Net Worth Week 90 – End of the Year Edition

Gentle Readers,
I completed the first things my new client needs while also working enough overtime to get the first-level bonus. I’m a reasonable woman and did not attempt the second-level bonus because I need to sleep and feel human every day. I also gave my business another small loan. Please let it be the last.
The interview for the other government gig went really well, and I absolutely want the woman who interviewed me to be my supervisor. This will take some time because the clearance I have is not accepted by her agency.  She estimated it would take 6-8 weeks for them to process it. I emailed the forms on Thursday, so mid-February at the earliest.
In the meantime, it appears the high OT gig I’m on will continue. I confirmed with my brother who says that the plane tickets were $600. After a few weeks in this gig to replenish my accounts, I’ll get that money to him.
I received my “last” sets of trays for Invisalign. My regular dentist was on vacation, so I won’t know if she thinks I need a “correction” after these are done. I do know that I will need to shell out nearly $1000 for a new retainer/nightguard once this process is complete. My mouth and jaw have changed a ton, and I need to keep all the work in place. It has not stopped being strange to see my changed smile. I do look forward to being able to snack or eat without immediately flossing and brushing. My vanity and debt have stopped me from taking new passport photos. I’m hoping that I don’t need a correction and can take the photos/apply for a passport in the next 2 months. I need to fly overseas to meet my new family member.
Still no life insurance paperwork, if it does not arrive by the time I’m done dog-sitting, I’ll have to make some phone calls.
Christmas Eve with my favorite family definitely warmed my heart. Christmas dinner ended up just being my friend and her girlfriend because her niece was sick. Still delightful. Watching their love and comfort together deepen is heart-warming.

This week’s net worth numbers

12/22/2017 12/29/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1872 1633
IRA 16077  16384
 Brokerage  861  858
 Rewards Card 2 -4269  -4200
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5600 (BT)  -5600 (BT)
 SL 1 -105923  -106039
SL 2 -46683 -46736
Earnest -1831 -1835
 Repay brother  -600? -600
 Net Worth -144596 -144635
 Percentage Change -.77% -.03%

Are you doing anything to celebrate the New Year?

Net Worth Week 86 – Biding Time Edition

Gentle Readers,
I’m still in the hurry up and wait phase of estate management and pursuit of a gig. My second-phase interview was rescheduled for Monday instead of yesterday. These interviews in my employment world are largely ceremonial. Once they approve me, they’ll need to formally request me and send me to get an ID. Since this is a government gig through a temp agency and a subcontractor, it takes time to onboard. Last time, it took a month from first contact to working. Thankfully I had a gig during that time to hold me over then. My first contact regarding this gig was November 6th; Monday would be 4 weeks since then.  In the meantime, I am studying like a mad woman to make myself available for other types of gigs.
I’ve also used this time to do some administrative work for my own office and bedroom. Handling tasks that take time but little brainpower. I’ve kept my brainpower for my heart and reading novels. This was a wise choice.
My friends have been really wonderful. Lots of phone calls and time in person. People are wrapping me up in love and it’s great. Even so, it feels like November has been the longest month. So much has changed. So much has happened. Hopefully working again will make time feel a bit more normal soon.
 I have my first Rover gig tonight and I am excited. Especially since I did not originally realize that I get paid per animal. I’m earning double what I thought this weekend. The dogs are high energy, and that is fine with me. I get a chance to stay away from my roommates and play with animals while earning money. Wins all around. Hopefully this client and I get along enough to make this an ongoing gig.

This week’s net worth numbers

11/24/2017 12/1/2017
 Joy 1110 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 2471 2454
IRA 15966  16098
 Brokerage  858  858
 Rewards Card 2 -1587  -1966
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105899  -106014
SL 2 -46672 -46724
Earnest -2279 -2284
 Repay brother  -600? -600?
 Net Worth -141855 -142291
 Percentage Change -1.16.% -.31%

Have you used Rover before?

Net Worth Week 85 – Thanksgiving Edition

Gentle Readers,
I have not yet been formally offered a gig. That means I earned no money this week. That’s frustrating, but it acted as a form of bereavement leave.  It also gave me time to be on the phone figuring out estate management. I began much of the estate process. I am still unsure of a few things, but I’ve made big strides. This is mainly because he had little and I had the time beforehand to get an idea of where he had accounts.
Unfortunately, Earnest did not allow a month-long break on paying. Apparently that is only for people who have their student loans through them. The only option for a break is a 3 month break. I hope that won’t be necessary.
I changed some accounts around. The health account was subsumed into the EF. I now have a line-item for the plane tickets I need to repay my brother for. He hasn’t told me the particular amount, but he will eventually. We’ve agreed that I will repay it when it won’t hurt me financially. That is, after I have a gig for a few weeks. Or when the life insurance pays out.
I got to spend Thanksgiving with one of my favorite families. The food and friendship were restorative. I got to hear stories from her children. I got to have a glass of very fancy whisky to celebrate her husband’s promotion.  It was lovely.

This week’s net worth numbers

11/17/2017 11/24/2017
 Joy 1110 1110
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 11 57
 Business 5 5
Life 2855 2471
IRA 15827  15966
 Brokerage  851  858
 Rewards Card 2 -891  -1587
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105833  -105899
SL 2 -46642 -46672
Earnest -2277 -2279
 Repay brother -600?
 Net Worth -140224 -141855
 Percentage Change .31% -1.16%

How were your Thanksgivings?

