Net Worth Week 74 – Fall is Coming Edition


Gentle Readers,
With more hurricanes impacting the US South and the Caribbean and earthquakes in Mexico, I’m still supporting Portlight Inclusive Disaster Strategies. I may add in Doctors Without Borders.
Another week of waiting for my invisalign, and my teeth are unhappy. The nightguard I have has not been appropriate for my mouth’s current configuration for over a year. It’s taking a toll.
Happily, the great press has resulted in one new scheduled client meeting. I don’t yet know if they will hire me, but this is a good first step. I would feel a lot better about my business’ balance sheet if I had one or two new clients. Lastly, my business finally has a Facebook page. Enough people have tried to connect with my personal page that it seemed like a page could be a good idea. No cost and low effort may pay off. I did not have a page previously because my mentor didn’t. I also had followed her advice about websites for our niche, but people who contacted my office wanted one. Responding to your market matters.

This week’s net worth numbers

9/1/2017 9/8/2017
 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 3431  3282
 IRA  13495  13555
 Brokerage 825  825
 Rewards Card 2 -3531 -3781
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105647 -105503
SL 2 -46557 -46491
 Earnest -3606 -3147
 Net Worth -140092 -139762
 Percentage Change .42% .24%

How are you supporting after the latest disasters?

Net Worth Week 71

Gentle Readers,
It’s been an exciting, but unprofitable week for my business. I was invited to do an interview and to be a panelist. Both will be excellent publicity. I have not previously done either, and will need to prepare. They are both good skills to have, and I must keep developing.
My agency did not tell me that I was eligible for paid vacation based on the type of work I am doing and my longevity on a single job.  Heading to Texas last week was my first paid vacation ever. My agency still has not let me know how much leave I’ve accrued, but I know that I have a minimum of 2 days remaining.
My invisalign has not yet arrived, but my dentist thinks I’ll get them in two more weeks. That will be another cool $2000 to start and the beginning of a different type of pain.
I finished the personal tutoring this week and will restart group classes next week. I also talked with a friend who does the type of work I am skill-building in. She gave me some tips on how to handle the process and let me know what a passing score is.
I will have to write a check to my business this week. It just won’t be able to cover the big August bills otherwise.
On a happy note, I will get to see my girlfriend again two times in September!

This week’s net worth numbers

8/12/2017 8/18/2017
 Joy 1108 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1005 1005
Life 1632  2722
 IRA  13267  13236
 Brokerage 812  809
 Rewards Card 2 -2784 -3123
 CC (largest) 0  0
 CC (longest) 0  -47
 Rewards Card -438  -438
SL 1 -105317 -105416
SL 2 -46406 -46451
 Earnest -3584 -3591
 Net Worth -140322 -139803
 Percentage Change -.37% .37%

How are you growing your skills?

Net Worth Week 70 – Love in the South Edition

Gentle Readers,
Quick post from vacation. Keeping myself liquid because my business will most likely need cash from me soon. A big jump in CC was the first payment for invisalign.
Back to eating TexMex!

This week’s net worth numbers

8/4/2017 8/12/2017
 Joy 1108 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1005 1005
Life 1818  1632
 IRA  13486  13267
 Brokerage 836  812
 Rewards Card 2 -2489 -2784
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  -438
SL 1 -105444 -105317
SL 2 -46464 -46406
 Earnest -4042 -3584
 Net Worth -139803 -140322
 Percentage Change .15% -.37%

How are your vacations going?

Net Worth Week 69 – Spinning Round Edition

Gentle Readers,
My tutoring sessions continue to improve my skills greatly. Every day I am more excited about the possibilities on the horizon.
Knowing that I will pay out of pocket for Invisalign the same month that my business has many bills due has been stressful. I think I will have to return the money my business “paid” me back to my operating account. Unless a new client comes in ready to hire me very soon. One current client contacted me yesterday for a tiny bit of work that will help enormously, but not cover everything I have going out this month. I should be able to do everything he needs this weekend.
I am grateful that I have this blog, because it taught me how simple a balance transfer is; it also reminds me that the last time I took this step it was because of dental pain, as well. C’est la vie.  My credit score is good and I have no plans in the next six months to take out a loan of any sort. Knowing that I have significantly higher outlays than projected income in the next two months, my plan is to hold off on paying down my credit card so that I have the funds available for my business, if necessary. Once the first big payment is due for my Invisalign, I’ll put it on my credit card and then initiate a balance transfer. That will buy me many months of no interest for the fee of a 2% balance transfer. This is much cheaper than letting it sit on a credit card with an APR over 10%.  It’s not the greatest situation, but I know better how to use the tools available.
Next week may not have a net worth check in because I will be in Texas visiting my love! I cannot lie, I have been dreaming about TexMex.

This week’s net worth numbers

7/28/2017 8/4/2017
 Joy 1107 1108
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1004 1005
Life 1499  1818
 IRA  13481  13486
 Brokerage 809  836
 Rewards Card 2 -2406 -2489
 CC (largest) -114  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105329 -105444
SL 2 -46411 -46464
 Earnest -4033 -4042
 Net Worth -140010 -139803
 Percentage Change -.46% .15%

How often have you felt the phrase “One step forward and two steps back” in your financial life?

