Net Worth Week 46 – She’s Gone Edition

Gentle Readers,
I took my girlfriend to the airport this morning and called in “sick” to work. I believe mental health counts for a sick day, and that it is a stupid system that tells me I can only use the time-off I’ve earned in one particular way.
My best friend is meeting me after work. I am meeting my other best friend’s new puppy this weekend. I’ve got some client work to do and also am not trying to get any OT this week, in part because the holiday pay calculation means that I would have to physically work 40 hours plus 1 in order to get the time-and-a-half pay-rate. Not today, Satan.
 Time to do the errands I’ve been putting off while focusing on her move: trip to the tailor,  oral surgeon,  preparing taxes so that I can understand how to do my schedule c/k? properly, grocery store, skill-building.
My net worth took a slight dip this week, which is attributable to my getting a hotel for her last night in our city. Absolutely worth it.

This week’s net worth numbers

2/17/2017 2/24/2017
 Joy 1104 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 751 751
Bed  0.19 0.19
 Life 1608  1622
 IRA 11974  12163
 Brokerage 688  693
 CC (largest) -4203 -4215
 CC (longest) 0  0
 Rewards Card -1682 -1909
SL 1 -103970 -104085
 SL 2 -45738 -45844
 Earnest -6122 -6133
 Net Worth -144139 -144323
 Percentage Change .33% -.13%

What should I do for self-care?

Have a poem by a black, queer poet of the Harlem Renaissance. Happy Black History Month, y’all!

“I loved my friend
He went away from me
There’s nothing more to say
The poem ends,
Soft as it began-
I loved my friend.”
Langston Hughes  

Net Worth Week 45 – A Change is Gonna Come

Gentle Readers,
There was another week of net worth growth, but big changes are brewing. These changes will impact my money, my time, and my general happiness.
My wonderful girlfriend had a short period of unemployment before accepting a job very far away. It’s an exciting opportunity and will be a great chance to grow professionally, but it is also bittersweet. A change of scenery may be good for the spirit, but it also means that our hug quotient will go way down. She flies away next week.
Thankfully, my employment is flexible. I have not yet broached it with my agency, but I will request that they allow me to work remotely outside of the weekend to sometimes work from her new place while she is at her job. This will make visiting her monthly far more feasible. I have the approved computer for remote work. My bosses don’t supervise us, nor care that one person sleeps while “working.” This would allow me to continue pursuing their overtime goals and allow me to purchase cheaper airfare. They should say yes, but may balk. We’ll see.
With all of this, I also need to continue to work on my balance transfer from last summer, and pay it off before July.  Her move is why I have not yet made my appointment with an oral surgeon. I want to spend as much time with her and helping her as possible. Sometimes love includes dental pain.
I have a lot to learn to make this change work. I did not previously know that South West Airlines had such flexible tickets. I will be looking up travel hacking, and all sorts of other things to make sure that our love and support stay strong.
 .

This week’s net worth numbers

2/10/2017 2/17/2017
 Joy 1104 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 751 751
Bed  0.19 0.19
 Life 819  1608
 IRA 11536  11974
 Brokerage 679  688
 CC (largest) -4182 -4203
 CC (longest) 0  0
 Rewards Card -1120 -1682
SL 1 -103854 -103970
 SL 2 -45738 -45791
 Earnest -6109 -6122
 Net Worth -144610 -144139
 Percentage Change .40% .33%

What made a long-distance relationship work for you?  

Net Worth Week 44 – Best Week Yet

Gentle Readers,
My high credit score officially returned last week. It took a beating down from excellent to high-ish after I completed a balance transfer last summer. The balance transfer rate ends in July. I am doing a lot of OT right now, and part of the aim is to use those funds to knock it out before then.
I still have not made an appointment  with an oral surgeon.  There is not time right now, and my focus is elsewhere. I am going to try and sneak in a massage or reflexology. My body is terribly stressed right now.
My streak re-set to 2 week’s positive net worth growth! This is my closest to zero since I’ve kept track.

This week’s net worth numbers

2/3/2017 2/10/2017
 Joy 1103 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 7511 751
Bed  0.19 0.19
 Life 1356  819
 IRA 11459  11536
 Brokerage 674  679
 CC (largest) -4182 -4182
 CC (longest) 0  0
 Rewards Card -1530 -1120
SL 1 -103998 -103854
 SL 2 -45804 -45738
 Earnest -6562 -6109
 Net Worth -145201 -144610
 Percentage Change .33% .40%

Are you making plans for Valentine’s Day? Do you spend a standard amount?  

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?