Archive for the ‘finances’ Category

Do I Stay

March 6, 2022

Or do I go?

My upstairs neighbor has been playing horrid music all day.

All damn day.

Since 11a.m.

It is now 8:15p.m.

Non-stop, no rest, no break, hardcore electronic, thump, thump, thump bass music.

It is like living inside a headache.

How’s that meth treating you dude?

I’m pretty sure the kid is using, the hours he keeps, the loud music, the people in and out partying, banging the gate, the music that is non-stop.

He’s a DJ.

He’s actually a bagger at Whole Foods, not to disparage anyone in any service industry, but he’s a hobbyist.

Not a real DJ.

Or, not a DJ with any fucking talent.

Then again, even the best DJ on the planet might stress me out if I was listening to it non-stop without being able to turn it off for nine hours.

I’ll get a reprieve at 10p.m. when we play our nightly routine of chicken when I give him a few minutes to shut down the damn system, noise ordinance, and then go out and stridently ring the door bell.

He never answers, but the music does tend to stop.

Not always.

But a few complaints to the landlord–seven emails documenting time of day and levels of noise (anywhere from 12:30p.m. to once at 4:30a.m.) including me recording how loud it was with my phone and sending that in–a complaint filed with the city and calling the cops three times, has helped a bit to get him to comply with turning off the system.

Normally I’m not in my damn house all day, except when I’m in my home office seeing clients during the work week on video, and there are a few weekdays he obviously is not working–Tuesdays and Thursdays, when it’s going off all day long.

But today.

Ugh.

Today I was in the house all day long.

Not my happy place for a weekend day.

But I hurt my back a couple of days ago.

Fuck me.

I am getting old.

I pulled a muscle in my back and it has been a screaming nightmare.

I mean.

Ok.

I exaggerate a little but it has been really painful.

I got it, sigh, hopping around putting on a pair of leggings.

Ugh.

It just went out and I screamed and said, “no!” really loudly.

It was also, wait for it, the first day I was going back into office to see clients in person.

Fuck my life.

I hobbled to my office.

I have hurt my back in this same place before and know that the muscles there are not great.

The first time I injured it was back in 2005 and it was a dozy.

Like super fucking bad.

I didn’t pull a muscle then, I tore a muscle and it took so long to heal.

I couldn’t bend over, I couldn’t lift anything more than 5lbs for literally six or seven months.

I walked with a fucking cane for five months.

It was horrendous.

This was not that, but it spooked me, it was too close for comfort.

So I knew I had to take it easy the last few days and fortunately there has been some recovering, I certainly did not tear a muscle, I have been able to lift things and move around, although watching me put groceries away would have been a hoot if you had seen me trying to get things in the fridge.

Lift with your legs!

I got down too low at one point and just threw things in the fridge.

I also couldn’t load the bottom part of my dishwasher, so doing all the dishes by hand, luxury problem.

And let me not forget the agony of changing the cat box out.

Good grief.

Today I tried to go out for a walk and realized that I had been over compensating with other parts of my back and now the middle part and my shoulders are fucked up.

Gah.

So I just did a very slow mosey around a few blocks and came back home.

I got nestled on the couch with lunch, a heating pad, a book, a cup of tea and just stayed there the whole day.

Around 5p.m. I had had it with the music.

Remember the part about being inside a head ache?

Yeah.

I tried to nap and I couldn’t.

The music was just too much.

So.

I thought, well, hmm, maybe it is time to move.

All my requests about lowering the music have been pretty snubbed and I have kept telling myself, you’ll wait him out, he’s a kid, he’ll move soon, I have invested a lot in my home and it’s lovely and cozy and I don’t really want to move.

Although I could stand a little more natural light and a little less street noise to be honest and my utilities here are pretty high–it’s not really an energy efficient apartment.

But.

It’s a five minute walk to my office.

And I just started going back into my office.

And I like the location.

But.

Headache.

Pounding headache listening to this crap all day long.

So.

Craiglist.

And low and behold what is this?

https://sfbay.craigslist.org/sfc/apa/d/san-francisco-one-bedroom-gem-in-one-of/7450255496.html

Why look!

