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 61 – PRIDE Edition

Gentle Readers,
I have not yet been able to coordinate with my roommate about removing the box spring, so my new bed is still gigantic. My back feels like it is slowly getting better, maybe. I’m monitoring it.
The gig continues to go back and forth on what we should expect. At this moment, according to one set of instructions, we have one more week on this gig, but according to another set of instructions, we probably have a few more months. How’s that for planning your life?  I’m just going to keep showing up and trying to get hours in until they take them away from us.
My trip to my love was short, but good. It was my first venture on Spirit and I was very pleased. I don’t need much when I’m visiting her and am able to be down to one personal item – at least when it is not winter.  I’ve also looked up the cost of rental cars for the first time, and I learned that the cost for renting a small car for 3 days is less than the cost of a cab from the airport to her place. I must sign up for driver’s ed and become comfortable driving. We could explore so much more if I could drive us.
June is Pride month. I don’t know if it is Pulse haunting me, or the general scary world news, or the fact that my girlfriend is over one thousand miles away from me, but I’m not really interested in going to any of the events around PRIDE this year. Pride did not used to be such a corporate, white-washed event. It used to be queer joy, queer anger, and queer liberation. I’m trying to make space in my time and mind to attend a potluck or something with other queer folk. My heart is not there, but perhaps being in a queer space would do me enormous good…

This week’s net worth numbers

6/2/2017 6/9/2017
 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 1809  455
 IRA  13166  13191
 Brokerage 703  703
 Rewards Card 2 -3215 -2873
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  (106) CR
SL 1 -104924 -104780
 SL 2 -46226 -46161
 Earnest -4893 -4427
 Net Worth -141086 -141292
 Percentage Change -.26% -.15%

Are you doing anything to learn more about PRIDE or attending any events in your area?

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?

Stonewall Reverberates at Pulse

Gentle Readers,

Today we mourn the 50+ lives taken senselessly. They were our brothers and sisters. They were queer, transgender, gay, lesbian, bisexual, and so many other things. They were predominantly people of color. They were celebrating Pride. This is terrifying and heartbreaking. If you have queer people in your family, please check in on them today and this week. Encourage them to talk to grief counselors, even if they were not in the zone of danger this time. Our hearts are broken. We know it could be us next.

The Stonewall Riots are why we celebrate Pride in June. The history of persecuting queers who were visible is long and violent in our country and throughout the world. There were laws prohibiting homosexuality in public in most of the United States. Folks were subjected to mental and physical torture to “cure’ them. People were murdered. People were harassed by law enforcement and the law for being “deviant.” Deviance included women not wearing enough “feminine” articles of clothing. They were harassed for being different and not conforming to that era’s strict constraint of appropriate gendered behavior. Business that catered to LGBT folks were routinely raided and the people subjected to violence of all natures at the hands of the state and ordinary citizens. The laws were part of the problem. Beatings and sexual assaults at the hands of police were common. There are differing accounts of what precisely occurred on the night of Judy Garland’s funeral. Law enforcement raided the Stonewall Inn, again. And someone struck back. Some accounts credit a transgender woman with throwing the first punch or bottle. Some accounts credit a butch woman. Other accounts credit a drag queen.

But someone who refused to live according to dominant culture’s ideas for them struck. And others joined. The riot involved violence, but also group unity in public. There had been secret societies before – don’t think the LGBT liberation movement started at the end of the 1960s. They shouted about gay liberation. They faced their persecutors. The cops eventually sought refuge in the Stonewall Inn. The riot cops came. The queers did not leave. They stood and fought as a group. This happened over multiple days. They sought liberation from police brutality, unjust laws, and a strict society that told them to conform to ridiculous notions of what it means to be a human. What it means to have worth. We are still working on liberation.

We’ve had marriage equality for a year now, but have seen a growth of anti-transgender laws in particular. We are not free. There are other freedoms we seek. We do not have workplace protections in many states. We do not have the privilege of peeing safely in many places. We still have queer kids being abandoned by their families. We still struggle for gender non-conforming people to have the dignity inherent in their bodies protected. We still struggle to not be murdered for our very existence.

