Net Worth Week 97 – Vegas Edition

Gentle Readers,
I’m in Vegas for a conference. Short update.
Learning a lot. Networking a lot. Hoping I have a gig when I get home. Received the death certificate, which means I can request that life insurance be paid out soon!

This week’s net worth numbers

2/9/2018 2/16/2018
 Joy 1113 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 287  287
 EF 57  57
Business 5  5
Life 2140  2140
IRA 15841  16485
Brokerage 812  852
Rewards Card 2 -5727  -6023
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -105857  -105973
SL 2 -46653  -46705
Earnest -920  -922
 Net Worth -143861  -143643
Percentage Change -.65%  .15%

What city has conferences in your industry that you like visiting ?

Net Worth Week 96 – Single Edition

Gentle Readers,
My gig ended Monday and I have not yet found a replacement for the time before the good government gig begins. Thankfully, I have business work to attend to and have been able to accomplish some things in my own office during the interim. It’s officially been 6 weeks since the government began processing my paperwork for the good gig. The person who would be my supervisor told me it would likely take 6-8 weeks. I’m hoping I hear soon.  Then I can relax and stop applying for gigs.
My business’ reputation continues to grow, which is very satisfying. Slow and steady.
I dog-sit again this weekend, but in a much more convenient location. I prefer the shorter dog-sitting stays because I don’t have to worry about having enough professional clothes with me.
The combination of barely earning money this week and the stock market correction definitely impacted my numbers. The ride just got noticeably more bumpy.
There’s been progress on the estate. I’ve been told that the death certificate is now signed, but I have not received the copies I’ve paid for yet. So I can still do nothing.
I got my next Invisalign trays. 14 more this round. I guess I can be financially grateful that I will have the next 3 months to pay down what I’ve spent on invisalign before having to shell out for whatever night-guard retainer we decide is best for my TMJ going forward.  Sadly, we couldn’t do the semi-annual appointment and I’ll need to go back in for the cleaning, but I’m going to wait to see what gig I get next, because that will impact my ability to get to the dentist.
 My relationship officially ended last weekend. True to my plan for myself, I am going to as many LGBT events as I can. Surrounding myself in community and making more friends. I had my last soccer game of this season. I’m planning on switching to the team I subbed for. They were a more natural fit for me.

This week’s net worth numbers

2/2/2018 2/9/2018
 Joy 1113 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 287  287
 EF 57  57
Business 5  5
Life 2040  2140
IRA 17036  15841
Brokerage 884  812
Rewards Card 2 -5040  -5727
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -106179  -105857
SL 2 -46799  -46653
Earnest -1384  -920
 Net Worth -142939  -143861
Percentage Change -.63%  -.65%

What do you do to handle a breakup?

Net Worth Week 93

Gentle Readers,
The gig has gone even more ridiculously this week. They let us know on midday Wednesday that for the next three days they’d like us to work even more and that they’ll base their culling decisions on h0w much we work. It’s been exhausting, especially because the systems naturally did not cooperate.
I made it back to the free cabaret and played soccer. My deskmate asked why I was not putting in 15 hour days and then bemoaned that I’m “probably making healthier choices” than them. Yes. Yes, I am.
No advances on the estate paperwork.
I received a present from my girlfriend and her mom. A delicious King Cake. This may signify nothing, or is just a nice thing to do, or maybe I should let hope grow. Outlook unclear. So I’m just going to keep focusing on the things I’m doing to make my life great.
A friend from grad school contacted me at midnight and set me up with tickets to a great networking and learning event. I’ll have to miss four days of work, but, per above, it is not clear that I’ll have the gig by the end of next week anyway. I chose advancing my career. I think it was the right choice.
The numbers look slightly better than they are because my brother has not cashed the check I gave him yet. But I like the trend.

This week’s net worth numbers

1/12/2017 1/19/2018
 Joy 1112 1112
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1479  2128
IRA 16837  16960
 Brokerage  877  896
 Rewards Card 2 -4469  -4114
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5400 (BT)  -5000 (BT)
 SL 1 -105832  -105948
SL 2 -46641 -46694
Earnest -1375 -1378
 Repay brother  0! 0!
 Net Worth -143023 -141649
 Percentage Change .16% .96%

Have you ever worked at a job with so much downtime?

Net Worth Week 91 – New Year Edition

Gentle Readers,
I learned on pay day last week that the bonus I earned takes an extra week to pay out. Very strange. There was some progress with the government gig. I’ll be fingerprinted next week. That likely won’t make the progress go faster, but I am glad to see forward motion. It’s good for the heart.
The dog-sitting is at an end for now. Thankfully. I prefer my own bed and access to all of my shoes.  It’s lucrative and gives me a break from my roommates, but definitely has some drawbacks, too. Wearing the same clothes repeatedly, on rotation, gets old. I like my wardrobe.
It’s still really nice to be working again. I know I’ve been at it for a little bit now, but it is so much easier to handle grief and stress when you have something to distract you for part of your days. And I appreciate the impact on my finances, obviously.
Still no life insurance paperwork nor the death certificates I ordered. I’ll have to make some phone calls. But first, I need to do something for a client on Saturday morning before going to my gig. I am working a large amount of overtime right now to try to get myself on more solid footing. Fear not, I am not allowing it to prevent me from seeing friends though. I accept every invite and seek out plans, when possible. This excessive work is short term, and useful, but I do look forward to a more reasonable pace soon.
Thankfully, I got to see a bunch of friends for New Year’s Eve and Day. I got hugs and support and food. And just time and some joy with good people. They encouraged me where I needed it and commiserated where appropriate. I’ve also done a lot of journal writing this week. When I make time for it, I find it to be a very useful activity. The written word can sometimes reveal more of the heart than long talks with people you love. Regardless of the outcome my girlfriend and I decide upon, we both have some important growth to do. For ourselves. Maybe together.