(UPDATED EDIT: I just went back to Craigslist after listening to more horrible music and thinking, yeah, maybe it is time to get the hell out of here and the ad changed! The ad fucking changed. It was listed for $2600, after I emailed my landlord the ad changed to $2750. I’m being gaslit, this happened to me when I saw my apartment when I moved in, I believe my landlord did a bait and switch putting an ad on Craigslist for $2750 which is what I had my filters set to on the site and when I came to see it, he showed me the ad for $2850, which is what my rent is, I was seriously confused but I also needed a place so I took it. And fuck, I should have taken a screen shot. GRRRR. I imagine there’s going to be a very interesting email tomorrow from my landlord.)

It’s the apartment across the way from me.

Which is literally the same size square footage as mine.

FOR $250 LESS!

Now it wasn’t always $250 less a month then my place.

No.

When it first went on the market they were asking pre-pandemic San Francisco rent: $3300/month.

They never got it.

The apartment has been empty now for about a year.

The rent dropped to $3100.

Then to $2950.

Then to $2850 about four, maybe five months ago.

How do I know this?

Because I have gone on Craigslist more than once in frustration around the noise of the music.

And the apartment always pops up in my search.

So when I saw it today I was livid.

What the fucking hell?

I furiously texted a friend, I perseverated on it, I pulled out my SF Tenant Handbook and I looked up negotiating a rent decrease. I Googled some articles.

I debated inside my head.

All the while listening to DJ Douche Bag.

My fond moniker for my upstairs neighbor–who fyi is not the master tenant, he moved in last May and has been a freaking nuisance since then.

I know he certainly doesn’t pay as much rent as I do.

And I decided.

Fuck it.

I’m writing the landlord.

I let him know that I needed a few maintenance things done at the apartment and then I made the request.

I let him know I wanted to renegotiate the rent (I had tried once last year in August and he shut me down but said he wouldn’t raise the rent this year).

I reminded him of the obvious, I’m quiet, amiable, pay my rent on time–actually early I literally pay the rent every month on the fifteenth for the upcoming month as this is when I get paid.

I’m a solid tenant.

I also said that it was unreasonable for me to be paying substantially higher rent than that which was being offered to a new tenant to the building and I asked for my rent to be lowered to reflect the rent being offered in the ad.

I also offered to sign a longer lease, 2-3 years, if that would help.

I actually don’t want to move, it’s a fucking hassle, but if the apartment across the way is being rented for way less then what I am paying and the noise upstairs continues.

I’m out.

Despite what I hear on the street about rents going up it doesn’t seem to be that way and the fact that a one bedroom in Hayes Valley in a rent controlled building has been on the market for over a year tells me all I need to know.

It’s time to lower the rent.

Right damn now.

I don’t believe the house party is going to stop upstairs, but if I was paying $250 a month less in rent I do believe I could tolerate it a little better.

And if my landlord isn’t amenable.

Cool.

I’ll be on the market for a new place.

Let me know if you know of anything.

Sans DJs.

Take One Step Towards

August 9, 2019

The Universe and the Universe throws hella new clients at you!

Holy crow.

Last Thursday I took a, for me, leap and connected with a woman who has an office in the same building I have my therapy office in.

She had tagged me in a post on social media about having office hours available.

I was really interested in one of the days, but, also, well, nervous, can I take on more rent?

I brought it up last week in Group Supervision and my supervisor interrupted me and said, “Who here thinks that Carmen should rent the office?”

Everyone raised their hands.

EVERYONE.

Ok then.

One of the members in my group succinctly pointed out that I have been steadily adding new clients and building my practice.

At the time of the conversation I had 15 clients.

I had 16 but one client moved.

And.

My group member was right, I have steadily increased my client load and I had the sense of “if you build it they will come.”

So  reached out that day and sent a direct text and inquired.

I got a response that it was available, but/and two other people had expressed interest.

Shit.

But they hadn’t confirmed.  I was adamant that I wanted the office, especially when I found out what the rent was and it was much less than I thought it would  be.

She said to be fair she would re-contact the interested parties and see where they stood and then let me know.

