Net Worth Week 65

Gentle Readers,
Work finally took away our OT. Slow and steady must win the race now.  My tutoring begins next week and I’m very excited. I’ll probably have less time for interacting with folks because I need to focus really hard on my lessons to make sure they sink in appropriately. A little focus should go a long way, I think. The plan is to devote most of July to this and then potentially find a gig in it. Such a gig would definitely change my money situation quickly.
I should have noted it before, but I am over halfway done on repaying my Earnest Loan! Huzzah!

This week’s net worth numbers

6/30/2017 7/7/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 46
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 1439  500
 IRA  13134  13085
 Brokerage 704  700
 Rewards Card 2 -2902 -2121
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105090 -105242
SL 2 -46306 -46372
 Earnest -4465 -4008
 Net Worth -140992 -140964
 Percentage Change -.35% .02%

Do you still invest in your skill-building?

Net Worth Week 64 – She’s Here Edition!

Gentle Readers,
My room is not yet perfectly organized. (Hint, it never will be.) But I have reduced the amount of stuff through donations, give-aways, and trash where appropriate.  I got it done just in time for my girlfriend to arrive.
My niece is also visiting, but some tomfoolery has prevented me from seeing her until her last day here.
It is still unclear how long my job will last. We had 2.5 days of sitting waiting for work before we were put back on tasks that don’t need to be done. My resume is as current as possible.
It has been an expensive few weeks. This has corresponded with OT being curtailed due to weekend server upgrades. I thought I’d be done with my credit cards before the end of June. I was mistaken.
Thankfully, one of the expenses is for my tutor who I will be starting with very soon. July is going to be an intensely focused month on skill-building. Hopefully, when August roles around, I will find a job in that skill. There was a posting for a similar gig this week, but it is bad form to leave a gig early and I’m not quite prepared.
 It’s time to head out the door for breakfast. I hope y’all have wonderful Fourth of July Weekends!

This week’s net worth numbers

6/23/2017 6/30/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 1116  1439
 IRA  13106  13134
 Brokerage 709  704
 Rewards Card 2 -2291 -2902
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card (98) CR  0
SL 1 -105011 -105090
 SL 2 -46266 -46306
 Earnest -4455 -4465
 Net Worth -140500 -140992
 Percentage Change .19% -.35%

Do you have plans for Independence Day?

Net Worth Week 63 – “Stable” Employment Edition

Gentle Readers,
I’ve done a good job working through some of the giveaway piles and they should be gone before my girlfriend arrives. Gave the nicest thing to a friend and will be donating the rest to a nonprofit.
Work is being very sketchy with information. I think my project is ending, but they won’t say. This is par for the temp employment course, but is always frustrating because you are never sure that you should be looking for a new gig until you are out of another. This is why a resume needs to be up to date. As soon as you are told that employment ends in 2 hours (this is what they do to temps), you can email your recruiters the updated resume and let them start working for you.
I get tempted when the balance is this close to raid my bank to pay off the credit card in full, but I don’t know if I have paying work next week and that feels dangerous.
Had the last free class and signed up for the great deal on a tutor. I think really focused work is going to get me ready to charge for this skill.

This week’s net worth numbers

6/16/2017 6/23/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 476  1116
 IRA  13145  13106
 Brokerage 705  709
 Rewards Card 2 -2136 -2291
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card (98) CR  (98) CR
SL 1 -104890 -105011
 SL 2 -46210 -46266
 Earnest -4446 -4455
 Net Worth -140764 -140500
 Percentage Change .37% .19%

Do you feel that your employment is stable?

Net Worth Week 61 – PRIDE Edition

Gentle Readers,
I have not yet been able to coordinate with my roommate about removing the box spring, so my new bed is still gigantic. My back feels like it is slowly getting better, maybe. I’m monitoring it.
The gig continues to go back and forth on what we should expect. At this moment, according to one set of instructions, we have one more week on this gig, but according to another set of instructions, we probably have a few more months. How’s that for planning your life?  I’m just going to keep showing up and trying to get hours in until they take them away from us.
My trip to my love was short, but good. It was my first venture on Spirit and I was very pleased. I don’t need much when I’m visiting her and am able to be down to one personal item – at least when it is not winter.  I’ve also looked up the cost of rental cars for the first time, and I learned that the cost for renting a small car for 3 days is less than the cost of a cab from the airport to her place. I must sign up for driver’s ed and become comfortable driving. We could explore so much more if I could drive us.
June is Pride month. I don’t know if it is Pulse haunting me, or the general scary world news, or the fact that my girlfriend is over one thousand miles away from me, but I’m not really interested in going to any of the events around PRIDE this year. Pride did not used to be such a corporate, white-washed event. It used to be queer joy, queer anger, and queer liberation. I’m trying to make space in my time and mind to attend a potluck or something with other queer folk. My heart is not there, but perhaps being in a queer space would do me enormous good…

This week’s net worth numbers

6/2/2017 6/9/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 1809  455
 IRA  13166  13191
 Brokerage 703  703
 Rewards Card 2 -3215 -2873
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  (106) CR
SL 1 -104924 -104780
 SL 2 -46226 -46161
 Earnest -4893 -4427
 Net Worth -141086 -141292
 Percentage Change -.26% -.15%

Are you doing anything to learn more about PRIDE or attending any events in your area?

