Net Worth Week 46 – She’s Gone Edition

Gentle Readers,
I took my girlfriend to the airport this morning and called in “sick” to work. I believe mental health counts for a sick day, and that it is a stupid system that tells me I can only use the time-off I’ve earned in one particular way.
My best friend is meeting me after work. I am meeting my other best friend’s new puppy this weekend. I’ve got some client work to do and also am not trying to get any OT this week, in part because the holiday pay calculation means that I would have to physically work 40 hours plus 1 in order to get the time-and-a-half pay-rate. Not today, Satan.
 Time to do the errands I’ve been putting off while focusing on her move: trip to the tailor,  oral surgeon,  preparing taxes so that I can understand how to do my schedule c/k? properly, grocery store, skill-building.
My net worth took a slight dip this week, which is attributable to my getting a hotel for her last night in our city. Absolutely worth it.

This week’s net worth numbers

2/17/2017 2/24/2017
 Joy 1104 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 751 751
Bed  0.19 0.19
 Life 1608  1622
 IRA 11974  12163
 Brokerage 688  693
 CC (largest) -4203 -4215
 CC (longest) 0  0
 Rewards Card -1682 -1909
SL 1 -103970 -104085
 SL 2 -45738 -45844
 Earnest -6122 -6133
 Net Worth -144139 -144323
 Percentage Change .33% -.13%

What should I do for self-care?

Have a poem by a black, queer poet of the Harlem Renaissance. Happy Black History Month, y’all!

“I loved my friend
He went away from me
There’s nothing more to say
The poem ends,
Soft as it began-
I loved my friend.”
Langston Hughes  

Net Worth Week 45 – A Change is Gonna Come

Gentle Readers,
There was another week of net worth growth, but big changes are brewing. These changes will impact my money, my time, and my general happiness.
My wonderful girlfriend had a short period of unemployment before accepting a job very far away. It’s an exciting opportunity and will be a great chance to grow professionally, but it is also bittersweet. A change of scenery may be good for the spirit, but it also means that our hug quotient will go way down. She flies away next week.
Thankfully, my employment is flexible. I have not yet broached it with my agency, but I will request that they allow me to work remotely outside of the weekend to sometimes work from her new place while she is at her job. This will make visiting her monthly far more feasible. I have the approved computer for remote work. My bosses don’t supervise us, nor care that one person sleeps while “working.” This would allow me to continue pursuing their overtime goals and allow me to purchase cheaper airfare. They should say yes, but may balk. We’ll see.
With all of this, I also need to continue to work on my balance transfer from last summer, and pay it off before July.  Her move is why I have not yet made my appointment with an oral surgeon. I want to spend as much time with her and helping her as possible. Sometimes love includes dental pain.
I have a lot to learn to make this change work. I did not previously know that South West Airlines had such flexible tickets. I will be looking up travel hacking, and all sorts of other things to make sure that our love and support stay strong.
 .

This week’s net worth numbers

2/10/2017 2/17/2017
 Joy 1104 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 751 751
Bed  0.19 0.19
 Life 819  1608
 IRA 11536  11974
 Brokerage 679  688
 CC (largest) -4182 -4203
 CC (longest) 0  0
 Rewards Card -1120 -1682
SL 1 -103854 -103970
 SL 2 -45738 -45791
 Earnest -6109 -6122
 Net Worth -144610 -144139
 Percentage Change .40% .33%

What made a long-distance relationship work for you?  

Net Worth Week 44 – Best Week Yet

Gentle Readers,
My high credit score officially returned last week. It took a beating down from excellent to high-ish after I completed a balance transfer last summer. The balance transfer rate ends in July. I am doing a lot of OT right now, and part of the aim is to use those funds to knock it out before then.
I still have not made an appointment  with an oral surgeon.  There is not time right now, and my focus is elsewhere. I am going to try and sneak in a massage or reflexology. My body is terribly stressed right now.
My streak re-set to 2 week’s positive net worth growth! This is my closest to zero since I’ve kept track.

This week’s net worth numbers

2/3/2017 2/10/2017
 Joy 1103 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 7511 751
Bed  0.19 0.19
 Life 1356  819
 IRA 11459  11536
 Brokerage 674  679
 CC (largest) -4182 -4182
 CC (longest) 0  0
 Rewards Card -1530 -1120
SL 1 -103998 -103854
 SL 2 -45804 -45738
 Earnest -6562 -6109
 Net Worth -145201 -144610
 Percentage Change .33% .40%

Are you making plans for Valentine’s Day? Do you spend a standard amount?  

Net Worth Week 43 – Back on the Right Track

Gentle Readers,
I have not been able to make an appointment with an oral surgeon yet, and am going to hold off for a few weeks. Some big changes are happening and I need to focus my attentions elsewhere for the short-term.
My “new client” from last weekend never arrived. Cash-flow is always going to be interesting it seems.
My streak re-set to 1 week positive net worth growth.

This week’s net worth numbers

1/27/2017 2/3/2017
 Joy 1103 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 501 751
Bed  0.19 0.19
 Life 1501  1356
 IRA 11458  11459
 Brokerage 674 674
 CC (largest) -4209 -4182
 CC (longest) -10  0
 Rewards Card -2030 -1503
 SL 1 -103883 -103998
 SL 2 -45751 -45804
 Earnest -6546 -6562
 Net Worth -145688 -145201
 Percentage Change -.39% .33%

Any unexpected changes to your plans hit you lately? 

