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  

Net Worth Week 45 – A Change is Gonna Come

Gentle Readers,
There was another week of net worth growth, but big changes are brewing. These changes will impact my money, my time, and my general happiness.
My wonderful girlfriend had a short period of unemployment before accepting a job very far away. It’s an exciting opportunity and will be a great chance to grow professionally, but it is also bittersweet. A change of scenery may be good for the spirit, but it also means that our hug quotient will go way down. She flies away next week.
Thankfully, my employment is flexible. I have not yet broached it with my agency, but I will request that they allow me to work remotely outside of the weekend to sometimes work from her new place while she is at her job. This will make visiting her monthly far more feasible. I have the approved computer for remote work. My bosses don’t supervise us, nor care that one person sleeps while “working.” This would allow me to continue pursuing their overtime goals and allow me to purchase cheaper airfare. They should say yes, but may balk. We’ll see.
With all of this, I also need to continue to work on my balance transfer from last summer, and pay it off before July.  Her move is why I have not yet made my appointment with an oral surgeon. I want to spend as much time with her and helping her as possible. Sometimes love includes dental pain.
I have a lot to learn to make this change work. I did not previously know that South West Airlines had such flexible tickets. I will be looking up travel hacking, and all sorts of other things to make sure that our love and support stay strong.
 .

This week’s net worth numbers

2/10/2017 2/17/2017
 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 819  1608
 IRA 11536  11974
 Brokerage 679  688
 CC (largest) -4182 -4203
 CC (longest) 0  0
 Rewards Card -1120 -1682
SL 1 -103854 -103970
 SL 2 -45738 -45791
 Earnest -6109 -6122
 Net Worth -144610 -144139
 Percentage Change .40% .33%

What made a long-distance relationship work for you?  

Net Worth Week 41 – Washington Changes Edition

This change is hard. The new man openly talks about assaulting women. It’s a lot to take in. But I must keep trying to be the change I wish to see in the world. I can do that best from a place of financial wellness. This is my eighth week in a row of net worth increase. It’s a good start.
1/13/17 1/20/17
Joy 1103 1103
Travel 324 324
Down Payment 19 19
Retirement 21 21
Health 45 45
Moving 284 284
EF 310 310
Business 501 501
Bed 0.29 0.29
Life 1128  1716
IRA 11075 11020
Brokerage 666  663
CC (largest) -4210 -4265
CC (longest) 0 0
Rewards Card -999 -1365
SL 1 -103652 -103767
SL 2 -45646 -45698
Earnest -6519 -6532
Net Worth -145550 -145120  
Percentage Change .22% .29%

How are you handling the changes? I’ll be volunteering this weekend.

Net Worth Week 40 – Birthday Edition

This is now a 7 week streak of my net worth improving!
12/30/16 1/6/17 1/13/17
Joy 1102 1103 1103
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 310 310
Business 501 501 501
Bed 0.29 0.29 0.29
Life 1889 1422  1128
IRA 10879 11055  11075
Brokerage 658 669  666
CC (largest) -4251 -4210  -4210
CC (longest) 0 0 0
Rewards Card -1534 -1406  -999
SL 1 -103680 -103795  -103652
SL 2 -45659 -45711  -45646
Earnest -6956 -6507  -6519
Net Worth -146049 -145876  -145550
Percentage Change .13% .12% .22%

How do you like to celebrate your birthday?

Net Worth Week 39

12/23/16 12/30/16 1/6/17
Joy 1102 1102 1103
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 310
Business 1 501 501
Bed 0.29 0.29 0.29
Life 1912 1889  1422
IRA 10718 10879  11055
Brokerage 661 658  669
CC (largest) -4256 -4251  -4210
CC (longest) 0 0 0
Rewards Card -1274 -1534  -1406
SL 1 -103565 -103680  -103795
SL 2 -45606 -45659  -45711
Earnest -6942 -6956  -6507
Net Worth -146246 -146o49  -145876
Percentage Change .16% .13% .12%

Have you ever fired a client over ethics?

Net Worth Week 38 – The Year End Edition

I once again travel today, but this time to New England to begin the year with some of my favorite people. I love starting the year with them, but have not done it for a few years. Extra bonus, my girlfriend loves every time I visit this region because I come home so happy. Everybody wins.

My business had a major milestone. I paid myself out of the profits for the first time. It is a small amount, and does not begin to repay me the loan of my money and time over these years, but it is an incredible start. I’m quite happy to start small, because this gives me a chance to feel what paying self-employment taxes are like on a limited-scale. If I mess up, the error should be smaller, right? My current plan is to pay myself from the profits, but not spend the money. Just have it set aside into my “business” account. Once I get the hang of paying quarterly taxes, I can save it/invest it/use it like regular money.

Thirty-eight weeks of tracking my net worth and I’m doing slightly better than I was when I began. I had hoped to be in a much better position at the end of the year, but I had not anticipated the thousands of dollars in medical bills. I still know that I am doing better, but it is important to remember that life can come at you sideways.

12/16/16 12/23/16 12/30/16
Joy 1102 1102 1102
Travel 324 324 324
Down Payment 19 19 19
Retirement 21 21 21
Health 45 45 45
Moving 284 284 284
EF 309 309 309
Business 1 1 501
Bed 0.29 0.29 0.29
Life 636 1912  1889
IRA 10883 10718  10879
Brokerage 661 661  658
CC (largest) -4341 -4256  -4251
CC (longest) 0 0 0
Rewards Card -510 -1274  -1534
SL 1 -103449 -103565  -103680
SL 2 -45553 -45606  -45659
Earnest -6927 -6942  -6956
Net Worth -146494 -146246  -146049
Percentage Change .26% .16% .13%

Are you ready for a New Year?