Net Worth Week 88 – A Bit of Work

Gentle Readers,
I’ve worked half a week! It’s been nice to use my brain. It seems like the gig will end very early this morning so I am trying to get in to get what few hours may be available.
Everything else is just the same. Waiting on paperwork for my dad’s estate. Running around to play soccer. Waiting for the government to start the well-paying gig. Hoping that I have enough to get by until that happens. I did get to re-schedule my physical that I had to miss when I was out of state for my dad, and am happy to report that all of my vitals are good. And, my doctor does not think we need to consider me as higher risk for cancer even though he is immediate family; his cancer mainly impacts men and those with very different lifestyles from mine.
I did significant things to improve my business this week and will likely sign a new client this weekend. That’s a relief! I still think I’ll have to give my business another loan, but it can be smaller.
Unsurprisingly, my mental health is definitely improved by having work to do. A little less money stress. An enforced early wake-up time. Less time to hyper-focus on my feelings that shift rapidly still. As I write this, I’m frustrated and angry with my girlfriend. Two days ago, I had a hard time resisting contacting her to tell her how wonderful my day was. These phases are natural. Whether we stay together or break up, they all make sense. All of the emotions are valid. The things I’m angry about I was upset about throughout our relationship. My wanting to share joy with her is the same. All of this can change, but for now, I just have to accept that my emotions are going to stay in a flux position for awhile.
I’m now more than halfway done with Invisalign. After that first week, I’m really glad I stuck with it. Significant pain reduction. I’m looking forward to eating whatever I want again, as well.

This week’s net worth numbers

12/8/2017 12/15/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1903 1481
IRA 16027  16064
 Brokerage  867  863
 Rewards Card 2 -2702  -2947
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105692  -105791
SL 2 -46577 -46623
Earnest -2284 -1827
 Repay brother  -600? -600?
 Net Worth -143176 -143493
 Percentage Change -.62% -.22%

Do you think the federal government will shut down or that I will start the good gig before Christmas?

My Current Situation

Gentle Reader,

I am in debt. I do not wish to be. I wish to be able to retire early and only do the type of work that makes me feel better about the world. This blog is a personal attempt to document improving my financial situation while trying to improve the world.

I began life poor. I am now fortunate to be a professional in a city away from my former poverty. Jumping classes means that I look around and see a world I do not know. I am still learning how to navigate and master this new world.

This blog will document my journey to financial freedom, but it is also a place for me to share my plans to make the world more decent and fair. Largely, this will involve my being more decent and fair. A place for me to grow.
Every great journey must have an origin story, and your heroine, ZJ Thorne, has one ready for you.
In the past few weeks, a friend, Mabel, suggested that I buy her coop. I ran the numbers, and realized that even if I wanted her coop, I could not afford it. However, running the numbers made me realize how much I want out of my current living situation. Mabel inspired me to get serious.
Thankfully, my journey is not just my own. I have the pleasure of being in a relationship with The Beautiful One, TBO. She is not at a place where our relationship involves co-habitating, and thus, I decided that I need to focus on getting my financial house in order so that I can buy my way out of living with my PAR, passive-aggressive roommate, in the next year, if possible.
My professional life sees me as a W2 employee who bounces between gigs and the owner of a small business in a niche in the same field. My income varies greatly and feels impossible to predict, which has added that extra kink into planning.
My personal life is that of a young lesbian in a serious relationship with TBO in a major US city.
My hope is to conquer my personal and educational debt and achieve enough passive income to only accept the type of work that brings me joy.
My hope is to live in a place where I share the bathroom with noone I am not in love with.
My hope is to continue growing as a human and to encourage deep thinking about the world, and then seeking to change what can be changed.
My hope is to share that journey with you.
Inspired by J. Money,  I will share my net worth on a regular basis. The situation is dire, my net worth is negative $150,000. A very large, very negative number.
Date 3/28/2016 4/1/2016 4/8/2016 4/15/2016
Joy 1097 1097 1097
Travel 752 322 322
Down Payment 284 18 18
retirement 221 21 21
health 45 45 45
Moving 31 31 31
EF 9 9 9
Business 1 1 1
Bed 0.29 0.29 0.29
Life 471 1066 907
IRA 6928 6885 7026
Brokerage 220 217 221
CC (largest) -11883.98 -983 0
CC (longest) -567.28 0 0
Rewards Card -2762 -2850 -3000
SL 1 -101791 -101892
SL 2 -44970 -45001
Earnest -10000 -10009 -10036
–$151,164.31 -151728 -150890.71 -150230.71
-1.0% change -1.0% change .99% change .99% change
So this is where I begin my journey. Thank you for joining me on it.
I’d love to hear how your Financial Freedom is going.