Money Diaries is the Millennial woman's Bridget Jones.

Money Diaries is the Millennial woman's Bridget Jones.

I wonder what’s in her wallet?

That’s the gist “Money Diaries” at Refinery29, a New York-based website that publishes the daily personal financial decisions of Millennial women. Think Bridget Jones Diaries for the gal who cares more about stretching a dollar than a donut.

For those unfamiliar with the fictional Bridget Jones, she measured a day’s success based on the amount of calories, alcohol and cigarettes she consumed. She’d chronicle her intake painstakingly—and defensively—like this account marked January 1:

“129 lbs. (but post-Christmas), alcohol units 14 (but effectively covers 2 days as 4 hours of party was on New Year's Day), cigarettes 22, calories 5424.”

Money Diaries features a seven-day snapshot of mostly Millennial women as they work assorted budgets in mostly high-end cities. The site presently features a recent grad who struggles to live on a $50,000 ($2,430/month) in New York City. A sample entry:

“I stop in CVS to pick up toothbrushes, toothpaste, and my birth control. Unfortunately, my health insurance doesn't cover my particular birth control, so I have to pay out-of-pocket every month. It's getting expensive, so I make a mental note to call my gynecologist this week to talk about other options. (Hello, IUD!) $84.13.”

Launched in 2016, Money Diaries hosts more than 100 diaries of women with various income levels and lifestyles—salaried, interns, students, travelers, mothers and brides-to-be. Followers live vicariously through the protagonists’ money decisions (Starbucks or free work coffee?). Some readers even weigh in, posting to The Conversation. Like this one from “Peaceful Phone:”

“I admire your decisions to pay off your student loans so quickly! I'm too nervous to give up the money I saved while living at home. It's nice to have a cushion for those unexpected expenses, but these student loans are brutal.”

Money has long been a sensitive, even taboo topic. The popularity of Money Diaries suggests that today’s Millennial women are ready, if not eager, to talk candidly about personal finance. This spells opportunity for banks and credit unions to build trust and confidence with this desirable cohort.

Not sure where to begin? First, get better acquainted with the Millennial woman. Get to know her preferences, values and key purchasing motivators. This blog is a good place to start.

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