Net Worth Week 95 – A Change Is Gonna Come Edition

Gentle Readers,
The conference was exhausting, but served its purpose well.  I met some potentially good connections. I communed with other queer-folks. I saw friends. I agreed to mentor a friend on something I’ve been mentored on for my business and I’m looking forward to it. I even got to tell the person who mentored me how I’m finally able to start paying it forward.
Dog-sitting has reminded me that long commutes are terrible for being able to do anything. It is nice to not be with my roommates though. There has to be a better way to achieve that.
I finally received a small part of the estate paperwork I require, but still no death certificate. I’m wondering if the VA would like some media attention… The man has been dead for a few months. Someone needs to sign the damn certificate. I can’t process anything without it. His creditor would like their money. My siblings would like their life insurance. I would like to begin the process so that I can end the process at some point.
I am still waiting for my dentist to receive my next (last?) sets of invisalign trays. I’ve been wearing the current tray for triple the normal length. We even moved back my semi-annual appointment so that we could do both in one fell-swoop. So close! And my pain is definitely improved. I’m so glad I did this. Even though the expense has been great.
The good government gig is advancing me through. We are still waiting on a start date still. Huzzah! Back to higher pay, fewer hours, and more interesting work. And for the first time since I began temping, a supervisor who will supervise and who seems genuinely interested in my career. Very strange for gig work, but I am excited! It is coming at a good time. The current gig just cut our hours and it looks like at least some of us will be let go soon.
Skill building is still on the low burn, but once I am back in my own place it will be easier to get in to the new routine for what I think I need to focus on next.

This week’s net worth numbers

1/26/2018 2/2/2018
 Joy 1112 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 286  287
 EF 57  57
Business 5  5
Life 2099  2040
IRA 17216  17036
Brokerage 894  884
Rewards Card 2 -4563  -5040
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -106063  -106179
SL 2 -46747  -46799
Earnest -1381  -1384
 Net Worth -142044  -142939
Percentage Change -.28%  -.63%

Have you ever felt a shift for the good in your finances even when they technically are not improving?

Net Worth Week 90 – End of the Year Edition

Gentle Readers,
I completed the first things my new client needs while also working enough overtime to get the first-level bonus. I’m a reasonable woman and did not attempt the second-level bonus because I need to sleep and feel human every day. I also gave my business another small loan. Please let it be the last.
The interview for the other government gig went really well, and I absolutely want the woman who interviewed me to be my supervisor. This will take some time because the clearance I have is not accepted by her agency.  She estimated it would take 6-8 weeks for them to process it. I emailed the forms on Thursday, so mid-February at the earliest.
In the meantime, it appears the high OT gig I’m on will continue. I confirmed with my brother who says that the plane tickets were $600. After a few weeks in this gig to replenish my accounts, I’ll get that money to him.
I received my “last” sets of trays for Invisalign. My regular dentist was on vacation, so I won’t know if she thinks I need a “correction” after these are done. I do know that I will need to shell out nearly $1000 for a new retainer/nightguard once this process is complete. My mouth and jaw have changed a ton, and I need to keep all the work in place. It has not stopped being strange to see my changed smile. I do look forward to being able to snack or eat without immediately flossing and brushing. My vanity and debt have stopped me from taking new passport photos. I’m hoping that I don’t need a correction and can take the photos/apply for a passport in the next 2 months. I need to fly overseas to meet my new family member.
Still no life insurance paperwork, if it does not arrive by the time I’m done dog-sitting, I’ll have to make some phone calls.
Christmas Eve with my favorite family definitely warmed my heart. Christmas dinner ended up just being my friend and her girlfriend because her niece was sick. Still delightful. Watching their love and comfort together deepen is heart-warming.

This week’s net worth numbers

12/22/2017 12/29/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1872 1633
IRA 16077  16384
 Brokerage  861  858
 Rewards Card 2 -4269  -4200
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5600 (BT)  -5600 (BT)
 SL 1 -105923  -106039
SL 2 -46683 -46736
Earnest -1831 -1835
 Repay brother  -600? -600
 Net Worth -144596 -144635
 Percentage Change -.77% -.03%

Are you doing anything to celebrate the New Year?

Net Worth Week 89 – A LOT of Work Edition

Gentle Readers,
These past few weeks have been a challenge. Now I’m on to a new type of challenge. I started a high overtime gig and was finally hired by a client for my business. That client, naturally has an immediate emergency order for me to fulfill. This is the first client emergency I’ve had to handle. I learned a lot in the process. Hopefully that will make me a better businesswoman. I also reached out to my mentors for feedback and direction. Vital. It’s very possible that this client may have continuing work for me, if they like me.
But I am earning money again, while waiting for the good government gig to start. It also has overtime, but does not market itself as 40 hours of OT a week for four months. So I am grateful. The vicissitudes of gig-life mean that I have another interview for this gig, but with a different section of the government. This agency is trying to secure me work that would not be impacted by any government shut down.
I still have not received the paperwork I’m expecting for my dad’s estate. I know it’s the holidays, but they told me 3-4 weeks. I’d like to fill it out and get my siblings their life insurance payment. I know that the estate part will still take some time, but it appears that his debts and assets matched up fairly closely. That is less urgent. I also would like the life insurance for me. I have plans for debt reduction and asset purchasing. It would also just feel different to have all of that money in my bank account for a little bit. With the financial uncertainty of this year, it will be nice to get the unexpected influx.
Soccer is on hold for two weeks due to the holidays and I’m trying to stay fit enough with some simple body-weight exercises at home. I have a hard time sticking to this with everything going on. But some planks and stretching do a lot.
I was able to do a few small holiday things, which was nice. I really do like greenery and festive people. I’m so grateful that my friend invited me to her home for Christmas. It’s her first time hosting and I love her and her sister and her sister’s kids.  It’ll correspond with the start of my dog-sitting, but hopefully that just means it will be easier to get out to her.
Yes, I will have a Rover client, a fast-turn around client and a new high overtime gig all at the same time. November and December should have balanced themselves better. But, I am finding that I’ve got the energy to do this all. It is weird, but the energy is there.

