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 68 – This is Gonna Hurt Edition

Gentle Readers,
I’m so glad that the most recent attempt to kill my access to health insurance as a small business owner failed!
The community theatre show was dreadful, but I enjoyed seeing my best friend. Our schedules have not aligned often this summer, and I had missed her.
I had my first chance to test myself in my new skill due a job posting. I did not achieve a high enough score this time, but I have  much better idea about how to move forward. I discussed the test results with my tutor and she is helping me with my plan to re-focus where my skill is lacking. Knowing where you stand is powerful knowledge. I think a few more months of hard focus should have me ready.
I went for my semi-annual cleaning, and happily have no cavities! My dentist has now approved me for invisalign to help fight my TMJ since it seems my teeth have finished shifting after the removal of the final wisdom tooth. It’s going to be an expensive few months. However, I am grateful for this as it should reduce my pain. I’m frankly weirded out by the idea that my smile will be forceably changed. My teeth have always been crooked and I like that about me. I worry that I won’t recognize myself and that I will look less interesting.  But, I must see reason, and know that my teeth are not in the healthiest position currently.
The cost of invisalign would have been easier to handle with a gig in the new skill, but that was not yet to be.

This week’s net worth numbers

7/21/2017 7/28/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 1480  1499
 IRA  13479  13481
 Brokerage 824  809
 Rewards Card 2 -2045 -2406
 CC (largest) 0  -114
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105213 -105329
SL 2 -46359 -46411
 Earnest -4025 -4033
 Net Worth -139365 -140010
 Percentage Change .45% -.46%

Did you ever have braces?

Net Worth Week 67

Gentle Readers,
This week’s heatwave is worse than last week’s heatwave. The bandelettes  are doing their job. I need to venture out of my home this weekend for a friend’s brunch and a community theatre show. I’m not looking forward to foregoing the AC, but friendship decrees it!
This has definitely been a week of learning. I am very glad I attended that training last Friday even though it meant I did not get a full 40 at my gig. The knowledge and networking was worth it. I met a woman in my field who is interested in starting her own similar business now that she is financially successful and does not have to worry about income. We have a lot to discuss.
I continued with the intensive tutoring. Really big breakthroughs are happening, and I am exhausted. 2ish weeks to go! Then maybe a long nap!
This is my second week under -$140K!!!

This week’s net worth numbers

7/14/2017 7/21/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 508  1480
 IRA  13304  13479
 Brokerage 817  824
 Rewards Card 2 -1693 -2045
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105098 -105213
SL 2 -46306 -46359
 Earnest -4016 -4025
 Net Worth -139990 -139365
 Percentage Change .69% .45%

How are you handling your heat wave?

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 58 – Graduation Edition

Gentle Readers,

My gig continues to be managed very poorly. Once the supervisor who hated this project got a new job, it has gone downhill faster and faster. They promise there is a ton of work to do, but they are not staying enough ahead of us, me really, to ensure that there is work available when necessary. It’s frustrating. I sit at my desk waiting for work. At least I get paid when I wait. Their mismanagement messes up my ability to get overtime as planned.  Nothing is promised and I have to keep remembering that. Thankfully, I am still doing well.

A coworker I like on another project let me know about some job postings within our field but a level up. He found the pay rate and what skills we would need to show in order to qualify for it. I appreciate that he looks out for us.

I am off to my family member’s graduation party this weekend. It is important to show up for significant milestones. I’ll also get a chance to have a girl’s day with my best friend from middle school. Since she has children, I am letting her pick what we do. She gets less downtime than me. If she wants us to hang with her family or if she needs away time, I’m happy. I love her family, and I will do my part to contribute to its happiness.
My TMJ is acting up. I’m trying to do a better job taking care of this pain, but stress triggers it.
The markets were rocky this week. I wonder what they’ll have in store for us with all of the ridiculous goings-on in our Administration. My IRA is down, but my net worth is up. I’m heading in the right direction. This is the fourth week with a positive change in my net worth!

This week’s net worth numbers

5/12/2016 5/19/2017
 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 832  1644
 IRA  13002  12883
 Brokerage 693  685
 Rewards Card 2 -1572 -1474
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -999 -918
SL 1 -104577 -104693
 SL 2 -46068 -46121
 Earnest -4862 -4872
 Net Worth -141059 -140374
 Percentage Change .95% .49%

Have you noticed the rocky market or just kept on with your plan?