Goals 2017 – Accountability and Chutzpah!

Gentle Readers,

I am not typically into resolutions, but I think that financial ones could be helpful in focusing me and so I will try them this year. Last year at this time, I did not have this blog or the goals the blog has led me to pursuing. I was ignoring my money and figuring that student debt would constrain my choices for life.  That’s unpleasant to consider.

In April of 2016 I began this blog, and I was in debt to the tune of -$151,728. Focusing on my money had my debt diminish to -$146,049 by year end. That’s an increase of 3.74%. I had hoped to do better than that, but was not anticipating so many medical expenses. Explicit goals are said to be helpful. Let’s give it a go.

2017 Achievable Financial Goals for ZJ Thorne

  1. Pay myself from my business at least a nominal amount every month. If I get one client a month to cash-flow properly, I could pay myself $500/m before taxes.
  2. Finish contributing to my 2016 IRA ($1340 to go)
  3. Increase my Emergency Fund to $1000. ($691 to go)
  4. Pay off Credit Cards ($5785).
  5. Fully fund 2017 IRA ($5500 to go)

This is $13,316.  That is $256.07 a week or $1109 a month for all of these goals. I have until April 15 to finish contributing to my 2016 IRA. It and the emergency fund will be my first priority. Then I will shift to paying down my credit card. The 0% balance transfer ends in July. If I cease spending on my credit cards and pay them off in 6 months, that would be $964.17 monthly. Perhaps this is attainable. If July through December is dedicated to funding my 2017 IRA, that is $916.67 a month in contributions.

My current gig is scheduled to last until mid-February, and we are supposed to continue with unlimited overtime until then. It is possible they will extend beyond February. We won’t know for some time. Our industry shifts rapidly. It is not uncommon to be told at 2 pm that your gig ends that day. Staying gainfully employed is helpful to achieving these goals.

The big goals are even grander and dependent upon finding a gig utilizing the skill I’ve been mastering. If I do that, I can double my pay for some gigs. If I do that, my goals can become enormous depending on how long a gig at that rate could last. These goals are too big for one year, but they are in my mind. Luring me.

2017 Stretch Goals for ZJ Thorne

  1. Get my Emergency Fund up to $5000-$10000 ($4691-$9691 to go).
  2. Save up a down-payment of $15000-$30000 ($14981-$29981 to go).
  3. Spend $5000 on my brokerage account.
  4. Pay off the smaller student loan in a fell-swoop $45000.

What are your goals for 2017?

Net Worth Week 36 – Blustery Edition

12/2/16 12/9/16 12/16/16
Joy 1102 1102 1102
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 309
Business 1 1 1
Bed 0.29 0.29 0.29
Life 2617 445  636
IRA 10124 10988  10883
Brokerage 399 664  661
CC (largest) -4341 -4341  -4341
CC (longest) -98 0 0
Rewards Card -1683 -988  -510
SL 1 -103477 -103334  -103449
SL 2 -45566 -45501  -45553
Earnest -7364 -6915  -6927
Net Worth -147283 -146880  -146494
Percentage Change .29% .27% .26%

How are you staying warm if winter has come to your neck of the woods?

Net Worth Week 35 – You Better Work Edition

11/25/16 12/2/16 12/9/16
Joy 1102 1102 1102
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 309
Business 1 1 1
Bed 0.29 0.29 0.29
Life 1632 2617  445
IRA 10170 10124  10988
Brokerage 406 399  664
CC (largest) -4332 -4341  -4341
CC (longest) 0 -98 0
Rewards Card -1443 -1683  -988
SL 1 -103378 -103477  -103334
SL 2 -45521 -45566  -45501
Earnest -7351 -7364  -6915
Net Worth -147712 -147283  -146880
Percentage Change -1.12% .29% .27%

Have you ever had the option of Unlimited Overtime? How much would you work if you could?

Net Worth Week 34 – Overtime Edition

11/18/16 11/25/16 12/2/16
Joy 1102 1102 1102
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 309
Business 1 1 1
Bed 0.29 0.29 0.29
Life 2288 1632  2617
IRA 10004 10170  10124
Brokerage 400 406  399
CC (largest) -4370 -4332  -4341
CC (longest) 0 0 -98
Rewards Card -454 -1443  -1683
SL 1 -103247 -103378  -103477
SL 2 -45461 -45521  -45566
Earnest -7335 -7351  -7364
Net Worth -146069 -147712  -147283
Percentage Change .15% -1.12% .29%

How are your Decembers starting?

Net Worth Week 30 – Don’t Sleep on the Job

10/21/16 10/28/16 11/4/16
Joy 1101 1101 1102
Travel 323 323 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 1005 105 105
Business 1 1 1
Bed 0.29 0.29 0.29
Life 1942 2145  2256
IRA 10011 9917  9773
Brokerage 399 391  377
CC (largest) -4559 -4499  -4479
CC (longest) -62 0 0
Rewards Card -383 -647  -199
SL 1 -103044 -103159  -103275
SL 2 -45368 -45421  -45474
Earnest -7736 -7752  -7768
Net Worth -146000 -147122  -146887
Percentage Change .31% -.76% .15%

Have you picked out your Election Day outfit?

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?