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 76 – Grief Approaches Edition

Gentle Readers,
I went to the baby-shower, and was a good family-member. I  showed up, but then I got the call no one wants. A family member has a terminal illness. The outlook is dim. It is possible he could be the outlier who lives, but the odds are not high. Very not high.
This week has been heavy and so draining. It will get worse.
Next week, I will receive my first set of invisalign and begin adjusting my teeth, and I will try to get everything I can done for my business and my job in anticipation of my flight to visit my family member for potentially the last time.
Thankfully, I work by the hour in my gig. I told them I won’t be there and I don’t have to think about them when I am gone. I do have to think about ensuring I earn enough money. But that is a problem for future ZJ. Right now, I need to be near him.
This week I’ve turned to my friends, without betraying his desire for privacy. I ate in their homes and read bedtime stories to their kids. I told them of my pain and they listened. They show up for me. They provided food and a willing ear.

This week’s net worth numbers

9/15/2017 9/22/2017
 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 4107  4548
 IRA  13882  14213
 Brokerage 823  837
 Rewards Card 2 -6345 0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  -6270 (BT)
SL 1 -105619 -105734
SL 2 -46544 -46596
 Earnest -3154 -3160
 Net Worth -141352 -140664
 Percentage Change -1.14% .49%

How have you handled anticipated grief?

Net Worth Week 10 – Grief Edition

Gentle Reader,

My heart still aches for my LGBT Family in Orlando. I focused this week on time with other LGBT people and in LGBT spaces. I allowed myself to overspend on food to be near people I was grieving with. I knew I was doing it and it was the right thing for my heart. I’m also still operating from a much smaller than average paycheck. It will be a few more weeks of loss. Thankfully small.

I am so encouraged at how many allies and people not directly impacted this time are trying to make us safer. Thank you. I don’t know if you know how much succor it gives us. Only one of my many relatives has checked on me at all, and that is a good summation of what it is like to be a lesbian. We’ve never felt safe in this world, and this has made it worse, but the response of so many people who are taking this as a call to action is so encouraging. Thank you a million times.

My IRA and brokerage accounts took hits this week, in addition to missing a month’s worth of funding that I had previously planned.

I still love Earnest and credit them with my ability to conquer some of this debt.

Date 5/27/16 6/3/2016 6/10/2016 6/17/2016
Joy 1098 1098 1098  1098
Travel 322 322 323 323
Down Payment  18 19 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  2597 2597 2597 2597
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  2765 2344 1729  1839
IRA  8359 8378 8516  8285
Brokerage  222 224 226  221
CC (largest)  0 0 0 0
CC (longest)  0 0 0 0
Rewards Card  -3998 -4481 -5434  -5300
SL 1  -102245  -102360 -102120 -102268
SL 2  -45059  -45095 -44971 -45017
Earnest  -9696 -9247 -9258 -9286
-$145518 -$146101 -$147176 -$147390
  2.95% change -1.0% change -1.0% change  -1.0% change

Has tragedy ever drastically changed your spending patterns?