Net Worth Week 52 – Year One Done

Gentle Readers,
One year of tracking my net worth is officially complete!
I’ve learned a lot by focusing so intently and have had some improvements while also having some setbacks. Those setbacks would have been worse if I hadn’t been focusing so hard.
At this point last year, my business was not going as well and I was about to spend a lot of my personal money keeping it afloat. I was also in a lot of pain, but had not yet figured out how to navigate the health system to get the care I needed. My girlfriend lived in my town, but in a very high stress, high hour job. I had begun learning a new skill, but was still very much a novice.
This year, I’m in a slightly better financial situation. My business is doing better and I understand better how to make it work. My pain is diminished and I am physically stronger. My girlfriend lives over 1000 miles away, and this chapter in our relationship has already taught us a lot. My skill-building is reaching exponential-growth levels and it is encouraging. My heart is also in a much calmer position. I’ve become more centered in a few ways even as the world around me, and portions of my life, are more uncertain.
This week has had some financial setbacks. After a few days with the mattress my roommate “gifted” me, my body has concluded it needs to be replaced along with the frame that is not structurally sound. I’m not thrilled with this, but I think my body can hold off a while. I ordered the frame my brother recommended and will use that once it comes in. I was worried for 24 hours that I would have to replace my phone after it took a trip into water. Thankfully, it is back in working order for now and I can wait to replace it.
I still find this weekly exercise useful and think I’ll keep it up for the time-being. One more year ought to get me into a better place.

This week’s net worth numbers

4/15/2016 4/7/2017
 Joy 1097 1105
 Travel 322 1
 Down Payment 18 19
 Retirement 21 21
 Health 45 45
 Moving 31 285
 EF 9 11
Business 1 1002
Life 907  639
 IRA  7026  12736
 Brokerage 221  689
 Rewards Card 2 n/a -585
 CC (largest) 0  -3264
 CC (longest) 0  0
 Rewards Card -3000 -1331
SL 1 -101892 -104519
 SL 2 -45001 -46041
 Earnest -10036 -5274
 Net Worth -150230 -144460
 Percentage Change 3.84%

Have you grown this year?

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 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?