I thanked her and realized that I was ok no matter what happened.

Sure.

I wanted the office space, but really, having taken the action of just reaching out really felt good and positive.

Take action and let go of the results.

She got back the next afternoon.

I got the office!

Apparently my vigorous yes to taking the space swayed her and that I was ready to take on the space this month.

The lease is all drafted and dealt with–connected her to my agency and I get the key tomorrow!

I start with a client in the space next Monday.

I am using it for a client that had to cancel a standing session.

It was so nice to be able to offer the alternative space.

Then it gets crazy.

After the phone call with my new landlord I have my individual supervision and I excitedly share with my supervisor about the new office.

She is surprised and happy for me and adds that she knew I was interested in extra office hours but she didn’t realize how serious I was about it and would I also like to have Thursdays in the office?

HOLY SHIT.

My individual supervisor is also my landlord whom I sublet my office from, we share the office space.  She recently became core faculty at CIIS, my alma mater (my current “mater” for that matter, my PhD intensive is two and a half weeks away!) and has cut back her office hours.

Whoa.

I knew that was happening and I had soft ball pitched wanting extra office hours about a month ago but it didn’t seem like it was going to happen.

Until it did.

She told me to think about it and let her know.

I clapped my hands in glee like a small child in front of birthday cupcakes and said “yes!”

And like that.

I have office hours now Monday-Saturday!

My hope is that once I fill up on clients I will actually be able to stop seeing clients on Saturdays.  I need to right now, I see four clients and that’s a good chunk of change.  But if I can fill up the weekdays I can transition out of working Saturdays.

I haven’t had a full weekend off in years.

Literally.

I have been working six days a week and going to school full time for the last three and a half years.

I am so ready to have my weekends back!

Granted.

I will likely be working on my PhD, but who cares!

Weekends.

And!

I have a potential new client for next Thursday.

That part about saying yes to the office and yes to the Universe, well apparently the Universe heard and I got four referrals yesterday from Psychology Today as well as a referral from my individual supervisor.

I made contact with three of them, leaving the others messages but not hearing back.

I did two phone consultations yesterday, immediately landing one new client.

I also did a phone consult tonight and again, landed the client!

I have another phone consult tomorrow early evening in between clients and feel very positive about it having already made good e-mail connection.

I am over the moon.

I now have 17 clients!

My goal is 30 and then I can stop nannying.

I am so close.

I can almost taste it.

My charges can too, the little lady tonight asked me when I was leaving and I knew it wasn’t about when I was leaving at the end of my shift.

I told her not for a while yet, she was probably going to get me for another five or six months and I was planning on always being in her life and that rest assured she was my favorite client.

She gets very jealous when  leave to go see my clients, let me tell you.

My goal is six months tops.

I would love to be done by the end of the year, that has always been my original goal, but I figure I will just say six months from the first day I am in my additional office.

So by February 12th of 2020 I will be done being a nanny.

Fingers crossed and the river don’t rise.

Bring on the clients.

I am ready.

Happy.

Joyous.

Free.

To not be a nanny anymore.

Blue Hawaii

March 28, 2019

And Paris without you.

God damn it.

I’m still pissed at you.

Granted I have my own self to blame for that.

I should not have gone on social media.

I had you blocked.

Not because I was worried about you seeing me, no.

I didn’t want to be looking at your photos.

And I did it anyway.

I looked last night.

I know you’re in Hawaii and I knew you were going to be there and I had to look.

Ugh.

Wrong.

Wrong.

Wrong.

It doesn’t help that I want to go to Hawaii with you and that the trip I have tentatively planned for July has your name written all over it.

Or that I have thoughts about you in the ocean, swimming, your eyes wet and blue.

I’m so angry still and I’m still so damn sad.

Not as much.

Not every day.

And so, of course, the person to be angry with is me, I know better than to go onto social and look up your photos.

It hurts.

No more of that.

Although, why?

I can’t figure it out, a photo of us pops up every day, every day on my computer despite closing the photo app.

Every day your blue, blue, bluest eyes stare out at me as I see us on the red leather couch in the Air BnB we rented in D.C.  My eyes are closed, I’m kissing the side of your face and you have your arm wrapped around me.