If you can, please donate https://www.gofundme.com/pulsevictimsfund. Over fifty families will need help with their grief at this tragedy. 

In solidarity,

ZJ

Net Worth Week 9 – Small Setbacks Edition

Gentle Readers,

I finally have a gig again, but was negatively impacted by 2.5 weeks of no work. Being a contingent worker is really hard for planning your money. There will be a few weeks of negative change in my net worth because of it. Thankfully, I know that I’m happy with slow and steady.

I was prepared for the lack of work and had stashed money in my Life account. I enjoyed the freedom to live as I wanted. I had hoped the lack of work would only last a week based on their promises, but that was not to be. That’s the nature of this industry. I’m still sad I won’t be able to buy the next pair shoes in my future fabulous-shoe arsenal, but I want freedom more.

My LLC had some progress and more potential clients are coming around. I’m feeling pretty good in this arena.

My IRA had a pretty nice week, but I’m missing a scheduled payment due to the lack of work. I’m slightly off-track, but I am at least still on the course going forward.

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

Date 5/20/16 5/27/2016 6/3/2016 6/10/2016
Joy 1098 1098 1098  1098
Travel 322 322 323 323
Down Payment  18 18 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  9 2597 2597 2597
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  1716 2765 2344  1729
IRA  7295 8359 8378  8516
Brokerage  218 222 224  226
CC (largest)  0 0 0 0
CC (longest)  0 0 0 0
Rewards Card  -3890 -3998 -4481  -5434
SL 1  -102130  -102245 -102360 -102120
SL 2  -45024  -45059 -45095 -44971
Earnest  -9673 -9696 -9247 -9258
-$149942 -$145518 -$146101 -$147176
  -1.0% change 2.95% change -1.0% change  -1.01% change

When did small setbacks begin to truly feel small to you?

Net Worth Week 8 – Two Months of Progress to Celebrate Pride

Gentle Readers,

A week of no gig means that my net worth to begin Pride Month won’t have the same triumphant tenor as last week’s major gains.  I cannot grow accustomed to 2.95% gains, but I can look back at two month’s worth of progress and be happy with my path of financial and personal growth.

The freedom of no work has allowed me to perform many errands and do some important work at my LLC. The LLC work should pay off fairly soon, and leave one less client matter over my head.  After using my days off to visit with friends, I switched to using my day’s off to help friends. One friend needed help cleaning their apartment, and another needed help unpacking. We all needed human interaction, too. It was lovely and I was glad to help my friends with my extra time. I know that I am in a better emotional space when I get to see my friends more often – especially in their homes away from the noise and crowd.

The gig is continuing to suggest that I will start soon. I’m still not applying for other gigs, because this one is at the 25% higher pay-rate and has more stability. Most likely it will begin next week.  I’m fortunate that I can go a few weeks without earning money and still be fine. It’s a little frustrating because these weeks were going to be dedicated to beginning my Down Payment Fund, but that will just have to wait.

Two months of tracking net worth has been incredibly informative. I began with ~$151,164 as my baseline. I’m now making progress and am at $146,101. That’s a 3.349% difference and $5,063 gain. 

The percent change for this week was less exciting, but when you are not actively working, it is expected. Next week will not be any better, since I will have no paycheck. I am still grateful for Earnest changing my ability to conquer my debt. I count them

Date 4/1/16 5/20/2016 5/27/2016 6/3/2016
Joy 1097 1098 1098  1098
Travel 752 322 322 323
Down Payment  284 18 18 19
retirement  221 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  9 9 2597 2597
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  471 1716 2765  2344
IRA  6928 7295 8359  8378
Brokerage  220 218 222  224
CC (largest)  -11883 0 0 0
CC (longest)  -567 0 0 0
Rewards Card  -2762 -3890 -3998  -4481
SL 1  –  -102130 -102245 -102360
SL 2  –  -45024 -45059 -45095
Earnest  -10000 -9673 -9696 -9247
-$151164 -$149942 -$145518 -$146101
  BASELINE -1.0% change 2.95% change  -1.0% change

When is the first time you saw that slow and steady was really winning the race?