Net Worth Week 98 – Happy Trend Edition

Gentle Readers,
I have a gig! It’s not as well paying, but I am making money and this is a comparably nice work environment. I’ve never worked for this agency or in this precise location. The commute is nice and there is good coffee with short lines nearby. We didn’t start until Wednesday, so next week will be a relatively small check, but at least it’s a check.
Since I did not work last week, there was nothing coming in and a lot going out for the conference travel. Still glad I did it because the dividends have been felt in my business and career outlook.
My beloved class began again! My teacher is almost ready to give me the A grade I need to do a gig in this skill!  Then I went gay swing dancing; it was a lovely day.
No further word from the good government gig.
I finally got the data I needed from the sibling so that I could fill out the life insurance claim paperwork. My dad was a federal employee so I don’t know how long it will take. What I could see online made it appear that up to two weeks could be reasonable. Non-government insurance appears to pay out faster.
I’m still waiting for something from an overseas family member before I can take next steps with the court about his final bills etc. I’m really glad that he didn’t want a funeral and none of us truly needed the assets from his small estate or life insurance to support ourselves. This has dragged on even though the only true complication was the hospital taking nearly 3 months to sign a death certificate. Imagine how terrible it could have been if the family was fighting, too!

This week’s net worth numbers

2/16/2018 2/23/2018
 Joy 1113 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 287  287
 EF 57  57
Business 5  5
Life 2140  1582
IRA 16485  16359
Brokerage 852  845
Rewards Card 2 -6023  -7601
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -105973  -106088
SL 2 -46705  -46758
Earnest -922  -924
 Net Worth -143643  -146082
Percentage Change .15% -1 .7%

Have you developed a skill over time to drastically impact your earning potential ?

Net Worth Week 96 – Single Edition

Gentle Readers,
My gig ended Monday and I have not yet found a replacement for the time before the good government gig begins. Thankfully, I have business work to attend to and have been able to accomplish some things in my own office during the interim. It’s officially been 6 weeks since the government began processing my paperwork for the good gig. The person who would be my supervisor told me it would likely take 6-8 weeks. I’m hoping I hear soon.  Then I can relax and stop applying for gigs.
My business’ reputation continues to grow, which is very satisfying. Slow and steady.
I dog-sit again this weekend, but in a much more convenient location. I prefer the shorter dog-sitting stays because I don’t have to worry about having enough professional clothes with me.
The combination of barely earning money this week and the stock market correction definitely impacted my numbers. The ride just got noticeably more bumpy.
There’s been progress on the estate. I’ve been told that the death certificate is now signed, but I have not received the copies I’ve paid for yet. So I can still do nothing.
I got my next Invisalign trays. 14 more this round. I guess I can be financially grateful that I will have the next 3 months to pay down what I’ve spent on invisalign before having to shell out for whatever night-guard retainer we decide is best for my TMJ going forward.  Sadly, we couldn’t do the semi-annual appointment and I’ll need to go back in for the cleaning, but I’m going to wait to see what gig I get next, because that will impact my ability to get to the dentist.
 My relationship officially ended last weekend. True to my plan for myself, I am going to as many LGBT events as I can. Surrounding myself in community and making more friends. I had my last soccer game of this season. I’m planning on switching to the team I subbed for. They were a more natural fit for me.

This week’s net worth numbers

2/2/2018 2/9/2018
 Joy 1113 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 287  287
 EF 57  57
Business 5  5
Life 2040  2140
IRA 17036  15841
Brokerage 884  812
Rewards Card 2 -5040  -5727
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -106179  -105857
SL 2 -46799  -46653
Earnest -1384  -920
 Net Worth -142939  -143861
Percentage Change -.63%  -.65%

What do you do to handle a breakup?