This week’s net worth numbers

12/29/2017 1/5/2018
 Joy 1111 1112
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1633  2719
IRA 16384  16639
 Brokerage  858  866
 Rewards Card 2 -4200  -4200
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5600 (BT)  -5400 (BT)
 SL 1 -106039  -106154
SL 2 -46736 -46788
Earnest -1835 -1839
 Repay brother  -600 -600
 Net Worth -144635 -143256
 Percentage Change -.03% .95%

What sort of side-hustle do you engage in that tricks you into forgetting  how annoying it can be? Putting my life on a dog’s schedule is not pleasant. Other people’s homes can have weird sounds at night.

Net Worth Week 74 – Fall is Coming Edition


Gentle Readers,
With more hurricanes impacting the US South and the Caribbean and earthquakes in Mexico, I’m still supporting Portlight Inclusive Disaster Strategies. I may add in Doctors Without Borders.
Another week of waiting for my invisalign, and my teeth are unhappy. The nightguard I have has not been appropriate for my mouth’s current configuration for over a year. It’s taking a toll.
Happily, the great press has resulted in one new scheduled client meeting. I don’t yet know if they will hire me, but this is a good first step. I would feel a lot better about my business’ balance sheet if I had one or two new clients. Lastly, my business finally has a Facebook page. Enough people have tried to connect with my personal page that it seemed like a page could be a good idea. No cost and low effort may pay off. I did not have a page previously because my mentor didn’t. I also had followed her advice about websites for our niche, but people who contacted my office wanted one. Responding to your market matters.

This week’s net worth numbers

9/1/2017 9/8/2017
 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 3431  3282
 IRA  13495  13555
 Brokerage 825  825
 Rewards Card 2 -3531 -3781
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105647 -105503
SL 2 -46557 -46491
 Earnest -3606 -3147
 Net Worth -140092 -139762
 Percentage Change .42% .24%

How are you supporting after the latest disasters?

Net Worth Week 72 – Keep on Building Edition

Gentle Readers,
My interview happened and was published today! It’s still unreal and wonderful. The author did not expect such a fast turn-around either. She confused one of the minor details, which is important to remember when I read the news. This woman was meticulous and recorded our conversation and asked follow ups, but still misunderstood something.
My panel won’t be for many months, but I have done a tiny bit of the preparation. Small bites makes it less intimidating. Both of these things make me feel that the momentum is finally on my side.
I met with a more experienced woman in my profession this week and got a lot of great advice and camaraderie. It seems that she has sufficient interest in mentoring me. I can relieve some of her overflow work so she can focus on the more lucrative tasks. I get a little money and a little supervision. She gets annoying tasks off her desk. I think we both win here. I look forward to growing this relationship. She was warm and kind and very good at her job.
My business was also nominated for a small local award! It’s been quite a week. Even being nominated is a good sign for my reputation.
I’m still waiting for my invisalign and that next $2000 payment. My teeth are definitely ready. The pain is constant.

This week’s net worth numbers

8/18/2017 8/25/2017
 Joy 1108 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1005 5
Life 2722  2961
 IRA  13236  13341
 Brokerage 809  814
 Rewards Card 2 -3123 -3283
 CC (largest) 0  0
 CC (longest) -47  0
 Rewards Card -438  -388
SL 1 -105416 -105531
SL 2 -46451 -46501
 Earnest -3591 -3598
 Net Worth -139803 -140689
 Percentage Change .37% -.63%

Do you feel like you are the right side of momentum? 

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 69 – Spinning Round Edition

Gentle Readers,
My tutoring sessions continue to improve my skills greatly. Every day I am more excited about the possibilities on the horizon.
Knowing that I will pay out of pocket for Invisalign the same month that my business has many bills due has been stressful. I think I will have to return the money my business “paid” me back to my operating account. Unless a new client comes in ready to hire me very soon. One current client contacted me yesterday for a tiny bit of work that will help enormously, but not cover everything I have going out this month. I should be able to do everything he needs this weekend.
I am grateful that I have this blog, because it taught me how simple a balance transfer is; it also reminds me that the last time I took this step it was because of dental pain, as well. C’est la vie.  My credit score is good and I have no plans in the next six months to take out a loan of any sort. Knowing that I have significantly higher outlays than projected income in the next two months, my plan is to hold off on paying down my credit card so that I have the funds available for my business, if necessary. Once the first big payment is due for my Invisalign, I’ll put it on my credit card and then initiate a balance transfer. That will buy me many months of no interest for the fee of a 2% balance transfer. This is much cheaper than letting it sit on a credit card with an APR over 10%.  It’s not the greatest situation, but I know better how to use the tools available.
Next week may not have a net worth check in because I will be in Texas visiting my love! I cannot lie, I have been dreaming about TexMex.

This week’s net worth numbers

7/28/2017 8/4/2017
 Joy 1107 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1004 1005
Life 1499  1818
 IRA  13481  13486
 Brokerage 809  836
 Rewards Card 2 -2406 -2489
 CC (largest) -114  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105329 -105444
SL 2 -46411 -46464
 Earnest -4033 -4042
 Net Worth -140010 -139803
 Percentage Change -.46% .15%

How often have you felt the phrase “One step forward and two steps back” in your financial life?

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?