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 54 – Dine With Friends Edition

Gentle Readers,
At long last, my client who insisted everything was urgent weeks ago, is coming in for final approval this weekend. Then my business can get paid!
I’m trying really hard to get a ton of overtime this week, while also planning on finally doing my Self-Employment taxes, which I am still intimidated by. I really want to pay off these credit cards and keep them paid off. My project is only scheduled for 8 more weeks, but could potentially last longer. I want to get myself into a really good position before the ability to do so much overtime goes away. Nearly $5K I’d like to pay off in the next eight weeks, and then I can re-focus on funding my IRA.
I did have a delightful text asking me to join a friend and his family for lunch in ten minutes on Thursday. I ignored my packed lunch and met them. This was the first time their son actually talked to me, too. It was wonderful. Dining with friends makes such a difference in my happiness levels. I would like to do this at least once a week. Lunch or happy hour or a walk or something.

This week’s net worth numbers

4/14/2016 4/21/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1002 1002
Life 518  1239
 IRA  12645  12768
 Brokerage 682  691
 Rewards Card 2 -1138 -1000
 CC (largest) -3227  -2761
 CC (longest) 0  0
 Rewards Card -1231 -1176
SL 1 -104375 -104490
 SL 2 -45976 -46029
 Earnest -5285 -5296
 Net Worth -144811 -143478
 Percentage Change -.24 % .92%

Have you ever ditched your packed lunch for camaraderie?

Net Worth Week 53 – Maintenance Edition

Gentle Readers,
Monday I saw a play with a friend. Last night I had dinner with another friend. Today, I am meeting up with two different college friends. Neither of whom were planned before yesterday. I had brunch at my friends’ house last weekend and have plans with humans not my office for both days this weekend. I am doing a good job of maintaining friendships this month. It’s a lot though. I need to get some more things done. Always seeking balance.
I’ve had two different meetings with potential clients and another client may finally provide me with the final details so I can finish his case. My business will support itself for a few more months on this money.
I know I am behind on self-employment taxes and will pay the penalty, but I just couldn’t get to it by March 15th. I paid myself so little that I am hopeful that this learning experience will be worth the fee.

This week’s net worth numbers

4/7/2016 4/14/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1002 1002
Life 639  518
 IRA  12736  12645
 Brokerage 689  682
 Rewards Card 2 -585 -1138
 CC (largest) -3264  -3227
 CC (longest) 0  0
 Rewards Card -1331 -1231
SL 1 -104519 -104375
 SL 2 -46041 -45976
 Earnest -5274 -5285
 Net Worth -144460 -144811
 Percentage Change .07 % -.24%

Are you ready for tax day?

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 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?

  

Net Worth Week 28

10/7/16 10/14/16 10/21/16
Joy 1101 1101 1101
Travel 323 323 323
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 1005 1005 1005
Business 1 1 1
Bed 0.29 0.29 0.29
Life 596 946  1942
IRA 10007 9914  10011
Brokerage 401 400 399
CC (largest) -4652 -4559  -4559
CC (longest) 0 0 -62
Rewards Card 0 0  -383
SL 1 -102813 -102929  -103044
SL 2 -45263 -45316  -45368
Earnest -7713 -7720  -7736
Net Worth -146637 -146463  -146000
Percentage Change .23% .11%  .31%

How are your Octobers going?

Net Worth Week 23 – Pain Abatement Edition

9/2/16 9/9/16 9/16/16
Joy 1100 1100 1100
Travel 323 323 323
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 31 31 283
EF 1004 1004 1004
Business 1 1 1
Bed 0.29 0.29 0.29
Life 1775 747  871
IRA 10118 10186  9854
Brokerage 402 403  395
CC (largest) -4755 -4699  -4699
CC (longest) -0 0 0
Rewards Card -644 -0  0
SL 1 -102835 -102594  -102726
SL 2 -45273 -45163  -45223
Earnest -8094 -8109  -8126
Net Worth -146761 -146532  -146867
Percentage Change -0.11% .15%  -0.22%

Have are your Septembers going? Is learning happening in your lives and professions?

Net Worth Week 21 – Tacos Trucks On Every Corner

Date 8/12/16 8/19/2016 8/26/2016 9/2/2016
Joy 1100 1100 1100  1100
Travel 323 323 323  323
Down Payment  19 19 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  2003 2003 2003 1004
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  769 1844 2127  1775
IRA  10087 10127 10058  10118
Brokerage  410 402 401  402
CC (largest)  -4791 -4791 -4791  -4755
CC (longest)  -295 -319 -427  0
Rewards Card  -273 -564 -1022  -644
SL 1  -102489  -102604 -102719 -102835
SL 2  -45115  -45167 -45220 -45273
Earnest  -8404 -8522 -8540 -8094
-$146657 -$146050 -$146599 -$146761
  -.38% change .41% change -.37% change -.11% change

Have you ever felt more secure even when the numbers stayed the same?