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 58 – Graduation Edition

Gentle Readers,

My gig continues to be managed very poorly. Once the supervisor who hated this project got a new job, it has gone downhill faster and faster. They promise there is a ton of work to do, but they are not staying enough ahead of us, me really, to ensure that there is work available when necessary. It’s frustrating. I sit at my desk waiting for work. At least I get paid when I wait. Their mismanagement messes up my ability to get overtime as planned.  Nothing is promised and I have to keep remembering that. Thankfully, I am still doing well.

A coworker I like on another project let me know about some job postings within our field but a level up. He found the pay rate and what skills we would need to show in order to qualify for it. I appreciate that he looks out for us.

I am off to my family member’s graduation party this weekend. It is important to show up for significant milestones. I’ll also get a chance to have a girl’s day with my best friend from middle school. Since she has children, I am letting her pick what we do. She gets less downtime than me. If she wants us to hang with her family or if she needs away time, I’m happy. I love her family, and I will do my part to contribute to its happiness.
My TMJ is acting up. I’m trying to do a better job taking care of this pain, but stress triggers it.
The markets were rocky this week. I wonder what they’ll have in store for us with all of the ridiculous goings-on in our Administration. My IRA is down, but my net worth is up. I’m heading in the right direction. This is the fourth week with a positive change in my net worth!

This week’s net worth numbers

5/12/2016 5/19/2017
 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 832  1644
 IRA  13002  12883
 Brokerage 693  685
 Rewards Card 2 -1572 -1474
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -999 -918
SL 1 -104577 -104693
 SL 2 -46068 -46121
 Earnest -4862 -4872
 Net Worth -141059 -140374
 Percentage Change .95% .49%

Have you noticed the rocky market or just kept on with your plan?

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 52 – Year One Done

Gentle Readers,
One year of tracking my net worth is officially complete!
I’ve learned a lot by focusing so intently and have had some improvements while also having some setbacks. Those setbacks would have been worse if I hadn’t been focusing so hard.
At this point last year, my business was not going as well and I was about to spend a lot of my personal money keeping it afloat. I was also in a lot of pain, but had not yet figured out how to navigate the health system to get the care I needed. My girlfriend lived in my town, but in a very high stress, high hour job. I had begun learning a new skill, but was still very much a novice.
This year, I’m in a slightly better financial situation. My business is doing better and I understand better how to make it work. My pain is diminished and I am physically stronger. My girlfriend lives over 1000 miles away, and this chapter in our relationship has already taught us a lot. My skill-building is reaching exponential-growth levels and it is encouraging. My heart is also in a much calmer position. I’ve become more centered in a few ways even as the world around me, and portions of my life, are more uncertain.
This week has had some financial setbacks. After a few days with the mattress my roommate “gifted” me, my body has concluded it needs to be replaced along with the frame that is not structurally sound. I’m not thrilled with this, but I think my body can hold off a while. I ordered the frame my brother recommended and will use that once it comes in. I was worried for 24 hours that I would have to replace my phone after it took a trip into water. Thankfully, it is back in working order for now and I can wait to replace it.
I still find this weekly exercise useful and think I’ll keep it up for the time-being. One more year ought to get me into a better place.

This week’s net worth numbers

4/15/2016 4/7/2017
 Joy 1097 1105
 Travel 322 1
 Down Payment 18 19
 Retirement 21 21
 Health 45 45
 Moving 31 285
 EF 9 11
Business 1 1002
Life 907  639
 IRA  7026  12736
 Brokerage 221  689
 Rewards Card 2 n/a -585
 CC (largest) 0  -3264
 CC (longest) 0  0
 Rewards Card -3000 -1331
SL 1 -101892 -104519
 SL 2 -45001 -46041
 Earnest -10036 -5274
 Net Worth -150230 -144460
 Percentage Change 3.84%

Have you grown this year?

Net Worth Week 51 – After Vacation Edition

Gentle Readers,
I saw my girlfriend for the first time in a month! It was heaven! It also was my first vacation of more than 2 days in a very long time. I set an out-of-office for my business, and warned my clients. So many ignored the warnings, but I held firm and did not engage in any work while I was there.
I meandered. I strolled. I had a networking lunch with someone in my profession who was incredibly kind. I saw a friend. I ate good food. I rocked a rainbow bikini.
Back to reality.  I am a candidate for the cheaper Invisalign according to the company I met with. I still need to talk to my dentist and get approval to pursue this option.
I was given a bed to replace the one I had that my body hated. Unfortunately, even with my brother’s help, the bed I received is not salvageable. I’ll figure out in a few days if I need to replace the frame and mattress or just the frame. This is not an expense I planned for. But I gave my bed away on the promise of this new bed. Sigh.
I spent more on ubers/lyfts this weekend than my normal, but it helped me see her city and meet the folks I wanted to meet.