Sometimes the photo makes me jump.

Sometimes I forget it’s there.

I have shut down the computer, restarted the computer, closed the app, and it just randomly pops back up.

Can’t get away from it and I use my computer all the time.

I mean.

Fuck.

I am working on a PhD I drag the damn thing around like it’s a security blanket.

And there you are, sweet face and dreamy and I know that we were in front of a fire and the color of your eyes and the shape of my face, and my hair tumbled down around my shoulders.

Ugh.

It hurts.

Not as bad.

I will admit that.

Things haven’t hurt so awful in the day-to-day.

Get me in my therapy sessions and I’m a fucking mess, but hey, that’s therapy and I leave it there in the wet balls of crumpled tissues streaked with mascara.

I joked with my therapist this past session that my tears must be some kind of napalm right now as I have tried three different kinds of waterproof mascara and the shit just slides off my eyelashes when I cry.

I yelled at you tonight.

In the car.

On the way home.

Thinking about you on an island and me here and then I’ll be going to Paris and well, fuck, you’re supposed to be in Paris with me.

Damn it.

We were supposed to do Paris.

You know it.

I know it.

Fuck.

Fuck.

Fuck.

Paris, baby.

You were supposed to go to Paris with me.

I hella splurged too.

I mean.

I got a place to stay, cute, bohemian, arty, obviously someone who was an avid flea market shopper, and I got a great deal, super cheap, $1,000 less than most of the other places I was looking at.

So I booked it.

And alas.

The woman got back to me and said she wasn’t able to let me rent it as she was going to be in Paris for Christmas.

Oh well.

I went back and looked some more and I looked at hotels and I really had to think about where I wanted to stay and why.

I wanted to make sure I was in the Marais, my best friend lives there and it’s my favorite part of the city and very central.

Hotels were not cheap and I went back to looking at Air BnB.

This one place kept calling me back and it was more than I wanted to spend, but then again, I knew I had the money in savings to cover it, I’d have nine months to save up more, I deserve to stay somewhere nice, the last two times I stayed in Paris I stayed with friends and didn’t pay for accommodations and the time before that I stayed in a hella cheap place and regretted it almost immediately.

I kept going back to this listing and then I said, fuck it.

I’m booking it.

It’s where I’m supposed to be and I’m going to let myself stay there.

Gorgeous tapestry wall paper.

Fireplace!

Full kitchen.

Dining area.

Plus red velvet chairs.

Couch with a red velvet throw.

Separate bedroom up this sweet curving stair case.

Big huge bed under the eaves.

Gigantic bathtub in the room!

Bathtubs are a rarity in French apartments, so to get one and it’s big, huge luxury.

It’s super pretty and I’m super grateful I booked it and I paid for the whole thing up front.

Done and done.

I was so excited when I booked it the night before last.

And then.

Tonight.

I wasn’t.

I was hurt and angry and thinking about you and your vacation pictures and I just yelled at you in the car, how we’re supposed to be in Paris together, walking the streets, eating all the food, cheese, chacuterie, drinking all the coffee, snuggling on the red velvet couch, having sex on the red velvet couch, the bed, the floor in front of the fire-place, the bathtub, meeting fellows in church basements, seeing all the sites, making out in public, holding hands.

I wanted to take you to the one cafe I know about in the 11th that’s super good and order food for you in French and then happy and replete I would walk you along the Seine to look at the Eiffel Tower when it lights up with glitter lights.

Damn it.

We were supposed to do Paris together.

I know that the sting will wear off, I mean, my trip is not until December, but right now, I feel hurt and sad and yes, angry at you.

Oh God.

The places I wanted to take you.

A walk in Pere LaChaise cemetary.

And the L’ile des Cygnetes, Island of the Swans, in the middle of the Seine, that has one of Statue of Liberty models on it that the artist did as he worked on the scale for the one sent to Americar.

Oh.

And all the outdoor markets, buying cheese and fruit and bread for you.

I wanted to take you to the amazing restaurant in Belleville that my friend took me to last summer and then go to Le Chat Noir and do the Paris Open Mic and recite you poems I have written about you.

