Net Worth Week 41 – Washington Changes Edition

This change is hard. The new man openly talks about assaulting women. It’s a lot to take in. But I must keep trying to be the change I wish to see in the world. I can do that best from a place of financial wellness. This is my eighth week in a row of net worth increase. It’s a good start.
1/13/17 1/20/17
Joy 1103 1103
Travel 324 324
Down Payment 19 19
Retirement 21 21
Health 45 45
Moving 284 284
EF 310 310
Business 501 501
Bed 0.29 0.29
Life 1128  1716
IRA 11075 11020
Brokerage 666  663
CC (largest) -4210 -4265
CC (longest) 0 0
Rewards Card -999 -1365
SL 1 -103652 -103767
SL 2 -45646 -45698
Earnest -6519 -6532
Net Worth -145550 -145120  
Percentage Change .22% .29%

How are you handling the changes? I’ll be volunteering this weekend.

Net Worth Week 40 – Birthday Edition

This is now a 7 week streak of my net worth improving!
12/30/16 1/6/17 1/13/17
Joy 1102 1103 1103
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 310 310
Business 501 501 501
Bed 0.29 0.29 0.29
Life 1889 1422  1128
IRA 10879 11055  11075
Brokerage 658 669  666
CC (largest) -4251 -4210  -4210
CC (longest) 0 0 0
Rewards Card -1534 -1406  -999
SL 1 -103680 -103795  -103652
SL 2 -45659 -45711  -45646
Earnest -6956 -6507  -6519
Net Worth -146049 -145876  -145550
Percentage Change .13% .12% .22%

How do you like to celebrate your birthday?

Net Worth Week 39

12/23/16 12/30/16 1/6/17
Joy 1102 1102 1103
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 310
Business 1 501 501
Bed 0.29 0.29 0.29
Life 1912 1889  1422
IRA 10718 10879  11055
Brokerage 661 658  669
CC (largest) -4256 -4251  -4210
CC (longest) 0 0 0
Rewards Card -1274 -1534  -1406
SL 1 -103565 -103680  -103795
SL 2 -45606 -45659  -45711
Earnest -6942 -6956  -6507
Net Worth -146246 -146o49  -145876
Percentage Change .16% .13% .12%

Have you ever fired a client over ethics?

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 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?

Expensive Shoes Can Be A Frugal Investment

Gentle Readers,

I love shoes.  As a lesbian who refuses to allow fashion to hurt me, I have some problems finding appropriate shoes for my professional work environment that follow my personal aesthetic. This problem is compounded by my walker’s lifestyle.

I am on a mission to have 5 pair of amazing shoes that I can wear for work and play. I want one pair per day of the work week.  Dressing in a manner I like is important to me. I perform my gender, and my shoes are a huge part of that. I also know that good shoes need a day or two to breath between wearings to extend their life. I am at 3 pair of amazing shoes. I’m on the lookout for 2 more.

I buy (or am gifted) expensive shoes because I prefer quality construction that is meant to last. I want shoes that I will be wearing for decades. I want shoes that do not harm my feet. Not all expensive shoes are expensive because they are good. You must be careful. I focus on quality construction and classic styles. I don’t trust brands.

You’ll notice that I do not wear heels, but I like a fancy look as I am a fancy lady. Finding shoes that work well with dresses at fancy events is a mean-feat if you ignore heels, but it is doable.

I have a further problem in that I have smallish feet. I adore men’s dress shoes, but most do not come in my size. I’m excited about Tomboy Toes, but I cannot personally recommend them yet as I have not worn any. If I hadn’t had work shenanigans impacting my finances, maybe I would have tried them this summer. Sigh.

These shoes, the Lita, from BedStu are my go-tos. I have them in a color they no longer sell. But they have been my main-stays for two years. I paid nearly $200 for them, and get them re-soled every year for ~$60. Absolutely worth it. I can walk in them day after day and never have foot pain from them. Most women can tell you how incredible that is.

I also appreciate Fleuvog’s Tuxedo Flats. Unfortunately, they are not available any more, but these are close.  They are beautiful and narrow. Perfect for fancier events, and do not cause me pain from standing. Sadly, they do not include much by way of arch support so they can not be for daily wear. My feet just won’t allow it.

These are the most beautiful shoes I own. I feel like I can take down any enemy when I wear them. I wear them like armor. I wear them when I anticipate a client is going to be tough. I still need to take them to the cobbler to stretch the toe-box a tiny-bit, but holy cow are they beautiful!

A good cobbler will lengthen the life of your shoes by many years. Especially if you are like me and do not drive, but walk and use public transportation for all your needs. My shoes and feet need this pampering so that they will both last me many decades. Men can expect this in their dress shoes, and I think all genders should be allowed this non-luxury.

Where do you find your professional shoes?  

 

 

 

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.