Net Worth Week 59

Gentle Readers,

I enjoyed the graduation party last weekend, but got stuck in the city due to mechanical issues in my plane. Thankfully, airport hotels are comfortable enough and my job is flexible. It will make it harder to get all the OT hours I intended this week, but the travel vouchers will come in handy.  Getting out of town was a definite mood boost. I need to plan for this more often now that my girlfriend lives far away.

I had a client in my office late on Thursday. Not yet sure if they’ll hire me, but good to meet new people.
I’m excited to check out the mattress deals in the suburbs this weekend. Hopefully I can find something that diminishes my pain that does not set me too far back financially, too.

This week’s net worth numbers

5/19/2016 5/26/2017
 Joy 1106 1106
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1003 1003
Life 1644  1907
 IRA  12883  13106
 Brokerage 685  698
 Rewards Card 2 -1474 -2034
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -918 -1028
SL 1 -104693 -104808
 SL 2 -46121 -46174
 Earnest -4872 -4883
 Net Worth -140374 -140724
 Percentage Change .49% -.25%

Do you have vacation plans lined up this summer?

Net Worth Week 57 – One is Done Edition!

Gentle Readers,
This week has been a whirlwind. We sat for days at work waiting for our task to be available. Naturally, our supervisor did not communicate with us for two and a half days. So we sat. Thursday morning rolled around and we were told that unlimited OT was being “temporarily” suspended since work was not available. Sensible, but frustrating to my plans. A few hours later, not only do we have work, but we have multiple urgent projects. No word on OT until I had to ask my supervisor if the approval would be back since we have deadlines. This is the uncertainty of my job. We just never know what will happen.
I used my downtime at work to study and it feels like it’s paying off. I’m feeling very hopeful about my ability to get a gig in this new skill soon.
In wonderful news, I paid off the balance transfer ahead of schedule!!! No weird spike in interest rate on that bit of money. I’ve been throwing money at this particular sore-spot for weeks. In mid-April, I still had a balance of over $3000. This is one of the reasons I’ve been working my tail off in overtime. I wanted this gone and now it is!
My remaining credit card debt is $2571. Much better than the almost $6000 it was just a short while ago. I will continue working hard towards demolishing this debt. If my job can keep overtime available, it will be very useful for me. I am traveling next weekend, so my ability to work a ton will be diminished substantially.
This is my fourth week in a row of positive gains. I love that sort of trend!

This week’s net worth numbers

5/5/2016 5/12/2017
 Joy 1106 1106
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1003 1003
Life 1397  832
 IRA  12937  13002
 Brokerage 689  693
 Rewards Card 2 -1727 -1572
 CC (largest) -879  0
 CC (longest) 0  0
 Rewards Card -1150 -999
SL 1 -104721 -104577
 SL 2 -46134 -46068
 Earnest -5318 -4862
 Net Worth -142414 -141059
 Percentage Change .55 % .95%

Have you paid off something lately ?

Net Worth Week 52 – Year One Done

Gentle Readers,
One year of tracking my net worth is officially complete!
I’ve learned a lot by focusing so intently and have had some improvements while also having some setbacks. Those setbacks would have been worse if I hadn’t been focusing so hard.
At this point last year, my business was not going as well and I was about to spend a lot of my personal money keeping it afloat. I was also in a lot of pain, but had not yet figured out how to navigate the health system to get the care I needed. My girlfriend lived in my town, but in a very high stress, high hour job. I had begun learning a new skill, but was still very much a novice.
This year, I’m in a slightly better financial situation. My business is doing better and I understand better how to make it work. My pain is diminished and I am physically stronger. My girlfriend lives over 1000 miles away, and this chapter in our relationship has already taught us a lot. My skill-building is reaching exponential-growth levels and it is encouraging. My heart is also in a much calmer position. I’ve become more centered in a few ways even as the world around me, and portions of my life, are more uncertain.
This week has had some financial setbacks. After a few days with the mattress my roommate “gifted” me, my body has concluded it needs to be replaced along with the frame that is not structurally sound. I’m not thrilled with this, but I think my body can hold off a while. I ordered the frame my brother recommended and will use that once it comes in. I was worried for 24 hours that I would have to replace my phone after it took a trip into water. Thankfully, it is back in working order for now and I can wait to replace it.
I still find this weekly exercise useful and think I’ll keep it up for the time-being. One more year ought to get me into a better place.

