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 70 – Love in the South Edition

Gentle Readers,
Quick post from vacation. Keeping myself liquid because my business will most likely need cash from me soon. A big jump in CC was the first payment for invisalign.
Back to eating TexMex!

This week’s net worth numbers

8/4/2017 8/12/2017
 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 1818  1632
 IRA  13486  13267
 Brokerage 836  812
 Rewards Card 2 -2489 -2784
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  -438
SL 1 -105444 -105317
SL 2 -46464 -46406
 Earnest -4042 -3584
 Net Worth -139803 -140322
 Percentage Change .15% -.37%

How are your vacations going?

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 66 – It’s Hot in Here Edition

Gentle Readers,
My city is experiencing a heat wave, and I may need more bandelettes to continue the good fight against friction.
I’m a bit frustrated with my teeth. I take good care of them, but they cause me enormous bills. I’ve been in constant tooth pain since last summer when my final wisdom tooth came in. It came in such a way to alter the position of my other teeth. That process was painful. Unfortunately, the new position also means that my night-guard which prevents my TMJ from making my pain unbearable is no longer fitted to my teeth as they are. My dentist is aware, but told me that we can’t do anything until 7 + months after my wisdom tooth removal, because my jaw and teeth will still be settling. Then she wants me to do braces and force my teeth into healthier positions to ease some of the pain and tension. For now, I just wait in pain. Wearing the guard causes deep pain in all of my teeth, but not wearing it allows me to grind my teeth causing damage. It’s an expensive and painful position to be in.
I’m really enjoying my tutoring. I am definitely learning a ton, but it is eating in to my sleeping time so I’m extra tired. There will be three more weeks of this, and then I’ll reassess to see if I need to purchase some more. Or if my body can take more, we’ll see what wins out. My progress has definitely kicked up a notch.
Today I’m off work to attend a training for young professionals in my field. I won’t be paid for these hours, but I think I will be much more confident in my business. Definitely worth it.
In more happy news, a potential client contacted my business. He’s been a bit flaky before, but it would be nice to add to my client-base now that I cannot do overtime.
I’m happy to see my debt go down. This is the first time I’ve been under -$140000!

This week’s net worth numbers

7/7/2017 7/14/2017
 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 500  508
 IRA  13085  13304
 Brokerage 700  817
 Rewards Card 2 -2121 -1693
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105242 -105098
SL 2 -46372 -46306
 Earnest -4008 -4016
 Net Worth -140964 -139990
 Percentage Change .02% .69%

How are you handling your heat wave?

Net Worth Week 63 – “Stable” Employment Edition

Gentle Readers,
I’ve done a good job working through some of the giveaway piles and they should be gone before my girlfriend arrives. Gave the nicest thing to a friend and will be donating the rest to a nonprofit.
Work is being very sketchy with information. I think my project is ending, but they won’t say. This is par for the temp employment course, but is always frustrating because you are never sure that you should be looking for a new gig until you are out of another. This is why a resume needs to be up to date. As soon as you are told that employment ends in 2 hours (this is what they do to temps), you can email your recruiters the updated resume and let them start working for you.
I get tempted when the balance is this close to raid my bank to pay off the credit card in full, but I don’t know if I have paying work next week and that feels dangerous.
Had the last free class and signed up for the great deal on a tutor. I think really focused work is going to get me ready to charge for this skill.

This week’s net worth numbers

6/16/2017 6/23/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 476  1116
 IRA  13145  13106
 Brokerage 705  709
 Rewards Card 2 -2136 -2291
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card (98) CR  (98) CR
SL 1 -104890 -105011
 SL 2 -46210 -46266
 Earnest -4446 -4455
 Net Worth -140764 -140500
 Percentage Change .37% .19%

Do you feel that your employment is stable?

Net Worth Week 62

Gentle Readers,
My roommate has my box spring and my bed is finally normal size! This feels wonderful. I still need to deal with some items I’d like to donate, but my room is already much more comfortable.
It appears we have more than one week of work left, but the systems will be down all weekend. This means less OT than I’d like. This is also the second weekend in a row with extended system downtime. I assume the Russians are involved.
I’m really glad that I attended some PRIDE events even though my heart was not in it. It did me good to people with my people as I suspected. There were some good acknowledgements of the devastation of Pulse. Our community needs to support one another.  Some protections that had been put in place have been removed and we believe further removals are coming. The number of hate crimes against LGBT people has increased in the past year alarmingly. We were already the most likely to be targeted, and it got worse.
I have one more week of the free class before our teacher is gone for summer. I found a potential tutor for the summer who is also a really good deal. I need to see if I can actually give the tutor all the time they say I need before laying down the money. Since this skill will help my business, it can help my taxes, too. Having that LLC definitely changes how I spend money. I think this tutor and dedicated focus by me could finally get me over the edge and ready to charge for this skill.
Having dinner with a group of women in my profession tonight. We like to talk trade and support one another and just generally add to the conviviality. It should be lovely.

This week’s net worth numbers

6/9/2017 6/16/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 455  476
 IRA  13191  13145
 Brokerage 703  705
 Rewards Card 2 -2873 -2136
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card (106) CR  (98) CR
SL 1 -104780 -104890
 SL 2 -46161 -46210
 Earnest -4427 -4446
 Net Worth -141292 -140764
 Percentage Change -.15% .37%

Do you make a habit of truly knowing other professionals in your area?

Net Worth Week 60 – Fly to Love Edition

Gentle Readers,
My bed arrived!!! It has definitely improved my pain and my sleep situation. I got a good memorial day deal, but it still is a tiny setback on the path to FIRE. I think it was the right choice. Unfortunately, I bought a box spring I did not realize I did not need. My bed + frame is currently 34 inches high. It is ludicrous. When I return from visiting my love, my roommate will help me take it down and will see if she likes it under her futon mattress that is currently laying directly on the floor. If she does not like it, I’ll see who in my community needs one.

