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 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 43 – Back on the Right Track

Gentle Readers,
I have not been able to make an appointment with an oral surgeon yet, and am going to hold off for a few weeks. Some big changes are happening and I need to focus my attentions elsewhere for the short-term.
My “new client” from last weekend never arrived. Cash-flow is always going to be interesting it seems.
My streak re-set to 1 week positive net worth growth.

This week’s net worth numbers

1/27/2017 2/3/2017
 Joy 1103 1104
 Travel 324 324
 Down Payment 19 19
 Retirement 21 21
 Health 45 45
 Moving 284 284
 EF 810 810
Business 501 751
Bed  0.19 0.19
 Life 1501  1356
 IRA 11458  11459
 Brokerage 674 674
 CC (largest) -4209 -4182
 CC (longest) -10  0
 Rewards Card -2030 -1503
 SL 1 -103883 -103998
 SL 2 -45751 -45804
 Earnest -6546 -6562
 Net Worth -145688 -145201
 Percentage Change -.39% .33%

Any unexpected changes to your plans hit you lately? 

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 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 35 – You Better Work Edition

11/25/16 12/2/16 12/9/16
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 1
Bed 0.29 0.29 0.29
Life 1632 2617  445
IRA 10170 10124  10988
Brokerage 406 399  664
CC (largest) -4332 -4341  -4341
CC (longest) 0 -98 0
Rewards Card -1443 -1683  -988
SL 1 -103378 -103477  -103334
SL 2 -45521 -45566  -45501
Earnest -7351 -7364  -6915
Net Worth -147712 -147283  -146880
Percentage Change -1.12% .29% .27%

Have you ever had the option of Unlimited Overtime? How much would you work if you could?

Net Worth Week 13

Gentle Reader,

Man, the violence in our world is a lot sometimes. It is hard to be hopeful, but then I see the image of the strangers in Dallas who immediately surrounded a baby in a stroller when the shots rang out.  They were willing to put their body in harm’s way to protect a small life. That crowd was diverse and, I assume, did not all personally know that baby. They did not know why the shots were happening or who was being targeted, but they decided to protect a defenseless child. That is my hope for the world. That crowd of strangers who chose danger for another.

I know that y’all noticed I was quiet on twitter this week, and thanks for checking on me. PF bloggers are a great community. I had family in town and they had shenanigans to put me through.  I’m still trying to win my way to FinCon – in large part to meet y’all. It is already an honor to know you and I can only suspect that honor will grow when I can shake your hand.

My net worth plucked along in the positive direction and that small victory is helping me remember the destination this journey is leading me to.

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

Date 6/17/16 6/25/2016 7/1/2016 7/8/2016
Joy 1098 1098 1099  1099
Travel 323 323 323 323
Down Payment  19 19 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  2597 2597 2002 2002
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  1839 1140 1929  863
IRA  8285 8765 9580  9653
Brokerage  221 315 324 329
CC (largest)  0 0 0 0
CC (longest)  0 0 0 0
Rewards Card  -5300 -5347 -5675  -5247
SL 1  -102268  -102284 -102482 -102258
SL 2  -45017  -45067 -45112 -45010
Earnest  -9286 -9306 -9328 -8878
-$147390 -$147748 -$147222 -$147006
  -1.0% change -.24% change .35% change  .14% change

Have you been encouraged by small progress?

Net Worth Week 12 – A Glimmer of Progress

Gentle Reader,

This summer and year have been about volatility in unexpected places. We all watched the markets dip and rebound after the initial Brexit vote. I personally had some shenanigans at my gig, but was really encouraged by the community’s response to my attempt to get to FinCon. Y’all are wonderful and supportive. Thank you.

I am an hourly employee at my temp gig, and I had the misfortune of being sent home after a half day unexpectedly. I did nothing wrong, but they could not get their systems to work, which meant that I couldn’t work either. This will definitely impact next week’s paycheck and comes at an unfortunate time since I had worked a half-day on Monday as well. You are guaranteed nothing as a contingent employee. This week reminds me that I need to pursue FIRE to rid myself of the vicissitudes of laboring for others.

Brexit definitely impacted my retirement accounts. I’m personally on the right track, but am worried for the world in the next few years. Increased volatility hits financial markets definitely, but it absolutely increases violence in the world. I’m watching Venezuela and worrying what other countries will respond to market conditions in a similar vein.

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

Date 6/10/16 6/17/2016 6/25/2016 7/1/2016
Joy 1098 1098 1098  1099
Travel 322 323 323 323
Down Payment  19 19 19 19
retirement  21 21 21 21
health  45 45 45 45
Moving  31 31 31 31
EF  2597 2597 2597 2002
Business  1 1 1 1
Bed  .29 0.29 0.29 0.29
Life  1729 1839 1140  1929
IRA  8516 8285 8765  9580
Brokerage  226 221 315 324
CC (largest)  0 0 0 0
CC (longest)  0 0 0 0
Rewards Card  -5434 -5300 -5347  -5675
SL 1  -102120  -102268 -102284 -102482
SL 2  -44971  -45017 -45067 -45112
Earnest  -9258 -9286 -9306 -9328
-$147176 -$147390 -$147748 -$147222
  -1.0% change -1.0% change -.24% change  .35% change

How did your week go? Have your accounts already recovered from Brexit?