Net Worth Week 95 – A Change Is Gonna Come Edition

Gentle Readers,
The conference was exhausting, but served its purpose well.  I met some potentially good connections. I communed with other queer-folks. I saw friends. I agreed to mentor a friend on something I’ve been mentored on for my business and I’m looking forward to it. I even got to tell the person who mentored me how I’m finally able to start paying it forward.
Dog-sitting has reminded me that long commutes are terrible for being able to do anything. It is nice to not be with my roommates though. There has to be a better way to achieve that.
I finally received a small part of the estate paperwork I require, but still no death certificate. I’m wondering if the VA would like some media attention… The man has been dead for a few months. Someone needs to sign the damn certificate. I can’t process anything without it. His creditor would like their money. My siblings would like their life insurance. I would like to begin the process so that I can end the process at some point.
I am still waiting for my dentist to receive my next (last?) sets of invisalign trays. I’ve been wearing the current tray for triple the normal length. We even moved back my semi-annual appointment so that we could do both in one fell-swoop. So close! And my pain is definitely improved. I’m so glad I did this. Even though the expense has been great.
The good government gig is advancing me through. We are still waiting on a start date still. Huzzah! Back to higher pay, fewer hours, and more interesting work. And for the first time since I began temping, a supervisor who will supervise and who seems genuinely interested in my career. Very strange for gig work, but I am excited! It is coming at a good time. The current gig just cut our hours and it looks like at least some of us will be let go soon.
Skill building is still on the low burn, but once I am back in my own place it will be easier to get in to the new routine for what I think I need to focus on next.

This week’s net worth numbers

1/26/2018 2/2/2018
 Joy 1112 1113
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 286  287
 EF 57  57
Business 5  5
Life 2099  2040
IRA 17216  17036
Brokerage 894  884
Rewards Card 2 -4563  -5040
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -106063  -106179
SL 2 -46747  -46799
Earnest -1381  -1384
 Net Worth -142044  -142939
Percentage Change -.28%  -.63%

Have you ever felt a shift for the good in your finances even when they technically are not improving?

Net Worth Week 94 – Conference Edition

Gentle Readers,
It’s so nice to bunk off work for this conference. I got in 30 hours instead of the 80 they’d prefer and I don’t feel bad in any way. I had to skip soccer, but this was also worth it. I am glad that I recently dry-cleaned a suit and favorite shirts. Looking good for networking is important. Being prepared for whatever may happen is a good investment in yourself, but it takes energy.
I begin dog-sitting again tomorrow for the dogs I actually like. It will involve a longer commute, but their home is lovely and the room for me feels like a sanctuary. And since they have multiple pets, the pay rate is better. It would be easier if I didn’t have such a high overtime gig, but I could not predict the future. It’ll be hard for the last two days of the conference, but everything happened at weird times and putting the dog-owners in a lurch would not have felt appropriate.
Professional dues had to be paid this week and they were not cheap. My credit card debt went up because of them. Sigh.
Still, no advances on the estate paperwork and the government shutdown does not make the VA work any better.
 It is hard to focus on my skill-building with everything going on, but I am still doing what I consider the minimum necessary.
 

This week’s net worth numbers

1/19/2018 1/26/2018
 Joy 1112 1112
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
Moving 286  286
 EF 57  57
Business 5  5
Life 2128  2099
IRA 16960  17216
Brokerage 896  894
Rewards Card 2 -4114  -4563
CC (largest)  0  0
CC (longest) 0  0
Rewards Card -5000 (BT)  -5000 (BT)
SL 1 -105948  -106063
SL 2 -46694  -46747
Earnest -1378  -1381
 Net Worth -141649  -142044
Percentage Change .96%  -.28%

How many conferences do you attend a year for work or pleasure?

Net Worth Week 93

Gentle Readers,
The gig has gone even more ridiculously this week. They let us know on midday Wednesday that for the next three days they’d like us to work even more and that they’ll base their culling decisions on h0w much we work. It’s been exhausting, especially because the systems naturally did not cooperate.
I made it back to the free cabaret and played soccer. My deskmate asked why I was not putting in 15 hour days and then bemoaned that I’m “probably making healthier choices” than them. Yes. Yes, I am.
No advances on the estate paperwork.
I received a present from my girlfriend and her mom. A delicious King Cake. This may signify nothing, or is just a nice thing to do, or maybe I should let hope grow. Outlook unclear. So I’m just going to keep focusing on the things I’m doing to make my life great.
A friend from grad school contacted me at midnight and set me up with tickets to a great networking and learning event. I’ll have to miss four days of work, but, per above, it is not clear that I’ll have the gig by the end of next week anyway. I chose advancing my career. I think it was the right choice.
The numbers look slightly better than they are because my brother has not cashed the check I gave him yet. But I like the trend.