This week’s net worth numbers

12/15/2017 12/22/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1481 1872
IRA 16064  16077
 Brokerage  863  861
 Rewards Card 2 -2947  -4269
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5600 (BT)
 SL 1 -105791  -105923
SL 2 -46623 -46683
Earnest -1827 -1831
 Repay brother  -600? -600?
 Net Worth -143493 -144596
 Percentage Change -.22% -.77%

Are you staying in your own place for the holidays or traveling this year?

Net Worth Week 86 – Biding Time Edition

Gentle Readers,
I’m still in the hurry up and wait phase of estate management and pursuit of a gig. My second-phase interview was rescheduled for Monday instead of yesterday. These interviews in my employment world are largely ceremonial. Once they approve me, they’ll need to formally request me and send me to get an ID. Since this is a government gig through a temp agency and a subcontractor, it takes time to onboard. Last time, it took a month from first contact to working. Thankfully I had a gig during that time to hold me over then. My first contact regarding this gig was November 6th; Monday would be 4 weeks since then.  In the meantime, I am studying like a mad woman to make myself available for other types of gigs.
I’ve also used this time to do some administrative work for my own office and bedroom. Handling tasks that take time but little brainpower. I’ve kept my brainpower for my heart and reading novels. This was a wise choice.
My friends have been really wonderful. Lots of phone calls and time in person. People are wrapping me up in love and it’s great. Even so, it feels like November has been the longest month. So much has changed. So much has happened. Hopefully working again will make time feel a bit more normal soon.
 I have my first Rover gig tonight and I am excited. Especially since I did not originally realize that I get paid per animal. I’m earning double what I thought this weekend. The dogs are high energy, and that is fine with me. I get a chance to stay away from my roommates and play with animals while earning money. Wins all around. Hopefully this client and I get along enough to make this an ongoing gig.

This week’s net worth numbers

11/24/2017 12/1/2017
 Joy 1110 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 2471 2454
IRA 15966  16098
 Brokerage  858  858
 Rewards Card 2 -1587  -1966
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105899  -106014
SL 2 -46672 -46724
Earnest -2279 -2284
 Repay brother  -600? -600?
 Net Worth -141855 -142291
 Percentage Change -1.16.% -.31%

Have you used Rover before?

Net Worth Week 85 – Thanksgiving Edition

Gentle Readers,
I have not yet been formally offered a gig. That means I earned no money this week. That’s frustrating, but it acted as a form of bereavement leave.  It also gave me time to be on the phone figuring out estate management. I began much of the estate process. I am still unsure of a few things, but I’ve made big strides. This is mainly because he had little and I had the time beforehand to get an idea of where he had accounts.
Unfortunately, Earnest did not allow a month-long break on paying. Apparently that is only for people who have their student loans through them. The only option for a break is a 3 month break. I hope that won’t be necessary.
I changed some accounts around. The health account was subsumed into the EF. I now have a line-item for the plane tickets I need to repay my brother for. He hasn’t told me the particular amount, but he will eventually. We’ve agreed that I will repay it when it won’t hurt me financially. That is, after I have a gig for a few weeks. Or when the life insurance pays out.
I got to spend Thanksgiving with one of my favorite families. The food and friendship were restorative. I got to hear stories from her children. I got to have a glass of very fancy whisky to celebrate her husband’s promotion.  It was lovely.

This week’s net worth numbers

11/17/2017 11/24/2017
 Joy 1110 1110
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 11 57
 Business 5 5
Life 2855 2471
IRA 15827  15966
 Brokerage  851  858
 Rewards Card 2 -891  -1587
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105833  -105899
SL 2 -46642 -46672
Earnest -2277 -2279
 Repay brother -600?
 Net Worth -140224 -141855
 Percentage Change .31% -1.16%

How were your Thanksgivings?

 

Net Worth Week 84 – Hard Week Edition

Gentle Readers,
My gig ended last Monday, but I have an interview to do similar temporary work as a supervisor. I hope that this works out. I will likely have at least two weeks without earning money.
My brother’s high-risk pregnancy ended with an apparently healthy child. They live overseas, and their country has some strict rules for fathers in hospitals. He had very little time with his child at first. Gratefully, his wife is being released today. Their child needs a little more monitoring, but things appear okay. That brother’s biopsy results indicate that he does not actually have cancer and he should be able to avoid the cancer that impacted our father by lifestyle changes.
Our father passed away a few hours after his most recent grandchild was born. Most of his children were en route, but did not make it in time for a final goodbye. One of his children had not been able to visit him during this illness at all. Another only saw him in his final hours – after he’d already lost the ability to communicate. I have many thoughts about this, but for now, I need to begin managing his estate and that involves many phone calls and figuring out what all needs to be managed.
I had to cancel my physical because I was near my dad, but I will reschedule. I also need to request a month-long break on Earnest.

This week’s net worth numbers

11/10/2017 11/17/2017
 Joy 1110 1110
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 286 286
 EF 11 11
Business 5 5
Life 2047  2855
 IRA  15798  15827
 Brokerage 863  851
 Rewards Card 2  -612  -891
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -5764(BT)  -5613 (BT)
SL 1 -105668 -105833
SL 2 -46566 -46642
 Earnest -2270 -2277
 Net Worth -140673 -140224
 Percentage Change .__% .31%

Have you ever had to handle an estate? Any tips?