I'm a Bay Area local earning 6 figures who owns a home and plans to retire at 40 - here's how I spend my money in a typical week

August may be the best month to spend outside in the Bay Area. Karl the Fog typically goes on vacation, so the skies are clear, and the views are incredible.

My favorite activities include cycling around the Marin Headlands, hiking in the East Bay Regional Parks, or watching our dog gallop along the sandy beaches.

Unfortunately, nearly every activity comes with a high price tag in the San Francisco Bay Area. For those trying to reach financial freedom while living in an expensive city, you need to get creative to spend less and make more.

Since we are getting married at the end of the month, I have not been doing the best job at spending less.

I work in Downtown Oakland. The San Francisco culinary influence stretches across the SF Bay, and with it, the big-city prices. On average, if I eat lunch out during the weekday, I prepare for a $15 bill.

In an attempt to save money on weekly food costs, my fiancée, Rachael, and I try and bring our lunches to work during the week.

Today, I brought my lunch to work and ate both breakfast and dinner at home.

To optimize our evenings together, Rachael and I order our groceries online with Amazon Prime Now. This frees up time for some exercise after work before we start working on our side gigs.

We have our food for the week delivered on Mondays. Our total grocery bill added up to $134.58 today (of which I paid half, $66.29).

My largest expense today was $93.33 to a virtual assistant who helps manage my blog's social media presence.

Transportation costs in the Bay Area can be a concern. There are multiple tolls, and traffic is brutal. I made the decision to live close enough to bike to work in order to avoid high commuting costs.

Unfortunately, I had to drive to a satellite office today (60 miles round trip). Typically, we can go a whole month on a single tank of gas. Today, however, that tank was empty so we spent $40.37 on gas.

Recently, electric scooters have flooded the streets to help solve micro-commute problems in big cities. Did you know you can make extra cash by charging these shared vehicles? I started charging these scooters overnight to make additional cash.

My fiancée is a social butterfly. She is also an amazing athlete. After work, we ran to our Tuesday night run club ($10 beer, plus 2-mile run). Next, we ran to our wine club pick up party ($75 wine case, 3-mile run, and a $6.18 Lyft ride home).

I grew up a Dodgers fan in Los Angeles, but I am also a closet Oakland A's fan. Shh! So when they played each other in Oakland, I was quite conflicted.

On Wednesday, I decided to support the A's by sporting some green and yellow. I attended a friend's birthday party in a box suite at the stadium. Luckily, my buddy and his partner fronted the bill in exchange for donations to a cycling event that supports both the San Francisco Aids Foundation and the Los Angeles LGBT Center.

Next year will be my third time biking from San Francisco to Los Angeles to raise money for the AIDS/Lifecycle. Tonight, I donated $15 to the birthday boy to support his ride.

I'm a sucker for Mexican food, so I had to splurge on a $10 stadium burrito. Typically, it's all hot dogs and peanuts at baseball games, but not this Wednesday (mistake, it was awful).

The beers were $10 each. I had two. Cheaper than at Giants games (or many Bay Area bars for that matter).

The A's won, by the way.

I woke up on Thursday a little disappointed with my spending during the A's game. Thus, I decided to make all of my meals at home today.

Our 75-square foot kitchen takes up a little over 10% of our 700-square-foot condo. In total, our monthly housing expenses are $3,134, which means we spend over $300/month for our kitchen.

The way I see it, if our kitchen costs this much, we may as well use it! If we can save $300 per month by avoiding restaurant costs, the kitchen pays for itself.

Thomas' (Homemade) Taco Thursday was amazing. And so was dancing. Rachael and I are getting married at the end of August, so we are practicing for our first dance. While we both like to shake our booties on the dance floor, it was clear after our $60 class that we needed the lesson. Our first dance will be much more magical with the skills we picked up.

We continued to practice at home later that evening.

We like to budget for at least two dinner date nights a month. We wish we could splurge more often, however, even the smallest meal plus drinks will cost over $100.

Tonight we went to our favorite local hot spot. This renovated, industrial warehouse offers eclectic small plates, cocktails, and songs spun by a DJ. It is always crowded. Tonight we waited over an hour for our table. Typical for the Bay.

We ordered their famous no-cheese mac & cheese, roasted brussels sprouts, fried chick, and a soft shell crab po' boy. All are small plates, but come with a large bill. Add two glasses of wine and we walked out of there $108.86 poorer. I ate a snack at home later that evening.

Oh, and some shopping — I really hate shopping.

The day started with a bang! (literally), the 5k race gun went off at 8 a.m. My sister was in town, and we joined up with our running club, along with others from the community to run in support of a local nonprofit. All proceeds will go towards running shoes for young kids in the community. I donated $45, which included food and fun.

Afterwards, we went wedding craft supply shopping ($192.80). Shopping and crafting are not my strong suits, so I opted to pick up some coffee ($8.85) and snacks ($10.04) for the girls. I found a Starbucks in the Target across the street, and took my time on the way back.

We concluded our busy day by hosting our neighbors for dinner and wine ($58.07).

I managed to avoid spending any money by eating leftovers and staying in. Minus walking our dog, Princess Daphne, I didn't leave the condo. Sometimes you have to hide out to avoid spending money in the San Francisco Bay Area!

Sunday was fun, however. I learned that I actually like crafting when it is for our wedding.

Don't get me started on how much it costs to plan a wedding in the Bay Area. Yikes!