This week’s net worth numbers

1/12/2017 1/19/2018
 Joy 1112 1112
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1479  2128
IRA 16837  16960
 Brokerage  877  896
 Rewards Card 2 -4469  -4114
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5400 (BT)  -5000 (BT)
 SL 1 -105832  -105948
SL 2 -46641 -46694
Earnest -1375 -1378
 Repay brother  0! 0!
 Net Worth -143023 -141649
 Percentage Change .16% .96%

Have you ever worked at a job with so much downtime?

Net Worth Week 92 – Birthday Edition

Gentle Readers,
Progress towards the new good-gig is happening. I got my fingerprints done. My nails looked fabulous, but the tech did not care. Current gig has been a little more in flux than I’d prefer. Lots of sitting around waiting for a task and being sent home early.
I figured out a portion of the problem with not receiving the estate paperwork I’ve requested. Neither the VA nor the medical school who accepted his body has signed the damn death certificate. Both are blaming the other. I’m going to keep calling until I annoy someone into signing this vital record. That does not explain why his life insurance paperwork has not even arrived for me to fill out and submit, but I am trying to focus on one thing at a time as possible.
My efforts to work a ton while also seeing friends is bearing fruit. I attended a free cabaret, I played soccer, I shared food with folks. It has been great for my psyche. I do wonder if I should not up the overtime even further; my roommates’ negligence regarding cleaning and the mouse situation grows more frustrating.
I send my brother the check to repay him! Not having that over my head feels wonderful! I don’t like and am not used to owing individuals money.
It’s my birthday week and letting my friends show up for me while also doing what I like without regard to anyone else’s plan has been nice. There is still bittersweet mixed in with the waiting, but I’m living my life.

This week’s net worth numbers

1/5/2017 1/12/2018
 Joy 1112 1112
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 2719  1479
IRA 16639  16837
 Brokerage  866  877
 Rewards Card 2 -4200  -4469
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5400 (BT)  -5400 (BT)
 SL 1 -106154  -105832
SL 2 -46788 -46641
Earnest -1839 -1375
 Repay brother  -600 0!
 Net Worth -143256 -143023
 Percentage Change .95% .16%

How do you celebrate your birthday?

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 89 – A LOT of Work Edition

Gentle Readers,
These past few weeks have been a challenge. Now I’m on to a new type of challenge. I started a high overtime gig and was finally hired by a client for my business. That client, naturally has an immediate emergency order for me to fulfill. This is the first client emergency I’ve had to handle. I learned a lot in the process. Hopefully that will make me a better businesswoman. I also reached out to my mentors for feedback and direction. Vital. It’s very possible that this client may have continuing work for me, if they like me.
But I am earning money again, while waiting for the good government gig to start. It also has overtime, but does not market itself as 40 hours of OT a week for four months. So I am grateful. The vicissitudes of gig-life mean that I have another interview for this gig, but with a different section of the government. This agency is trying to secure me work that would not be impacted by any government shut down.
I still have not received the paperwork I’m expecting for my dad’s estate. I know it’s the holidays, but they told me 3-4 weeks. I’d like to fill it out and get my siblings their life insurance payment. I know that the estate part will still take some time, but it appears that his debts and assets matched up fairly closely. That is less urgent. I also would like the life insurance for me. I have plans for debt reduction and asset purchasing. It would also just feel different to have all of that money in my bank account for a little bit. With the financial uncertainty of this year, it will be nice to get the unexpected influx.
Soccer is on hold for two weeks due to the holidays and I’m trying to stay fit enough with some simple body-weight exercises at home. I have a hard time sticking to this with everything going on. But some planks and stretching do a lot.
I was able to do a few small holiday things, which was nice. I really do like greenery and festive people. I’m so grateful that my friend invited me to her home for Christmas. It’s her first time hosting and I love her and her sister and her sister’s kids.  It’ll correspond with the start of my dog-sitting, but hopefully that just means it will be easier to get out to her.
Yes, I will have a Rover client, a fast-turn around client and a new high overtime gig all at the same time. November and December should have balanced themselves better. But, I am finding that I’ve got the energy to do this all. It is weird, but the energy is there.