Net Worth Week 67

Gentle Readers,
This week’s heatwave is worse than last week’s heatwave. The bandelettes  are doing their job. I need to venture out of my home this weekend for a friend’s brunch and a community theatre show. I’m not looking forward to foregoing the AC, but friendship decrees it!
This has definitely been a week of learning. I am very glad I attended that training last Friday even though it meant I did not get a full 40 at my gig. The knowledge and networking was worth it. I met a woman in my field who is interested in starting her own similar business now that she is financially successful and does not have to worry about income. We have a lot to discuss.
I continued with the intensive tutoring. Really big breakthroughs are happening, and I am exhausted. 2ish weeks to go! Then maybe a long nap!
This is my second week under -$140K!!!

This week’s net worth numbers

7/14/2017 7/21/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 46 46
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 508  1480
 IRA  13304  13479
 Brokerage 817  824
 Rewards Card 2 -1693 -2045
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105098 -105213
SL 2 -46306 -46359
 Earnest -4016 -4025
 Net Worth -139990 -139365
 Percentage Change .69% .45%

How are you handling your heat wave?

Net Worth Week 65

Gentle Readers,
Work finally took away our OT. Slow and steady must win the race now.  My tutoring begins next week and I’m very excited. I’ll probably have less time for interacting with folks because I need to focus really hard on my lessons to make sure they sink in appropriately. A little focus should go a long way, I think. The plan is to devote most of July to this and then potentially find a gig in it. Such a gig would definitely change my money situation quickly.
I should have noted it before, but I am over halfway done on repaying my Earnest Loan! Huzzah!

This week’s net worth numbers

6/30/2017 7/7/2017
 Joy 1107 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 46
 Moving 285 285
 EF 11 11
Business 1004 1004
Life 1439  500
 IRA  13134  13085
 Brokerage 704  700
 Rewards Card 2 -2902 -2121
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105090 -105242
SL 2 -46306 -46372
 Earnest -4465 -4008
 Net Worth -140992 -140964
 Percentage Change -.35% .02%

Do you still invest in your skill-building?

Net Worth Week 64 – She’s Here Edition!

Gentle Readers,
My room is not yet perfectly organized. (Hint, it never will be.) But I have reduced the amount of stuff through donations, give-aways, and trash where appropriate.  I got it done just in time for my girlfriend to arrive.
My niece is also visiting, but some tomfoolery has prevented me from seeing her until her last day here.
It is still unclear how long my job will last. We had 2.5 days of sitting waiting for work before we were put back on tasks that don’t need to be done. My resume is as current as possible.
It has been an expensive few weeks. This has corresponded with OT being curtailed due to weekend server upgrades. I thought I’d be done with my credit cards before the end of June. I was mistaken.
Thankfully, one of the expenses is for my tutor who I will be starting with very soon. July is going to be an intensely focused month on skill-building. Hopefully, when August roles around, I will find a job in that skill. There was a posting for a similar gig this week, but it is bad form to leave a gig early and I’m not quite prepared.
 It’s time to head out the door for breakfast. I hope y’all have wonderful Fourth of July Weekends!

This week’s net worth numbers

6/23/2017 6/30/2017
 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 1116  1439
 IRA  13106  13134
 Brokerage 709  704
 Rewards Card 2 -2291 -2902
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card (98) CR  0
SL 1 -105011 -105090
 SL 2 -46266 -46306
 Earnest -4455 -4465
 Net Worth -140500 -140992
 Percentage Change .19% -.35%

Do you have plans for Independence Day?

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 60 – Fly to Love Edition

Gentle Readers,
My bed arrived!!! It has definitely improved my pain and my sleep situation. I got a good memorial day deal, but it still is a tiny setback on the path to FIRE. I think it was the right choice. Unfortunately, I bought a box spring I did not realize I did not need. My bed + frame is currently 34 inches high. It is ludicrous. When I return from visiting my love, my roommate will help me take it down and will see if she likes it under her futon mattress that is currently laying directly on the floor. If she does not like it, I’ll see who in my community needs one.

 

This was week 52 on the current gig. We were told it would last 6 months. Supposedly, we have 3 more weeks on this project. I am skeptical. I think it will last longer. I hope the ability to do OT lasts.  Especially now that I am so close to paying off my credit card debt.

Oh yeah, another credit card vanquished! I am down to one credit card!!!  If my gig lasts, I hope to vanquish this in the next 4-5 weeks.
And I am off to the airport and hopeful that the storms near her will break enough for me to land safely and quickly.

This week’s net worth numbers

5/26/2016 6/2/2017
 Joy 1106 1107
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 285 285
 EF 11 11
Business 1003 1004
Life 1907  1809
 IRA  13106  13166
 Brokerage 698  703
 Rewards Card 2 -2034 -3215
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -1028  0
SL 1 -104808 -104924
 SL 2 -46174 -46226
 Earnest -4883 -4893
 Net Worth -140724 -141086
 Percentage Change -.25% -.26%

Have you ever packed more lipsticks than outfits?

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?