But I won’t.

I won’t be doing any of those things.

I’ll be taking a bath under the eaves of a mansion on Rue de Parc Royale.

A bath with bubbles.

And I will sit in front of the fire and fingers crossed, not be sad to be alone, again, in Paris, without you.

 

So Good

January 30, 2019

To be home.

My God.

So good.

I’m super grateful I went to the intensive and I reconnected with all the folks in my PhD cohort, don’t get me wrong, but fuck, I was ready to get the heck out.

I cannot wait to sleep in my own bed again.

Five nights in a hotel in Burlingame is not exactly my cup of tea.

Granted.

I got super lucky, again!

I had no room-mate.

Although I had been assigned to share a room with another woman, I did not pay the extra $702 to have  room to myself (there were quite a few who did drop the money, but I really couldn’t see doing it) to have it to myself.  My room-mate just never showed up.

Not sure why either.

The name of the person was not someone who I knew from my cohort, which meant I would have basically been bunking with a second year person.

Which isn’t horrible, it would have just been an unknown and another layer of the experience.

Grateful as fuck that I had the room to myself and I didn’t have to pay the extra to be alone.

It was nice to sleep and do my thing at my own schedule.

It was nice to get up in the morning and shower without having to be concerned about a room mate or another’s sleep schedule, or wearing pajamas to bed, I sleep in the nude thank you very much.

It was lovely to have the quiet, especially as I have been incorporating a fifteen minute meditation into my morning the last few days.

I had a friend suggest an abundance meditation and I started doing it the first morning of the intensive.

I do a little reading, mull on the reading, then sit and meditate and after words write down what comes up.

Sometimes my brain is just too busy, but I have found pretty consistently over the past five mornings that I have felt more abundance and my flow and I have felt more generous, both with my money and with my time.

I definitely can suffer from a scarcity mentality and I feel like I have worked a long time on turning that around.

Now I want to bring more abundance in and that means conversely being more generous.

Faith.

Not fear.

I’m grateful for that.

I found myself tipping more at the intensive, offering to get things for people, more coffee when I was doing a refill for myself, asking others what they needed, buying flowers.

That experience was really sweet actually.

The second year students had their last intensive, there’s four in total for the program if you’re on the two-year track, six if you’re on the three-year track.

I am on the get it done as fast as possible track, two years of course work, instead of three years.

It means that once again I am full tilt boogie for the semester, but having survived the first semester I feel like I have a slight leg up over the person who walked in pretty blind last semester.

Granted, I still did have an anxiety attack the third day of classes going over my third class syllabus and realizing how much the professor wanted of us.

But, I managed to not die and a dear friend reminded me that I had a near panic attack last semester going over the syllabus in my third class too.

So I was right on time.

Lean into the process.

Fuck.

He was right.

And I got through it.

So it was nice yesterday to have a big chunk of time, I had my elective scheduled on Sunday, to run around a touch and get out of the hotel and go get flowers.

I had been tapped along with two other women to do the adieu ceremony for those in the program who were moving on and wouldn’t be with us next semester.

They will instead be doing the independent research that they need to do to get their dissertations done.

I drove my car into downtown Burlingame and went window shopping and walked around.

Downtown Burlingame is surreal, FYI.

It was like a big outdoor mall.

Very little that felt unique or town like, although there was a town like sort of structure to it, it felt like a big suburb.

It was nice to be out though and considering that most of my time I spend in San Francisco, it was nice to see something new, granted, not my cup of tea, but still seeing new things is good.

I won’t be going back anytime soon, unless they decide to do the next intensive in Burlingame too.

It’s hard to say, the place that the school had been doing them is under a huge remodel and may not be ready by next fall.

Anyway, I had fun window shopping and got a few new lip glosses at Sephora and then got flowers to give to the outgoing cohort.

We had a little ceremony later that night and I have to say I was super happy that I had made the suggestion to get flowers and then went and got them, it felt right and it was so sweet to see how touched the outgoing students were.

I like this kind of generosity.

I like bringing happiness to others.

I do like feeling in the flow and in abundance.