This week’s net worth numbers

4/15/2016 4/7/2017
 Joy 1097 1105
 Travel 322 1
 Down Payment 18 19
 Retirement 21 21
 Health 45 45
 Moving 31 285
 EF 9 11
Business 1 1002
Life 907  639
 IRA  7026  12736
 Brokerage 221  689
 Rewards Card 2 n/a -585
 CC (largest) 0  -3264
 CC (longest) 0  0
 Rewards Card -3000 -1331
SL 1 -101892 -104519
 SL 2 -45001 -46041
 Earnest -10036 -5274
 Net Worth -150230 -144460
 Percentage Change 3.84%

Have you grown this year?

Net Worth Week 51 – After Vacation Edition

Gentle Readers,
I saw my girlfriend for the first time in a month! It was heaven! It also was my first vacation of more than 2 days in a very long time. I set an out-of-office for my business, and warned my clients. So many ignored the warnings, but I held firm and did not engage in any work while I was there.
I meandered. I strolled. I had a networking lunch with someone in my profession who was incredibly kind. I saw a friend. I ate good food. I rocked a rainbow bikini.
Back to reality.  I am a candidate for the cheaper Invisalign according to the company I met with. I still need to talk to my dentist and get approval to pursue this option.
I was given a bed to replace the one I had that my body hated. Unfortunately, even with my brother’s help, the bed I received is not salvageable. I’ll figure out in a few days if I need to replace the frame and mattress or just the frame. This is not an expense I planned for. But I gave my bed away on the promise of this new bed. Sigh.
I spent more on ubers/lyfts this weekend than my normal, but it helped me see her city and meet the folks I wanted to meet.

This week’s net worth numbers

3/24/2017 4/4/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 285
 EF 11 11
Business 1002 1002
Life 994 1666
 IRA  12693  12757
 Brokerage 684  689
 Rewards Card 2 -301 -950
 CC (largest) -3500  -3514
 CC (longest) 0  -65
 Rewards Card -1302 -1416
SL 1 -104288 -104469
 SL 2 -45936 -46019
 Earnest -5716 -5736
 Net Worth -144183 -144567
 Percentage Change -.01% -.27%

When was your last vacation?

Net Worth Week 49 – Stella Edition

Gentle Readers,
My new suit is still being fixed at the dry cleaner, I’ll write a post about this drawn out process soon.
I began talking to my friends about local orthodontist and invisalign costs and timelines. My crooked teeth are causing more pain and I need to use my money to lessen that.
Still couldn’t finish my taxes, because my W2 is wrong, again. This company was wrong last year, too. Same damn issue. Same nonsense of telling me that they aren’t wrong. If they don’t fix it by Monday, I’m reporting them to the IRS. Tired of their bullshit.
It was a busy week with Winter Storm Stella and my skill-building class, but I am feeling more and more confident in my abilities.
I see her in two weeks and I’m so excited!

This week’s net worth numbers

3/10/2017 3/17/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 11 11
Business 1002 1002
Life 622 342
 IRA  12568  12812
 Brokerage 688  694
 Rewards Card 2 0 0
 CC (largest) -3999  -3500
 CC (longest) 0  0
 Rewards Card -1629 -1252
SL 1 -104057 -104172
 SL 2 -45831 -45883
 Earnest -5692 -5704
 Net Worth -144841 -144174
 Percentage Change -.70%  .46%

Were you impacted by Stella?

  

Net Worth Week 48 – Oral Surgery Edition

Gentle Readers,
My suit arrived and the tailored made it fit. There’s still one small snag that I’ll need to have my dry-cleaner fix, but it looks like a million bucks. I’ll write a post about this drawn out process soon.
Oral surgery happened. Then ice cream and applesauce did. This process let me know that my insurance is now only acceptable at pharmacies that my insurer runs. No longer may I utilize CVS. It is inconvenient, but my past performance on prescriptions being such a rarity for me will hopefully continue trending.
I opened a new rewards credit card and was able to use my oral surgery to hit part of the spending limit. This card is for an airline that flies often between the cities my girlfriend and I live in. For now, I’m keeping all of my other cards open, but I may re-assess my needs and potential impact on credit rating. You’ll notice the big dip in my travel and EF account, because I wanted to pay for as much of my oral surgery as possible up front.
Taxes drafted. Schedule C. (got side-lined this week)
Skill-building classes returned!
Another client hired me as I nearly completed work on a different client’s project.
I finished funding my 2016 IRA.
 I bought my first ticket to go visit her in her new city!

This week’s net worth numbers

3/3/2017 3/10/2017
 Joy 1105 1105
 Travel 324 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 811 11
Business 1002 1002
Life 2640 622
 IRA  12234  12568
 Brokerage 698  688
 Rewards Card 2 0 0
 CC (largest) -4260  -3999
 CC (longest) -191  0
 Rewards Card -2322 -1629
SL 1 -104201 -104057
 SL 2 -45896 -45831
 Earnest -6145 -5692
 Net Worth -143831 -144841
 Percentage Change .34% -.70%

How have your Marches begun?