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 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?

Net Worth Week 79 – Oof Edition

Gentle Readers,
Still no word on a will. Treatment is not going as easily as he hoped.
I still have a job.
That’s all I can say for this week.

This week’s net worth numbers

10/6/2017 10/13/2017
 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 3195  2838
 IRA  14719  15309
 Brokerage 855  838
 Rewards Card 2  0  0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6270 (BT)  -6270 (BT)
SL 1 -105965 -105643
SL 2 -46702 -46555
 Earnest -2708 -2713
 Net Worth -141378 -140698
 Percentage Change .16% .48%

Have you ever convinced a dying person to write a will? How did you do it? 

Net Worth Week 77 – Flexibility Helps Edition

Gentle Readers,
I am off to my sick relative this afternoon. I will miss 3 days of work for this visit, but seeing him before the radiation and chemo wreck havoc on him will be worth it. Thankfully, I just had to pay the cost of taxes since I still had miles available.
It’s been quite a busy week. I put my first invisalign tray in on Tuesday and it was painful. It is stillpainful, but the pain for days two and three are different from day one. I met with my client yesterday to fulfill his last minute request, and earned a little money for my business. I gave my business another loan this week to get me through the next month. Hopefully, that will be the last loan necessary. The downsides to owning a small business include needing to handle things even when your family is in an emergency.
For my relative, I have no idea how he’ll respond to treatment. If he’ll respond. So far, he is in remarkably high spirits. Perhaps my girlfriend was right to believe that my family’s ornery-nature could prove the odds wrong???

This week’s net worth numbers

9/22/2017 9/29/2017
 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 4548  3466
 IRA  14213  14542
 Brokerage 837 827
 Rewards Card 2 0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6270 (BT)  -6270 (BT)
SL 1 -105734 -105849
SL 2 -46596 -46649
 Earnest -3160 -3167
 Net Worth -140664 -141602
 Percentage Change .49% -.67%

How many times have your miles saved you money? I think I am at 4 or 5 “free” trips so far this year.

Net Worth Week 71

Gentle Readers,
It’s been an exciting, but unprofitable week for my business. I was invited to do an interview and to be a panelist. Both will be excellent publicity. I have not previously done either, and will need to prepare. They are both good skills to have, and I must keep developing.
My agency did not tell me that I was eligible for paid vacation based on the type of work I am doing and my longevity on a single job.  Heading to Texas last week was my first paid vacation ever. My agency still has not let me know how much leave I’ve accrued, but I know that I have a minimum of 2 days remaining.
My invisalign has not yet arrived, but my dentist thinks I’ll get them in two more weeks. That will be another cool $2000 to start and the beginning of a different type of pain.
I finished the personal tutoring this week and will restart group classes next week. I also talked with a friend who does the type of work I am skill-building in. She gave me some tips on how to handle the process and let me know what a passing score is.
I will have to write a check to my business this week. It just won’t be able to cover the big August bills otherwise.
On a happy note, I will get to see my girlfriend again two times in September!

This week’s net worth numbers

8/12/2017 8/18/2017
 Joy 1108 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1005 1005
Life 1632  2722
 IRA  13267  13236
 Brokerage 812  809
 Rewards Card 2 -2784 -3123
 CC (largest) 0  0
 CC (longest) 0  -47
 Rewards Card -438  -438
SL 1 -105317 -105416
SL 2 -46406 -46451
 Earnest -3584 -3591
 Net Worth -140322 -139803
 Percentage Change -.37% .37%

How are you growing your skills?

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 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?