And I realize, quite well that when I am in scarcity I tend to hold too tightly to money or objects, afraid to lose what I have.

But it’s really hard to accept what is trying to be given to me if I hold on too tightly.

Giving back, being generous, even in small ways, seems to shift that for me and I found that I felt really positive and good in my interactions with my cohort and the second years moving on.

I also participated a lot more than I did last semester.

Sat longer at meals and talked more.

Participated in the talent show.

Made myself known.

Sure.

I also ducked out of going to the bars and grabbing margaritas or drinking wine with the ladies after class and went to my room and read, but I really did try to socialize a lot.

It was good.

I am proud of myself for getting through.

And I’m ready to go back to “normal” life.

Heh.

Busy life.

Full on tomorrow, work and three clients after work–I had to reschedule some of the folks that I had not been able to meet with for having been out-of-town.

Plus!

I picked up two new clients while I was at the intensive, which was really cool.

Anyway.

Grateful to be home, it’s home, and my bed is going to be a miracle, I can tell.

And I’ll do my best, I think I really do want to do that for you and for me, by writing my blogs as often as I can.

This week I’m pretty caught up on my reading and ready, but I know there will come a time when I fall off the face of the earth for a while.

Don’t worry though.

I will be back.

I promise.

I love this too much.

I really do.

Little Gold Star

January 20, 2019

Today I got my 14th star tattoo.

14 stars.

14 years of being sober.

I decided I need to give myself a gold star.

It’s been that kind of year.

When I reflected on all the things that I went through and all the places I’ve been, I think that I definitely earned it.

This past year I traveled to DC, New York, Paris, and Marseilles.

I graduated with a Master’s degree in Psychology.

I went through a buy out and moved.

That was some serious stress let me tell you.

I also started a private practice therapy business.

And.

A PhD program.

I also got my grades back from said program.

All “A”s.

ALL.

I was a little surprised to tell you the truth, I had an issue with a final paper I turned in for one of my classes and I didn’t think it was going to fly, the paper, that is–I digressed from the specific instructions the professor gave and did rather what I wanted to do.  It was the only paper for the class, although there were so many discussion posts that I feel like I actually wrote seven papers for the class, and I ran a huge risk doing it.

The risk paid off.

So, yeah, a gold star felt really appropriate.

2019-01-19 20.54.20-2

Yes.

It did hurt.

And it felt really right and I was, obviously, very happy with it.

Not only was I pleased with it, but it filled out the space perfect.  I am very satisfied with the way all my tattoos look and really have little desire to put anything else in that area.

Not sure where I’ll put the 15th, but let’s just let me focus on the 14th star.

It really was quite a year.

I walked through some really challenging things and came out the other side.

I reflected on a lot of that today as I went about my day.

I saw clients at my office, did lots of writing, read for one of my upcoming classes for this next semester (school starts next Thursday!), went to Let it Bleed on Polk Street, got an iced coffee for a treat, walked around the Tenderloin and took graffiti photographs, caught up with my friend DannyBoy at the shop, took myself out to lunch in Hayes Valley, had a coffee with a friend in the Mission at Maxfield’s House of Caffeine, went to Divisadero and got my nails done, and then hit my Saturday night commitment and did the deal.

It was a day.

I’m really happy with my life right now.

Oh, sure, romantically it’s strange, but you know, that will work itself out.

Or not.

I have ceased (fighting anyone or anything) trying to figure it out.

I’m just showing up every day and taking care of myself and I feel really good about what I did today for myself and my own care.

I also thought a lot about what I want to bring forward for this next year.

Get through the next semester of classes, add clients into my private practice, travel.

I also want to get through the Below Market Housing Homeowners workshop.

I really am going to go after buying a house in San Francisco.

My friend whom I met for coffee happens to be a realtor and we spent an hour going over what I need to do to get myself in line to actually do that.

She gave me a good idea of how much money I will need to have saved up, which will take some time (or not, who knows, money may fall out of the sky) to save, but I can do it.

Plus that I should get a credit card.

Which I’m not super stoked on the idea.

I had one that I’d gotten last year and then never used as it made me uncomfortable.

