Net Worth Week 98 – Happy Trend Edition

Gentle Readers,
I have a gig! It’s not as well paying, but I am making money and this is a comparably nice work environment. I’ve never worked for this agency or in this precise location. The commute is nice and there is good coffee with short lines nearby. We didn’t start until Wednesday, so next week will be a relatively small check, but at least it’s a check.
Since I did not work last week, there was nothing coming in and a lot going out for the conference travel. Still glad I did it because the dividends have been felt in my business and career outlook.
My beloved class began again! My teacher is almost ready to give me the A grade I need to do a gig in this skill!  Then I went gay swing dancing; it was a lovely day.
No further word from the good government gig.
I finally got the data I needed from the sibling so that I could fill out the life insurance claim paperwork. My dad was a federal employee so I don’t know how long it will take. What I could see online made it appear that up to two weeks could be reasonable. Non-government insurance appears to pay out faster.
I’m still waiting for something from an overseas family member before I can take next steps with the court about his final bills etc. I’m really glad that he didn’t want a funeral and none of us truly needed the assets from his small estate or life insurance to support ourselves. This has dragged on even though the only true complication was the hospital taking nearly 3 months to sign a death certificate. Imagine how terrible it could have been if the family was fighting, too!

This week’s net worth numbers

2/16/2018 2/23/2018
 Joy 1113 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 287  287
 EF 57  57
Business 5  5
Life 2140  1582
IRA 16485  16359
Brokerage 852  845
Rewards Card 2 -6023  -7601
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -105973  -106088
SL 2 -46705  -46758
Earnest -922  -924
 Net Worth -143643  -146082
Percentage Change .15% -1 .7%

Have you developed a skill over time to drastically impact your earning potential ?

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 88 – A Bit of Work

Gentle Readers,
I’ve worked half a week! It’s been nice to use my brain. It seems like the gig will end very early this morning so I am trying to get in to get what few hours may be available.
Everything else is just the same. Waiting on paperwork for my dad’s estate. Running around to play soccer. Waiting for the government to start the well-paying gig. Hoping that I have enough to get by until that happens. I did get to re-schedule my physical that I had to miss when I was out of state for my dad, and am happy to report that all of my vitals are good. And, my doctor does not think we need to consider me as higher risk for cancer even though he is immediate family; his cancer mainly impacts men and those with very different lifestyles from mine.
I did significant things to improve my business this week and will likely sign a new client this weekend. That’s a relief! I still think I’ll have to give my business another loan, but it can be smaller.
Unsurprisingly, my mental health is definitely improved by having work to do. A little less money stress. An enforced early wake-up time. Less time to hyper-focus on my feelings that shift rapidly still. As I write this, I’m frustrated and angry with my girlfriend. Two days ago, I had a hard time resisting contacting her to tell her how wonderful my day was. These phases are natural. Whether we stay together or break up, they all make sense. All of the emotions are valid. The things I’m angry about I was upset about throughout our relationship. My wanting to share joy with her is the same. All of this can change, but for now, I just have to accept that my emotions are going to stay in a flux position for awhile.
I’m now more than halfway done with Invisalign. After that first week, I’m really glad I stuck with it. Significant pain reduction. I’m looking forward to eating whatever I want again, as well.

This week’s net worth numbers

12/8/2017 12/15/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1903 1481
IRA 16027  16064
 Brokerage  867  863
 Rewards Card 2 -2702  -2947
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105692  -105791
SL 2 -46577 -46623
Earnest -2284 -1827
 Repay brother  -600? -600?
 Net Worth -143176 -143493
 Percentage Change -.62% -.22%

Do you think the federal government will shut down or that I will start the good gig before Christmas?

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?

