Net Worth Week 90 – End of the Year Edition

Gentle Readers,
I completed the first things my new client needs while also working enough overtime to get the first-level bonus. I’m a reasonable woman and did not attempt the second-level bonus because I need to sleep and feel human every day. I also gave my business another small loan. Please let it be the last.
The interview for the other government gig went really well, and I absolutely want the woman who interviewed me to be my supervisor. This will take some time because the clearance I have is not accepted by her agency.  She estimated it would take 6-8 weeks for them to process it. I emailed the forms on Thursday, so mid-February at the earliest.
In the meantime, it appears the high OT gig I’m on will continue. I confirmed with my brother who says that the plane tickets were $600. After a few weeks in this gig to replenish my accounts, I’ll get that money to him.
I received my “last” sets of trays for Invisalign. My regular dentist was on vacation, so I won’t know if she thinks I need a “correction” after these are done. I do know that I will need to shell out nearly $1000 for a new retainer/nightguard once this process is complete. My mouth and jaw have changed a ton, and I need to keep all the work in place. It has not stopped being strange to see my changed smile. I do look forward to being able to snack or eat without immediately flossing and brushing. My vanity and debt have stopped me from taking new passport photos. I’m hoping that I don’t need a correction and can take the photos/apply for a passport in the next 2 months. I need to fly overseas to meet my new family member.
Still no life insurance paperwork, if it does not arrive by the time I’m done dog-sitting, I’ll have to make some phone calls.
Christmas Eve with my favorite family definitely warmed my heart. Christmas dinner ended up just being my friend and her girlfriend because her niece was sick. Still delightful. Watching their love and comfort together deepen is heart-warming.

This week’s net worth numbers

12/22/2017 12/29/2017
 Joy 1111 1111
 Travel 1  1
 Down Payment 19 19
 Retirement 21 21
 Moving 286 286
 EF 57 57
 Business 5 5
Life 1872 1633
IRA 16077  16384
 Brokerage  861  858
 Rewards Card 2 -4269  -4200
 CC (largest  0  0
 CC (longest 0  0
 Rewards Card -5600 (BT)  -5600 (BT)
 SL 1 -105923  -106039
SL 2 -46683 -46736
Earnest -1831 -1835
 Repay brother  -600? -600
 Net Worth -144596 -144635
 Percentage Change -.77% -.03%

Are you doing anything to celebrate the New Year?

My Frugal DIY Hair Routine

Gentle Readers,

You know that I have a frugal face-routine, and you will not be surprised to learn that my hair routine is similarly personally tailored and low-cost. I spend less than $2 a year on the products I need to look fantastic.

I have a very short hair-cut and was frustrated at the amount of money I was spending on shampoo and conditioner and products. It felt wasteful. It was also just silly since none of the products did precisely what I wanted.

I have very clear vanity needs. I want to look a very particular way. I like that women stop me on the street to tell me how much they love my hairstyle. I even had a woman at my podiatrist’s office ask to take photos of my hair, because she is a stylist and wanted to try and replicate it.

Everything that touches my head is created by me.

I ditched traditional shampoo and conditioner nearly two years ago. I read around and asked my friends, and learned about the No Poo movement (a horrible name).  I thought it was worth a shot since the ingredients were simple and were things I had around my house. I was also intrigued at the idea of washing my hair once a week. Shorter showers means less water waste and more time sleeping in.

On Sundays, I wash my hair.

I have a little container I bought at CVS that holds some baking soda and water. I use a squeeze bottle with a lid that closes so it does not dry out. That’s all you need. I personally add tea tree oil,  which is good for my scalp since my hair is so thick. I don’t like the smell of tea tree, so I add in some mint oil  to have a smell I like that adds a little scalp tingle.  I pour some into my hand and scrub it into my scalp. I leave it in until I feel the tingle and then rinse it out. After that, I use a bottle that is 1/4 apple cider vinegar and 3/4 water as conditioner.  I make sure to rinse thoroughly because I don’t want to smell like a salad. Once I’m out of the shower, I warm a tiny bit of coconut oil in my hands and put it through my hair as a deeper conditioner. That’s it. My hair is clean for a week!

I like my pomade to have a little bit of shine, but mainly I want it to just let my hair’s glory come through.  My current favorite version is easy to make and much cheaper than buying a product that someone else made for me.

I use a glass bowl and a pot as a make-do double-boiler. In the glass bowl I put some Shea butter or coconut oil and then half as much Beeswax.  It melts quickly on a low heat. I stir it and watch carefully to prevent burning. Once it is all melted down, I put on my potholders and carefully transfer into a little metal one ounce container. I let it sit with the lid off until it solidifies. That’s it. My pomade is ready for 8-12 months. You only need a little when your hair is short.

The shea butter version feels a little greasier, but is nice in the winter when my hair just wants a little more love. The coconut version is my go to in the summer when looking crisp is my greater goal.

Sometimes I add an essential oil for a little scent, but not much, because I don’t want to cause anyone to have an allergic reaction around me. I try to have so little in that only someone who actively tried to smell my hair would know.

Do you make any of your own hair products? Share your recipes below.