But.

My friend insisted I was really going to need a credit history that showed me paying off a card.

She said get one, pay it off every month and always pay more than the minimum payment.

If I do get another card, and that’s an if, I will definitely not let a balance roll over.

I just do not like the idea of having any credit card debt.

I do, however, like the idea of having a good credit score and something that shows I am a good risk for a home loan.

I shall take it under advisement.

I actually tried to re-open the credit card I had closed but I could not figure out how to do it and just sort of set it aside tonight when I got home.

I feel like I did a lot today just by sitting down and talking about it.

I will manifest a house in San Francisco.

See if I don’t.

In the mean time there is plenty of other things for me to do.

I do want to keep a soft focus on it though, always have it in my mind and see where I can expand my awareness of abundance.

I am continuing to practice that opening up to the universe, to the flow, to God, to abundance, I have continued to give away a little more than I typically do.

More tip in the tip jar, more money in the basket, continuing to pay my bills within 24 hours of getting them.

And!

Oh my gosh, this is definitely part of the gold star, I got approved to become an employee at my internship.

Which means that I will start bringing in more money.

I am so psyched about that.

I’m excited for this year.

I feel like all sorts of incredible things are going to happen.

I really do.

Faith.

I like that.

Faith, abundance, joy, honesty, integrity, serenity.

Words to live by.

Principles to underpin my gold star.

And!

Love.

Let me not forget that one.

Never forget that.

Seriously.

 

What Would You Buy

January 8, 2019

With one dollar?

He asked me to write it down on the note card.

Then he asked what would I buy if I won $10, then $100.

Then $1,000.00

And $1,000,000.00

And also.

$10,000,000.00

My friend had talked me into buying a couple of lottery tickets right before New Years, he always does around New Years and at first I balked.

“You’re one of those people,” my friend told me, we were just leaving Reno.  She had been working at a casino in Wisconsin and was driving cross-country with me to help me move to San Francisco from Madison.

“What do you mean?  I’m one of ‘those’ people,” I asked, but you know in my head I think I sort of knew.

“You’re one of those people that they warn us about at the casino,” she finished.

“Really?  Come on, how can you tell after twenty minutes of me playing slots?”  I asked skeptical, but as I mentioned, perhaps there was a little inkling of knowing what she meant.

She broke it down and yup, I pretty much qualified as one of those people.

I still do.

Which is why I’m pretty careful about not gambling, playing the lottery, buying scratcher cards, going to Reno or Vegas for a fun weekend of playing slots.

Nope.

Something inside gets a little wacky.

Gambling can easily become an addiction and I found out later in life that my mom had a gambling addiction in addition to a few other things.

Some things run in the blood.

So when my friend was like, hey just buy a lotto ticket, its tradition, I balked at first.

Then.

He explained himself and I thought, ok, maybe.

I bought two.

I didn’t win.

But for a day or two occasionally I would think about what I would do if I did win.

Pay off my student loans.

And my best friend’s student loans and probably a few friends in my Masters degree cohort too.

I would definitely quit working, as a nanny, I’d still work as a therapist, I think its important to give back and I’m a good therapist, and I think that having something constructive to do is important.

I would travel a ton.

I would go to Paris and take the Belmond Simplon-Orient Express from Paris to Venice.

And I would upgrade to the suite, which is 3,500 Euro for one way.

God it’s a pretty train, all art deco and fancy and stuff.

Then Venice.

Which I have always wanted to go to and have not made it there yet.

I would get skin reduction surgery for the excess skin I have from my weight loss.

I would buy some pretty clothes.

I would buy a flat in Paris.

I would buy a house in San Francisco.

I would buy a house in San Francisco.

I’m going to buy a house in San Francisco.

I have been writing an affirmation now for a few years every morning in my writing that goes something like this, “I own my own home in San Francisco.”

It really has seemed a bit of a pipe dream, even though I had someone tell me to look them up when I entered my Master’s program when I was ready to buy a house.

She was assuming I would eventually come into a decent amount of salary becoming a therapist.

I’m not quite there, but I am beginning to taste the reality of it.

I actually think I can buy a house.