Net Worth Week 83 – Find Support Edition

Gentle Readers,
My heart is still hurting, but  I must just wait for her. I know that it will likely be many months. My twitter shows how swiftly my feelings and hopes and fears can change about this. However, I am following our boundaries as stated. No matter how I feel at a given moment. I’m really proud of myself.
This post is so late because I had a slumber-party with my friend and her family. It was soul-refreshing. The kids were sad I had to leave, but I can’t sleep on their couch forever. We played. We ate delicious food. We talked. She and I made plans to make plans for a trip. It was lovely. Rejuvenated me.
 I attended a conference about my business this week, and had my gig likely canceled. It is only likely until someone with the authority to fire me is actually at work. The two people authorized to make the decision were out on vacation when my supervisor said that the project is likely over. Thankfully, the conference was very informative and introduced me to people of like mind.
I’ve not further looked into Talk Space yet. I’m not sure that I need it, or that I can afford it since I don’t know if I will be employed come Monday.
This next week should see the biopsy results for my brother. Then we’ll know what steps he’ll need to take. His wife’s c-section is also planned.  I’m really hoping that it goes well and that the baby is healthy.
Per my girlfriend’s request, I’ll have my physical this week and see if any tests would be necessary for me.
For the second week, my dad could not begin chemotherapy because he has not been able to consume enough. It has been four weeks since he has been able to receive any treatment. I fear that means he has only weeks to live.

This week’s net worth numbers

11/3/2017 11/10/2017
 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 3159  2047
 IRA  15851  15798
 Brokerage 864  863
 Rewards Card 2  -630  -612
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -5979 (BT)  -5764 (BT)
SL 1 -105989 -105668
SL 2 -46713 -46566
 Earnest -2730 -2270
 Net Worth -140668 -140673
 Percentage Change .43% .–%

Do you think I’ll have a job for the next few weeks?

Net Worth Week 82 – Things Get Worse Edition

Gentle Readers,
If you follow me on twitter, you’ll already know that instead of staying with me for a week, the unresolved issues in our relationship jumped out and demanded attention, which included my girlfriend staying with other friends. The short version is that she needs space right now and I am giving it. It is incredibly difficult to wonder if she’ll come back in a few (many) months and want to release the pause button.  But I know that regardless of the outcome, the way she needs love from me right now is from a distance. That means very limited direct communication. She can’t have space to focus on herself if I am filling it up with cute memes or with my woes and joys.
Any time I hurt in major ways, I allow myself to feel the fullness of what I’m feeling, but I also make sure that my friends know what is happening. They can check on me and contribute to my well-being. My friends are doing a great job of loving me.
Even so, I’ll be raw for awhile, but that is just something you experience sometimes. I am using the time to focus on being the best version of myself. I am studying hard. I am loving my friends well. I am doing many more things to develop my business.  I am crying and sleeping and remembering to eat.
I’m already a different person from when she saw me last. Quite literally, as I’m now on a new tray of invisalign. I’m sure that there will be other, less tangible changes as well between now and the next time we see one another. Time does that to people. I know what I hope for and I know that I may never get it. I’ll exist in an interstitial emotional space for a bit.
I’m looking into Talk Space, in part, so that my current string of woes does not overwhelm my friends. The weekly fee for access to the subscription is cheaper than a therapist through my insurance. I don’t think I would do the highest tier, which is the only one that includes one 30-minute Live-Session a month. Can a therapist messaging you once or twice a day make enough of a difference to be worthwhile? I’m not aware of having a mental health issue. I’m just going through a lot and a space for talking is good…
How this impacts me financially. So far, I’ve had to use will-power to prevent myself from buying very expensive beautiful shoes I cannot afford right now. Part of no communication includes me not sending her presents or planning any trips. I’ll be spending thanksgiving at my friends house in DC, which is cheaper than flying to Texas. I’m trying to spend time with friends while spending little money, and that is helped by invisalign. Eating is difficult and most menus have food that is just too tough for me right now. I also think that I’ll be talking more walks along The Mall in the near future. Due to growing my business and having a gig,I spend more time alone than this extrovert likes, and at a time when I am sad and stressed that is definitely not a good thing.
In other tales, more things got worse for my family, too.
My favorite brother who lives overseas and whose wife is in a high-risk pregnancy just told us that he has the precursors of the cancer that is killing dad. Hopefully catching things so early means that appropriate treatment will save his life. That is highly likely. Thankfully, he lives in a country where medical care won’t bankrupt him. He can access it. Being afraid for dad made him go get tested for something that has been bothering him for a year. Our dad’s illness may have saved his life.
This type of cancer mainly impacts men, but just in case environmental factors played a part, my girlfriend asked me to get my physical and update my medical record with the new cancer prevalence in the family. So I’ve made that appointment. She also wants me to do a cancer screening, and I’ll ask my doctor if that is something we should do.  I also checked out the insurance available on the exchange for next year. My premiums are going up by a lot more than any other year since the ACA started, but insurance is important. I clearly need to study to earn more so that I can cover the expensive next few months.
My dad was not actually able to begin chemotherapy because he has not been able to eat or drink enough to have the appropriate ‘levels.’  This sounds ominous to me. I did ask a nurse I know for her thoughts. To her, it sounds normal and not ominous. I’m not convinced.
We are anxiously awaiting the next baby. It’s been a very high risk pregnancy and I have a lot of stress about her safety. Baby should arrive in the very near future.

