data sources and research, and have it all laid out on paper, so everything is clear to both you and your employer.

And be careful not to exaggerate or embellish. If you reach too far, your employer will know this and it could be what tarnishes your whole proposal.

businesswoman, company, computer

 

It's going to be a daunting conversation, but if you feel you need to go for it, then GO for it.

If you don't get the answer you were hoping for, ask for a review in three or six months time. And, remember to always follow your conversation up with an email.

Whether your salary increases or not, keep tabs on your work going forward and your progress, so you'll be prepared for salary negotiations the next time they come around.

Good luck!

 

Oh, and while we have you; don't forget to have your say in the inaugural SHEmazing Awards this May! It's time to vote, and you can do it right here!

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Finance for 20-something women usually means not checking your bank account because you're too afraid to see the figure staring back at you.

We all know it's bad and that we should really keep on top of our money – but it's hard.

Your 20s are supposed to be a time of freedom, and sometimes that freedom means buying the latest Topshop vinyl trousers and having brunch every Sunday morning.

But, there are times when we need to save and budget our money. So, whether it's saving for a holiday, renting your first home, or working out what the hell an overdraft is, we're going to be here to help you along the way.

Gold 20 Round Coins

We're kicking off our new finance series with basics steps on how to save and budget your money each month:

1. You need to actually have a budget

This may all seem pretty simplistic, but it's where most 20-somethings go wrong. Know how much you make (whether it's weekly or monthly), figure out what you spend your money on and then find out how much is left over.

Stick to your budget each and every month without fail.

When you're aware of your spending habits, you'll be more able to control your money so you won't be wondering where that €300 went at the end of the month.

There are loads of online tools to help you, too. Check this out if you're planning your first budget.

Black Calculator Near Ballpoint Pen on White Printed Paper

 

2. Understand that saving money early is important

You need to save for your future. Whether you want to travel, buy a house, move country, or build a business – you need to save for it.

Most people in their 20s think that the future is so far away, but that means you have the advantage of time.

After you budget, learn how to enjoy life at a lower cost and appreciate that you'll be prepared for anything you want to take on in the future.

Visit Bonkers.ie to check out which bank will best suit you and what you want in terms of saving money. It's really easy to navigate and breaks everything down for you, too!

Coins and Bill Beside Coin Case

 

3. Prioritise

This is probably the hardest thing to do in terms of budgeting and saving money.

Because we ALL know that after a busy week at work all you want to do is reward yourself with a Penneys' shopping spree.

But have you paid your bills yet? Have you put some moola into your savings account? Did you do a food shop and will you have enough petrol to last until next week? These things ALL need to come before treating yo'self.

And as you hold off on buying things, you'll actually realise that you didn't need them to begin with. 

bank notes, budget, business

 

4. Don't let payday pass by

Yep, your money just went into your account and now we're telling you to take it all back out again. We didn't say it would be easy.

But, if your rent is due in the middle/end of the month, it's easier to set up a standing order or direct debit to transfer money on the day you get paid. That way, you won't be tempted to dip into it during the month. 

"The easiest way to save is to get used to not having it in the first place," says Petrina Grady, a savings and investment specialist.

bank note, banknote, banknotes

 

5. Stop wasting everything

Even if you might think you're good with the whole waste and recycling thing – save everything and waste nothing.

Get the most out of what you buy each month, whether it's lunch you can eat the next day or using less toothpaste, every little counts.

And if you have a pile of old clothes or homeware bits and pieces lying around the house, sell them on Ebay or Depop. Not everything has to be binned.

bank, blur, business

 

These five tips are the basics of saving and budgeting. In this series we will delve deeper into finance for 20-somethings, but for now, sticking to these steps is a good way to start off.

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