Net Worth Week 78 – Pushing Through Edition

Gentle Readers,
I visited my father, and am glad that I have the flexibility that allows me to leave quickly when needed. I’m glad I was there. Instead of his first radiation treatment, we were sent to an ER where he stayed for a few days. The visit also gave me a chance to get some information I’ll need for his last wishes. He wants me to be the executrix and that will be easier if I know what he wants.
I’m grateful that tray two for invisalign is less brutal than tray one was. My teeth are still tender, which is expected, but I have not woken up from the pain during this tray. It is definitely impacting my eating habits. So many foods are just a no-go when your teeth are this sensitive. The candy my girlfriend bought me for the stress of my father’s illness now must be very gingerly and carefully consumed.
Now I’m just trying to make up the hours that I missed at work. The visit included a last minute hotel stay that I hadn’t budgeted for.

This week’s net worth numbers

9/29/2017 10/6/2017
 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 3466  3195
 IRA  14542  14719
 Brokerage 827  855
 Rewards Card 2  0 0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6270 (BT)  -6270 (BT)
SL 1 -105849 -105965
SL 2 -46649 -46702
 Earnest -3167 -2708
 Net Worth -141602 -141378
 Percentage Change -.67% .16%

Have you ever been in charge of a person’s estate? Any tips? 

Net Worth Week 77 – Flexibility Helps Edition

Gentle Readers,
I am off to my sick relative this afternoon. I will miss 3 days of work for this visit, but seeing him before the radiation and chemo wreck havoc on him will be worth it. Thankfully, I just had to pay the cost of taxes since I still had miles available.
It’s been quite a busy week. I put my first invisalign tray in on Tuesday and it was painful. It is stillpainful, but the pain for days two and three are different from day one. I met with my client yesterday to fulfill his last minute request, and earned a little money for my business. I gave my business another loan this week to get me through the next month. Hopefully, that will be the last loan necessary. The downsides to owning a small business include needing to handle things even when your family is in an emergency.
For my relative, I have no idea how he’ll respond to treatment. If he’ll respond. So far, he is in remarkably high spirits. Perhaps my girlfriend was right to believe that my family’s ornery-nature could prove the odds wrong???

This week’s net worth numbers

9/22/2017 9/29/2017
 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 4548  3466
 IRA  14213  14542
 Brokerage 837 827
 Rewards Card 2 0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -6270 (BT)  -6270 (BT)
SL 1 -105734 -105849
SL 2 -46596 -46649
 Earnest -3160 -3167
 Net Worth -140664 -141602
 Percentage Change .49% -.67%

How many times have your miles saved you money? I think I am at 4 or 5 “free” trips so far this year.

Net Worth Week 76 – Grief Approaches Edition

Gentle Readers,
I went to the baby-shower, and was a good family-member. I  showed up, but then I got the call no one wants. A family member has a terminal illness. The outlook is dim. It is possible he could be the outlier who lives, but the odds are not high. Very not high.
This week has been heavy and so draining. It will get worse.
Next week, I will receive my first set of invisalign and begin adjusting my teeth, and I will try to get everything I can done for my business and my job in anticipation of my flight to visit my family member for potentially the last time.
Thankfully, I work by the hour in my gig. I told them I won’t be there and I don’t have to think about them when I am gone. I do have to think about ensuring I earn enough money. But that is a problem for future ZJ. Right now, I need to be near him.
This week I’ve turned to my friends, without betraying his desire for privacy. I ate in their homes and read bedtime stories to their kids. I told them of my pain and they listened. They show up for me. They provided food and a willing ear.

This week’s net worth numbers

9/15/2017 9/22/2017
 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 4107  4548
 IRA  13882  14213
 Brokerage 823  837
 Rewards Card 2 -6345 0
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  -6270 (BT)
SL 1 -105619 -105734
SL 2 -46544 -46596
 Earnest -3154 -3160
 Net Worth -141352 -140664
 Percentage Change -1.14% .49%

How have you handled anticipated grief?

Net Worth Week 75 – Babies R Us Edition


Gentle Readers,
It is almost time to pack my bag to head to the baby-shower I dread. But, my rule as a human is to show up whenever possible. Even if the family member is a schmuck. Definitely for a baby-shower, especially if the family member is a schmuck since the baby needs examples of how to be good when people are unkind.
I have now paid for nearly half of my invisalign and should receive my first trays in the next 1.5 weeks. It’s going to be more painful in the short-term, but will hopefully correct some of my TMJ. My wallet is not pleased. Since I am worried about cash-flow for myself and my business, I’ve initiated a balance transfer to give me breathing space to deal with the preliminary invisalign costs.  I will have until August 2018 to pay it off. It was approved, but has not yet shown up in the statement.
My student loan payments increase in October because I am on IBR and my income last year was higher than the year before, and I now have a monthly recurring payment for the remainder of my invisalign treatment. The last payment for invisalign corresponds closely with my last Earnest payment. It’s going to be a tight few months.
My dentist was surprised that my treatment plan is for five months. She had envisioned it closer to nine months. With her payment plan, patients pay roughly half upfront and then the remainder in equal monthly payments for the duration of treatment. If my invisalign needed longer to correct my teeth, I would have less of a cash-flow worry in the next few months. At the end of the treatment, I’ll need to pay for a new night guard to match my new smile. Unless my TMJ is entirely corrected, which is not the anticipated result

This week’s net worth numbers

9/8/2017 9/15/2017
 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 3282  4107
 IRA  13555  13882
 Brokerage 825  823
 Rewards Card 2 -3781 -6345
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card 0  0
SL 1 -105503 -105619
SL 2 -46491 -46544
 Earnest -3147 -3154
 Net Worth -139762 -141352
 Percentage Change .24% -1.14%

How much have you spent at the dentist this year?

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 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 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 59

Gentle Readers,

I enjoyed the graduation party last weekend, but got stuck in the city due to mechanical issues in my plane. Thankfully, airport hotels are comfortable enough and my job is flexible. It will make it harder to get all the OT hours I intended this week, but the travel vouchers will come in handy.  Getting out of town was a definite mood boost. I need to plan for this more often now that my girlfriend lives far away.

I had a client in my office late on Thursday. Not yet sure if they’ll hire me, but good to meet new people.
I’m excited to check out the mattress deals in the suburbs this weekend. Hopefully I can find something that diminishes my pain that does not set me too far back financially, too.

This week’s net worth numbers

5/19/2016 5/26/2017
 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 1644  1907
 IRA  12883  13106
 Brokerage 685  698
 Rewards Card 2 -1474 -2034
 CC (largest) 0  0
 CC (longest) 0  0
 Rewards Card -918 -1028
SL 1 -104693 -104808
 SL 2 -46121 -46174
 Earnest -4872 -4883
 Net Worth -140374 -140724
 Percentage Change .49% -.25%

Do you have vacation plans lined up this summer?