This week’s net worth numbers

10/27/2017 11/3/2017
 Joy 1109 1110
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 286 286
 EF 11 11
Business 5 5
Life 3424  3159
 IRA  15469  15851
 Brokerage 872  864
 Rewards Card 2  -1115  -630
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6168 (BT)  -5979 (BT)
SL 1 -105874 -105989
SL 2 -46660 -46713
 Earnest -2725 -2730
 Net Worth -141279 -140668
 Percentage Change -.67% .43%

When many things fall apart at once, what is your self-care? Have you ever used a therapist or Talk Space?

Net Worth Week 81 – My Love is Here Edition

Gentle Readers,
My love is able to work from my home for a few days! Seeing her for more than a 24 hour stint is luxurious. I’m so grateful for her closeness. The badness in the world makes me want to be near her, but it has not been financially, or otherwise, possible.  We weren’t sure this visit would actually happen. So I have some business meetings to attend while she is here, but I am hoping to handle them with a laser-focus efficiency.
MY LOVE IS HERE!
And, back to other bits of my reality.
Still no will yet.  I’ve not yet received my copy of his living will.
Favorite uncle is still in the hospital.
We are done to one pregnant person, because there is a new baby!
I did a ton for my business this week. There is one person in particular I’d love to hire me because I just really clicked well with her.
I’m still studying like a machine! For now, I am ahead in my 3 month plan, but we know that the best laid plans can fail. I’m just going to keep plowing through until there is an obstacle outside of my control.

This week’s net worth numbers

10/20/2017 10/27/2017
 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 3001  3424
 IRA  15549  15469
 Brokerage 863  872
 Rewards Card 2  0  -1115
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6168 (BT)  -6168 (BT)
SL 1 -105759 -105874
SL 2 -46608 -46660
 Earnest -2719 -2725
 Net Worth -140343 -141279
 Percentage Change .25% -.67%

I guess if my father does not draft a will, then the state he lives in will control everything and I do less; anyone gone through this?

Net Worth Week 80 – Do What You Can Edition

Gentle Readers,
We’ve upgraded to a living will, but no will yet. He said he’d mail me a copy since I will be the one to make final decisions on his behalf. I wish he would draft a will. He’s told me generally what he wants, but that conversation has no legal ramifications.
My favorite uncle is on day 5 at the hospital now, as well. The pregnant people remain pregnant thankfully.
I did some good business things this week. I attended a professional luncheon and met others doing similar work. Multiple people also told me that they are sending people to my business soon. I hope at least one pans out. One client at a time is easiest when you have another job. I don’t know what my capacity for clients is during family emergencies, but I know that my business needs money to survive.
My dentist thinks my invisalign is going well. I told her about the travel situation with my dad and got her advice on how to handle timing. The pain is still around, but much better than before. My teeth are still sensitive enough that I can’t eat hard things and that is impacting me a bit, and I think that this restriction will last throughout treatment.
I’ve been very focused on studying when not worrying about my dad and my business. I have a 3 month plan to get myself over this hurdle and able to take on work in the skill.  These extra expenses right now are stressful and I am trying to focus that stress into learning.

This week’s net worth numbers

10/13/2017 10/20/2017
 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 2838  3001
 IRA  15309  15549
 Brokerage 838  863
 Rewards Card 2  0  0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6270 (BT)  -6168 (BT)
SL 1 -105643 -105759
SL 2 -46555 -46608
 Earnest -2713 -2719
 Net Worth -140698 -140343
 Percentage Change .48% .25%

Still I wonder how to convince a dying person to write a will. Any tips?