Planning For a Graduate’s Future – Redux

Gentle Readers,

It is graduation season again, and another family member is finishing high school. This time the plan is to stay in the family home until college starts. I like to not play favorites with siblings, so I am getting her almost the exact same set of books that I got him last year. One small deviation to account for the differences in their characters.

I decided to stick with the perennial favorite, “The Millionaire Next Door.” She plans on a high-paying career, but I think the stealth wealth envisioned here could help her stay on course no matter what happens.

Her personality is very different from her brother and I think she’ll be best served by the framework in “The Money Book for the Young, Fabulous & Broke.” That will be on top of her present-stack.

I don’t think she would even read the one I was least sure of for her brother, so I did not buy her it. I don’t want to waste her bookshelf space. She plans on being pre-med. That shelf-space is precious.

She believes in deep thought, supposedly, and I got her the esoteric one, too, “Early Retirement Extreme.” I suspect she won’t touch this either.

The deviation for her was “Truth & Beauty: A Friendship.” I loved this biography and think that many women with deep but fraught friendships could benefit from seeing one displayed in all of its gory richness. Patchett is one of my favorite living authors and this was helpful and painful to read during a particular time in my life. I think this family member may understand my twenties better from reading this. Perhaps not. I hope that she navigates relationships in a far healthier way.

Unlike her brother, I think traditional education is the current best route for her. I think she will flourish in college in a way her brother never would. Maybe I’ll buy a textbook for her? Or leave that to her parents…

What do wish you had read at 18?

Net Worth Week 56

Gentle Readers,
The same grind as last week. Being diligent getting my hours, going to class, and studying. The business front has been quiet for the past two weeks, which has been a nice change. I can focus on getting my OT and paying down this personal debt for the time being. I have spoken with other similar professionals and they are having a slow few weeks, too. Apparently, all of our clients only came in with their tax refund money.
Still working according to the plan and on track to pay off the balance transfer before the rate changes in early.
I finally figured out why I could not get my numbers to reconcile. I had a decimal place off for one category for the past few weeks.
Tonight I celebrate my best friend’s birthday. It also happens to be the anniversary of meeting my girlfriend. Lots of happiness. It is strange to think that I have only known her for part of my life. She feels so vital to it.

This week’s net worth numbers

4/28/2016 5/5/2017
 Joy 1105 1106
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1002 1003
Life 1324  1397
 IRA  12974  12937
 Brokerage 698  689
 Rewards Card 2 -1859 -1727
 CC (largest) -1629  -879
 CC (longest) 0  0
 Rewards Card -1200 -1150
SL 1 -104606 -104721
 SL 2 -46081 -46134
 Earnest -5307 -5318
 Net Worth -143110 -142414
 Percentage Change .26 % .55%

Are you celebrating Cinco de Mayo ?

Net Worth Week 55

Gentle Readers,
I think I figured out my self-employment taxes last weekend. Based on the forms I filled out, I don’t need to prepay quarterly taxes for Self-Employment Tax purposes because I do not anticipate earning enough through my business this year. I also received my federal refund and immediately plowed it into paying down debt as intended.
My overtime goal was thwarted this week because we were made to leave early on Thursday. I used the “extra” time to mow my lawn before we get into the 90s this weekend, which was great because all of the rain had prevented me from maintaining it properly. The added $30 from my roommates never hurts either.
I’m still doing what I can overtime-wise, but it will be smaller than I intended this week.  My project got a surprise two new coworkers this week. Our project manager is now indicating more strongly that we will have work after the next eight weeks, but there are never any guarantees in this industry. I’m still going to try to overload on OT while I can, because you never know what the future holds.  If all goes according to plan, I will pay off my balance transfer before the 0% interest rate changes in early July. In the past two weeks, I have paid off 49% of the remaining balance. The next two paychecks are entirely devoted to debt reduction.
I have used my girlfriend’s old crock pot twice now, which means my lunches have been far more frugal than usual. I’m still getting the hang of the process and seeking out better recipes. Do you recommend any?
This weekend I’m looking forward to dinner with a friend who is in town and also a college alumnae resistance event. See, I do some balance.

This week’s net worth numbers

4/21/2016 4/28/2017
 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 1239  1324
 IRA  12768  12974
 Brokerage 691  698
 Rewards Card 2 -1000 -1859
 CC (largest) -2761  -1629
 CC (longest) 0  0
 Rewards Card -1176 -1200
SL 1 -104490 -104606
 SL 2 -46029 -46081
 Earnest -5296 -5307
 Net Worth -143478 -143110
 Percentage Change .92 % .26%

Has the rain ended in your area yet?

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?