This week’s net worth numbers

3/24/2017 4/4/2017
 Joy 1105 1105
 Travel 1 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 285
 EF 11 11
Business 1002 1002
Life 994 1666
 IRA  12693  12757
 Brokerage 684  689
 Rewards Card 2 -301 -950
 CC (largest) -3500  -3514
 CC (longest) 0  -65
 Rewards Card -1302 -1416
SL 1 -104288 -104469
 SL 2 -45936 -46019
 Earnest -5716 -5736
 Net Worth -144183 -144567
 Percentage Change -.01% -.27%

When was your last vacation?

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?

  

Net Worth Week 48 – Oral Surgery Edition

Gentle Readers,
My suit arrived and the tailored made it fit. There’s still one small snag that I’ll need to have my dry-cleaner fix, but it looks like a million bucks. I’ll write a post about this drawn out process soon.
Oral surgery happened. Then ice cream and applesauce did. This process let me know that my insurance is now only acceptable at pharmacies that my insurer runs. No longer may I utilize CVS. It is inconvenient, but my past performance on prescriptions being such a rarity for me will hopefully continue trending.
I opened a new rewards credit card and was able to use my oral surgery to hit part of the spending limit. This card is for an airline that flies often between the cities my girlfriend and I live in. For now, I’m keeping all of my other cards open, but I may re-assess my needs and potential impact on credit rating. You’ll notice the big dip in my travel and EF account, because I wanted to pay for as much of my oral surgery as possible up front.
Taxes drafted. Schedule C. (got side-lined this week)
Skill-building classes returned!
Another client hired me as I nearly completed work on a different client’s project.
I finished funding my 2016 IRA.
 I bought my first ticket to go visit her in her new city!

This week’s net worth numbers

3/3/2017 3/10/2017
 Joy 1105 1105
 Travel 324 1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 811 11
Business 1002 1002
Life 2640 622
 IRA  12234  12568
 Brokerage 698  688
 Rewards Card 2 0 0
 CC (largest) -4260  -3999
 CC (longest) -191  0
 Rewards Card -2322 -1629
SL 1 -104201 -104057
 SL 2 -45896 -45831
 Earnest -6145 -5692
 Net Worth -143831 -144841
 Percentage Change .34% -.70%

How have your Marches begun?

  

Net Worth Week 47 – Grind it Out Edition

Gentle Readers,
I’ve been doing a great job this week of getting lots of things done and getting overtime in to tackle this debt. I was really worried that her absence would make me despondent, but I still feel wrapped in her love from hundreds of miles away. I’ll use this time to focus on being even better at tackling debt and growing my business. When I’m with her, I can then just focus on exploring her new city with her and enjoying being near her without worrying about costs. (remind me of this when despondency rears its head)
I made it to the tailor who is fixing a suit for me. She estimates that it will be ready this weekend and I’m very excited to finally wear it. I scheduled my oral surgery; it still does not feel like the best time financially, but I would like to have a happier mouth and less pain.
I’m going to draft my taxes tomorrow so that I can talk to my accountant friend for a paid-review of the Schedule C I’ll prepare. I also need to prepare to pay my quarterly taxes for the first time since I paid myself from profits in December. I know that I have the money on hand because I have kept all profits I’ve paid myself in a sub-account. I don’t know what I’ll do with that money once I know what it is like paying self-employment taxes. Right now that money has the job of teaching me how much I’ll bring home depending on the number of clients I have. It’s a good lesson.
My skill-building classes return again next week. I’m really excited. I love the class and the teacher, and it is free. I intended to finish a book on the subject during the 2.5 months we did not have class, but I did not make the time with how much happened in my world.
We also can’t seem to keep a fourth contractor on this project. The most recent hire did not make it a month. No one has explained his absence to us; he’s just not there. It’s a very strange work environment. I hope he found a permanent job somewhere. He was nice and diligent.
.

This week’s net worth numbers

2/24/2017 3/3/2017
 Joy 1104 1105
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 811
Business 751 1002
Bed  0.19 0.19
 Life  1622  2640
 IRA 12163  12234
 Brokerage 693  698
 CC (largest) -4215  -4260
 CC (longest) 0  -191
 Rewards Card -1909 -2322
SL 1 -104085 -104201
 SL 2 -45844 -45896
 Earnest -6133 -6145
 Net Worth -144323 -143831
 Percentage Change -.13% .34%


What do you like to have on hand for post-surgery self-care?

 

  

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