This week’s net worth numbers

12/15/2017 12/22/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1481 1872
IRA 16064  16077
 Brokerage  863  861
 Rewards Card 2 -2947  -4269
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5600 (BT)
 SL 1 -105791  -105923
SL 2 -46623 -46683
Earnest -1827 -1831
 Repay brother  -600? -600?
 Net Worth -143493 -144596
 Percentage Change -.22% -.77%

Are you staying in your own place for the holidays or traveling this year?

Net Worth Week 88 – A Bit of Work

Gentle Readers,
I’ve worked half a week! It’s been nice to use my brain. It seems like the gig will end very early this morning so I am trying to get in to get what few hours may be available.
Everything else is just the same. Waiting on paperwork for my dad’s estate. Running around to play soccer. Waiting for the government to start the well-paying gig. Hoping that I have enough to get by until that happens. I did get to re-schedule my physical that I had to miss when I was out of state for my dad, and am happy to report that all of my vitals are good. And, my doctor does not think we need to consider me as higher risk for cancer even though he is immediate family; his cancer mainly impacts men and those with very different lifestyles from mine.
I did significant things to improve my business this week and will likely sign a new client this weekend. That’s a relief! I still think I’ll have to give my business another loan, but it can be smaller.
Unsurprisingly, my mental health is definitely improved by having work to do. A little less money stress. An enforced early wake-up time. Less time to hyper-focus on my feelings that shift rapidly still. As I write this, I’m frustrated and angry with my girlfriend. Two days ago, I had a hard time resisting contacting her to tell her how wonderful my day was. These phases are natural. Whether we stay together or break up, they all make sense. All of the emotions are valid. The things I’m angry about I was upset about throughout our relationship. My wanting to share joy with her is the same. All of this can change, but for now, I just have to accept that my emotions are going to stay in a flux position for awhile.
I’m now more than halfway done with Invisalign. After that first week, I’m really glad I stuck with it. Significant pain reduction. I’m looking forward to eating whatever I want again, as well.

This week’s net worth numbers

12/8/2017 12/15/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1903 1481
IRA 16027  16064
 Brokerage  867  863
 Rewards Card 2 -2702  -2947
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -105692  -105791
SL 2 -46577 -46623
Earnest -2284 -1827
 Repay brother  -600? -600?
 Net Worth -143176 -143493
 Percentage Change -.62% -.22%

Do you think the federal government will shut down or that I will start the good gig before Christmas?

Net Worth Week 87 – Desiring Work Edition

Gentle Readers,
Another week without work. The second interview went very well. All of the individuals I met with were impressed by me. But the federal government moves slowly. There was a 2 week continuing resolution passed yesterday, which means that the federal government at least won’t shut down in the next two weeks. Hopefully that means I’ll be employed soon.
Thankfully, my office got a lot minute request for a meeting that I could charge for. It was a small amount, but it will help.
I finally got paid through Rover. Rover’s processes are very slow.  I met with the two potential long-sits for later in the month. One hired me and the other decided that they needed a sitter who could also do the afternoon walk.
I signed up for and played in my first soccer game in over 3 years. I haven’t had time since I began my business. There were some SNAFUs, but I got to run around and be a member of a team. It was great.

This week’s net worth numbers

12/1/2017 12/8/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 2454 1903
IRA 16098  16027
 Brokerage  858  867
 Rewards Card 2 -1966  -2702
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5613 (BT)  -5613 (BT)
 SL 1 -106014  -105692
SL 2 -46724 -46577
Earnest -2284 -2289
 Repay brother  -600? -600?
 Net Worth -142291 -143176
 Percentage Change -.31% -.62%

Do you think the federal government will shut down?