 

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?

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 59

Gentle Readers,

I enjoyed the graduation party last weekend, but got stuck in the city due to mechanical issues in my plane. Thankfully, airport hotels are comfortable enough and my job is flexible. It will make it harder to get all the OT hours I intended this week, but the travel vouchers will come in handy.  Getting out of town was a definite mood boost. I need to plan for this more often now that my girlfriend lives far away.

I had a client in my office late on Thursday. Not yet sure if they’ll hire me, but good to meet new people.
I’m excited to check out the mattress deals in the suburbs this weekend. Hopefully I can find something that diminishes my pain that does not set me too far back financially, too.

This week’s net worth numbers

5/19/2016 5/26/2017
 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 1644  1907
 IRA  12883  13106
 Brokerage 685  698
 Rewards Card 2 -1474 -2034
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -918 -1028
SL 1 -104693 -104808
 SL 2 -46121 -46174
 Earnest -4872 -4883
 Net Worth -140374 -140724
 Percentage Change .49% -.25%

Do you have vacation plans lined up this summer?

Net Worth Week 54 – Dine With Friends Edition

Gentle Readers,
At long last, my client who insisted everything was urgent weeks ago, is coming in for final approval this weekend. Then my business can get paid!
I’m trying really hard to get a ton of overtime this week, while also planning on finally doing my Self-Employment taxes, which I am still intimidated by. I really want to pay off these credit cards and keep them paid off. My project is only scheduled for 8 more weeks, but could potentially last longer. I want to get myself into a really good position before the ability to do so much overtime goes away. Nearly $5K I’d like to pay off in the next eight weeks, and then I can re-focus on funding my IRA.
I did have a delightful text asking me to join a friend and his family for lunch in ten minutes on Thursday. I ignored my packed lunch and met them. This was the first time their son actually talked to me, too. It was wonderful. Dining with friends makes such a difference in my happiness levels. I would like to do this at least once a week. Lunch or happy hour or a walk or something.

This week’s net worth numbers

4/14/2016 4/21/2017
 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 518  1239
 IRA  12645  12768
 Brokerage 682  691
 Rewards Card 2 -1138 -1000
 CC (largest) -3227  -2761
 CC (longest) 0  0
 Rewards Card -1231 -1176
SL 1 -104375 -104490
 SL 2 -45976 -46029
 Earnest -5285 -5296
 Net Worth -144811 -143478
 Percentage Change -.24 % .92%

Have you ever ditched your packed lunch for camaraderie?

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?

Net Worth Week 50 – It Might As Well Be Spring

Gentle Readers,
So sleepy this week. I’ve been working hard in my own business and getting OT at the gig. I’m trying to get more than ten hours of OT this week especially since I will miss a day each in the next two weeks because I get to see my girlfriend in person for the first time since she moved! All of the happy dancing!
I had a free appointment to see if I am a candidate for a cheaper version of invisalign. My dentist wants me to wait at least six months after my wisdom tooth extraction regardless, but I wanted to collect the data. I don’t fully understand why this version is significantly cheaper than traditional invisalign. I am waiting to hear from my friends to hear about their experience of this company. To be continued.
My company is stonewalling me about the W2 and I’m still waiting for a K-1 from an investment. Sigh.
I’m getting more and more excited about my skill-building classes. My progress feels like it is tipping over into the exponential realm

This week’s net worth numbers

3/17/2017 3/24/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 11 11
Business 1002 1002
Life 342 994
 IRA  12812  12693
 Brokerage 694  684
 Rewards Card 2 0 -301
 CC (largest) -3500  -3500
 CC (longest) 0  0
 Rewards Card -1252 -1302
SL 1 -104172 -104288
 SL 2 -45883 -45936
 Earnest -5704 -5716
 Net Worth -144174 -144183
 Percentage Change .46% -.01%

How has Spring Sprung in your neck of the woods? We’re in a cold front and anticipating.

  

Net Worth Week 49 – Stella Edition

Gentle Readers,
My new suit is still being fixed at the dry cleaner, I’ll write a post about this drawn out process soon.
I began talking to my friends about local orthodontist and invisalign costs and timelines. My crooked teeth are causing more pain and I need to use my money to lessen that.
Still couldn’t finish my taxes, because my W2 is wrong, again. This company was wrong last year, too. Same damn issue. Same nonsense of telling me that they aren’t wrong. If they don’t fix it by Monday, I’m reporting them to the IRS. Tired of their bullshit.
It was a busy week with Winter Storm Stella and my skill-building class, but I am feeling more and more confident in my abilities.
I see her in two weeks and I’m so excited!

This week’s net worth numbers

3/10/2017 3/17/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 11 11
Business 1002 1002
Life 622 342
 IRA  12568  12812
 Brokerage 688  694
 Rewards Card 2 0 0
 CC (largest) -3999  -3500
 CC (longest) 0  0
 Rewards Card -1629 -1252
SL 1 -104057 -104172
 SL 2 -45831 -45883
 Earnest -5692 -5704
 Net Worth -144841 -144174
 Percentage Change -.70%  .46%

Were you impacted by Stella?