Net Worth Week 75 – Babies R Us Edition


Gentle Readers,
It is almost time to pack my bag to head to the baby-shower I dread. But, my rule as a human is to show up whenever possible. Even if the family member is a schmuck. Definitely for a baby-shower, especially if the family member is a schmuck since the baby needs examples of how to be good when people are unkind.
I have now paid for nearly half of my invisalign and should receive my first trays in the next 1.5 weeks. It’s going to be more painful in the short-term, but will hopefully correct some of my TMJ. My wallet is not pleased. Since I am worried about cash-flow for myself and my business, I’ve initiated a balance transfer to give me breathing space to deal with the preliminary invisalign costs.  I will have until August 2018 to pay it off. It was approved, but has not yet shown up in the statement.
My student loan payments increase in October because I am on IBR and my income last year was higher than the year before, and I now have a monthly recurring payment for the remainder of my invisalign treatment. The last payment for invisalign corresponds closely with my last Earnest payment. It’s going to be a tight few months.
My dentist was surprised that my treatment plan is for five months. She had envisioned it closer to nine months. With her payment plan, patients pay roughly half upfront and then the remainder in equal monthly payments for the duration of treatment. If my invisalign needed longer to correct my teeth, I would have less of a cash-flow worry in the next few months. At the end of the treatment, I’ll need to pay for a new night guard to match my new smile. Unless my TMJ is entirely corrected, which is not the anticipated result

This week’s net worth numbers

9/8/2017 9/15/2017
 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 3282  4107
 IRA  13555  13882
 Brokerage 825  823
 Rewards Card 2 -3781 -6345
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105503 -105619
SL 2 -46491 -46544
 Earnest -3147 -3154
 Net Worth -139762 -141352
 Percentage Change .24% -1.14%

How much have you spent at the dentist this year?

Net Worth Week 22

8/19/16 8/26/16 9/2/16 9/9/16
Joy 1100 1100 1100
Travel 323 323 323
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 31 31 183
EF 2003 1004 1004
Business 1 1 1
Bed 0.29 0.29 0.29
Life 2127 1775  747
IRA 10058 10118  10186
Brokerage 401 402  403
CC (largest) -4791 -4755  -4699
CC (longest) -437 0 0
Rewards Card -1022 -644  0
SL 1 -102719 -102835  -102594
SL 2 -45220 -45273  -45163
Earnest -8540 -8094  -8109
Net Worth -146599.71 -146761.71  -146532
Percentage Change -0.37% -0.11%  .15%

Have you had to reduce debt payment in order to save for a possibility?

Net Worth Week 17

Gentle Readers,

This week was so busy, but there has been steady progress on many fronts. I did an all day training on Wednesday that will help my business both by what I learned and by whom I met and networked with. This was really excellent and gave my heart quite a boost. It definitely impacted my work week though. I got 37.5 hours in four days. I’m tired. I have an all day volunteer session on Saturday, too.

I tried reflexology as part of my attempts to get a handle on my pain, and there has been improvement and the hope for much more. I’m holding off on any pain management this weekend because it will just be too difficult to fit it in due to an all day volunteer engagement. I don’t want my pain relief to stress me out.

I still love Earnest and credit them with my ability to conquer some of this debt.

Date 7/15/16 7/22/2016 7/29/2016 8/5/2016
Joy 1099 1099 1099  1100
Travel 323 323 323  323
Down Payment  19 19 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  2002 2002 2002 2003
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  746 897 1796  1444
IRA  9894 9908 9920  9984
Brokerage  335 337 407  409
CC (largest)  0 -4791 -4791  -4791
CC (longest)  0 -529 -1095  -273
Rewards Card  -4862 0 0  0
SL 1  -102374  -102489 -102604 -102713
SL 2  -45062  -45115 -45168 -45217
Earnest  -8897 -8915 -8934 -8486
-$146678 -$147156 -$146927 -$146099
  .22% change -.32% change .15% change  .56% change

How is your August starting out?