Net Worth Week 75 – Babies R Us Edition


Gentle Readers,
It is almost time to pack my bag to head to the baby-shower I dread. But, my rule as a human is to show up whenever possible. Even if the family member is a schmuck. Definitely for a baby-shower, especially if the family member is a schmuck since the baby needs examples of how to be good when people are unkind.
I have now paid for nearly half of my invisalign and should receive my first trays in the next 1.5 weeks. It’s going to be more painful in the short-term, but will hopefully correct some of my TMJ. My wallet is not pleased. Since I am worried about cash-flow for myself and my business, I’ve initiated a balance transfer to give me breathing space to deal with the preliminary invisalign costs.  I will have until August 2018 to pay it off. It was approved, but has not yet shown up in the statement.
My student loan payments increase in October because I am on IBR and my income last year was higher than the year before, and I now have a monthly recurring payment for the remainder of my invisalign treatment. The last payment for invisalign corresponds closely with my last Earnest payment. It’s going to be a tight few months.
My dentist was surprised that my treatment plan is for five months. She had envisioned it closer to nine months. With her payment plan, patients pay roughly half upfront and then the remainder in equal monthly payments for the duration of treatment. If my invisalign needed longer to correct my teeth, I would have less of a cash-flow worry in the next few months. At the end of the treatment, I’ll need to pay for a new night guard to match my new smile. Unless my TMJ is entirely corrected, which is not the anticipated result

This week’s net worth numbers

9/8/2017 9/15/2017
 Joy 1109 1109
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 286 286
 EF 11 11
Business 5 5
Life 3282  4107
 IRA  13555  13882
 Brokerage 825  823
 Rewards Card 2 -3781 -6345
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105503 -105619
SL 2 -46491 -46544
 Earnest -3147 -3154
 Net Worth -139762 -141352
 Percentage Change .24% -1.14%

How much have you spent at the dentist this year?

Baby Shower Gifts When You Fear How They’ll Raise Children | baby shower gifts

Gentle Readers,

A small contingent of the family that I actually have a relationship with believes that I should stop being a lesbian and marry a man. I don’t know why this younger relative has decided to be such an ass, but he has. I don’t argue with it. I just avoid him as much as possible. I don’t have time for such ridiculous ideas. I am a lesbian. It’s not up for debate.

However, he also has a baby on the way and I have a family duty to let this little girl know that there are many ways to be a good human.

Thus began my quest to find baby books that would not be overtly LGBT-friendly, but covertly allow her to know that there are many wonderful differences in the world.

It’s a fine line. Nothing can say, “Hey your relative is a lesbian and she’s okay,” outright. I just need to plant the seeds that diversity of thought, ethnic group, and sexuality is okay.  To be extra covert, I bought some books that had no such intent, just some wonderful books that any baby would be delighted to chew on. I’m hoping the parents don’t notice what I’m doing.

The baby shower gifts I chose

Spots and Dots (Art Baby) – A beautiful book that can attract a baby’s eye. I think that there should be more art and beauty in everyone’s life.

More More More –  A book about being loved and cared for by parents. This concept is harder for my family than it should be. I hope that the cycle ends.

Spot Goes to the Farm – Dogs need adventures, too. This family member is least likely to leave a fifty-mile radius from his home. He would be well-served by learning about other ways of life. The world is less scary than he imagines.

Baby Loves Quantum Physics – Introducing hard concepts early even just briefly does wonders for expanding imaginations and belief in what is possible. And I’m a nerd who hopes to contribute to other people becoming nerds. My house growing up was filled with upper level books and I remember reading encyclopedias of science. I loved the concepts and hope she does too. I am no scientist now, but my life is enriched by hard concepts.

Whoever You Are = Accepting our differences and our similarities and loving that. This focuses on ethnic groups and nationalities. It’s a Reading Rainbow book and Levar Burton is hard to argue with.

We’re Different, We’re The Same = Sesame Street is hard to argue with, as well. Another book that focuses on visible differences rather than sexuality and gender identity.

Did I toe the line close enough? No rainbows, no two mommies, no genderqueer puppies. Just the smallest idea that there are more ways to be in the world.  Hopefully the parents won’t shut out this idea, but I must be careful.

How do you think I did in this quest?