 

This was week 52 on the current gig. We were told it would last 6 months. Supposedly, we have 3 more weeks on this project. I am skeptical. I think it will last longer. I hope the ability to do OT lasts.  Especially now that I am so close to paying off my credit card debt.

Oh yeah, another credit card vanquished! I am down to one credit card!!!  If my gig lasts, I hope to vanquish this in the next 4-5 weeks.
And I am off to the airport and hopeful that the storms near her will break enough for me to land safely and quickly.

This week’s net worth numbers

5/26/2016 6/2/2017
 Joy 1106 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1003 1004
Life 1907  1809
 IRA  13106  13166
 Brokerage 698  703
 Rewards Card 2 -2034 -3215
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -1028  0
SL 1 -104808 -104924
 SL 2 -46174 -46226
 Earnest -4883 -4893
 Net Worth -140724 -141086
 Percentage Change -.25% -.26%

Have you ever packed more lipsticks than outfits?

Planning For a Graduate’s Future – Redux

Gentle Readers,

It is graduation season again, and another family member is finishing high school. This time the plan is to stay in the family home until college starts. I like to not play favorites with siblings, so I am getting her almost the exact same set of books that I got him last year. One small deviation to account for the differences in their characters.

I decided to stick with the perennial favorite, “The Millionaire Next Door.” She plans on a high-paying career, but I think the stealth wealth envisioned here could help her stay on course no matter what happens.

Her personality is very different from her brother and I think she’ll be best served by the framework in “The Money Book for the Young, Fabulous & Broke.” That will be on top of her present-stack.

I don’t think she would even read the one I was least sure of for her brother, so I did not buy her it. I don’t want to waste her bookshelf space. She plans on being pre-med. That shelf-space is precious.

She believes in deep thought, supposedly, and I got her the esoteric one, too, “Early Retirement Extreme.” I suspect she won’t touch this either.

The deviation for her was “Truth & Beauty: A Friendship.” I loved this biography and think that many women with deep but fraught friendships could benefit from seeing one displayed in all of its gory richness. Patchett is one of my favorite living authors and this was helpful and painful to read during a particular time in my life. I think this family member may understand my twenties better from reading this. Perhaps not. I hope that she navigates relationships in a far healthier way.

Unlike her brother, I think traditional education is the current best route for her. I think she will flourish in college in a way her brother never would. Maybe I’ll buy a textbook for her? Or leave that to her parents…

What do wish you had read at 18?

Net Worth Week 57 – One is Done Edition!

Gentle Readers,
This week has been a whirlwind. We sat for days at work waiting for our task to be available. Naturally, our supervisor did not communicate with us for two and a half days. So we sat. Thursday morning rolled around and we were told that unlimited OT was being “temporarily” suspended since work was not available. Sensible, but frustrating to my plans. A few hours later, not only do we have work, but we have multiple urgent projects. No word on OT until I had to ask my supervisor if the approval would be back since we have deadlines. This is the uncertainty of my job. We just never know what will happen.
I used my downtime at work to study and it feels like it’s paying off. I’m feeling very hopeful about my ability to get a gig in this new skill soon.
In wonderful news, I paid off the balance transfer ahead of schedule!!! No weird spike in interest rate on that bit of money. I’ve been throwing money at this particular sore-spot for weeks. In mid-April, I still had a balance of over $3000. This is one of the reasons I’ve been working my tail off in overtime. I wanted this gone and now it is!
My remaining credit card debt is $2571. Much better than the almost $6000 it was just a short while ago. I will continue working hard towards demolishing this debt. If my job can keep overtime available, it will be very useful for me. I am traveling next weekend, so my ability to work a ton will be diminished substantially.
This is my fourth week in a row of positive gains. I love that sort of trend!

This week’s net worth numbers

5/5/2016 5/12/2017
 Joy 1106 1106
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1003 1003
Life 1397  832
 IRA  12937  13002
 Brokerage 689  693
 Rewards Card 2 -1727 -1572
 CC (largest) -879  0
 CC (longest) 0  0
 Rewards Card -1150 -999
SL 1 -104721 -104577
 SL 2 -46134 -46068
 Earnest -5318 -4862
 Net Worth -142414 -141059
 Percentage Change .55 % .95%

Have you paid off something lately ?

Net Worth Week 53 – Maintenance Edition

Gentle Readers,
Monday I saw a play with a friend. Last night I had dinner with another friend. Today, I am meeting up with two different college friends. Neither of whom were planned before yesterday. I had brunch at my friends’ house last weekend and have plans with humans not my office for both days this weekend. I am doing a good job of maintaining friendships this month. It’s a lot though. I need to get some more things done. Always seeking balance.
I’ve had two different meetings with potential clients and another client may finally provide me with the final details so I can finish his case. My business will support itself for a few more months on this money.
I know I am behind on self-employment taxes and will pay the penalty, but I just couldn’t get to it by March 15th. I paid myself so little that I am hopeful that this learning experience will be worth the fee.

This week’s net worth numbers

4/7/2016 4/14/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1002 1002
Life 639  518
 IRA  12736  12645
 Brokerage 689  682
 Rewards Card 2 -585 -1138
 CC (largest) -3264  -3227
 CC (longest) 0  0
 Rewards Card -1331 -1231
SL 1 -104519 -104375
 SL 2 -46041 -45976
 Earnest -5274 -5285
 Net Worth -144460 -144811
 Percentage Change .07 % -.24%

Are you ready for tax day?