I really do.

Even here.

In the most expensive market in the United States.

This feeling is pretty new to me, only having happened in the last 24 hours.

Yesterday I had  a huge resentment surface around my current landlord.

There is a gigantic water leak in my hallway entry, a leak that was not just drip, dripping, but literally soaking the hallway to my studio.

Granted.

There is not an actual leak in my studio, it’s dry, but the hallway from the entry door to the studio is sopping wet and my landlord happens to be a contractor, I was aghast when it happened a couple of weeks ago and even more so yesterday and the day before.

I got angry about it.

It’s pretty obvious that he’s not doing a thing about it and it’s rather disgusting to walk through.

That and I’m pretty sure, though I haven’t quite figured out what the correct amount is, that he’s overcharging me utilities.

I made a call to the Tenant’s Union last night to go over a few things–like I don’t have a heater in the studio, which I found out was illegal, and it’s been super cold.  I bought out-of-pocket a space heater, but it doesn’t seem much of a solution and apparently my using it is blowing up the utility bill.

Something smacks weird in all this and add-on to a few drunken loud parties, pot smoke in the garage leaking into my bathroom, and some domestic fights that I have heard and I had pretty much made the decision yesterday that I was going to honor my lease but after it was up, get the hell out.

It’s just not quite the right fit.

It’s better than what I had and I will be honest I looked past one red flag that I probably shouldn’t have.

I did some inventory around it and discussed it in detail last night before doing the deal up in the Castro.

One thing that came out is that I have been practicing faith around my finances instead of fear, I have for a few weeks now.

The buy out monies that I pre-paid the first six months of rent will run out in February and I will have to pay rent out of my pocket and I’ve been concerned.

Afterall.

It is $1,000 more than what I was paying.

So I have been doing contrary actions.

Tipping more when I get a coffee or going out to eat, and I’m a good tipper (once service industry, and I did it for two decades, always service industry), giving a little more when asked, paying my bills early, making a car payment when one isn’t yet due, etc.

Believing that I will have enough and acting as thought there is more money coming in.

Yeah, I was miffed about the utility bill and my landlord saying I owed more, I mean, dude, you owe me a heater in my unit, you should pay the fucking bill, is what I wanted to say, but I also did restraint of tongue and pen and text and figured it would be much better to talk with the Tenant’s Union before I talk with my landlord.

I just paid the bill, wrote a check, and I also said, I’m still going to use the space heater.

The studio is god damn cold.

It’s winter.

It’s been a cold winter for San Francisco and the unit is not insulated, so even when it warms up it doesn’t hold it for very long.

Anyway.

After I got my anger out and had a good talk and then listened to a good talk, I said I was going to have the faith that I didn’t have to actually look for a shitty place, I will be able to afford something better.

Then my person said, “why don’t you just buy a house?”

I was like, Jesus, you’re right!

I am going to buy a house.

The lottery ticket, like I said didn’t yield a win, but it did put the desire to be a homeowner square in my face and I have thought for a long time that I might be crazy, but somehow I was going to end up owning a house in SF.

San Francisco has a Below Market Housing lotto for new homes that are built to accommodate those in the city that can’t afford to buy market rate houses.

I have to attend six hours of workshops and do a 1 on 1 counseling session before I can enter the lottery, but once that’s done, I can apply to every listing that goes up.

Guess who signed up for their first workshop last night?

Yeah.

That’s right.

And I have this feeling.

I really do.

I am going to buy a house.

And it’s not that far away.

I can feel it.

Seriously.

 

Get Paid

January 5, 2019

It’s not going to be a lot.

But it’s going to be something.

Two things.

First I got a raise at the beginning of the year, 5%, which is lovely, and will go into effect my next paycheck.

The amount that will show up on my actual paycheck is pretty small.

Still, anything is helpful.

And.

I applied to become an employee with Grateful Heart last night.

Currently I am what is called a “volunteer.”

I don’t get paid anything.

My clients pay me and I deposit that money into a one way account.

Grateful Heart administration is the only entity that can withdraw anything from it.

I can’t touch it.

I recently turned in my hours, client hours, and how much I took in, to the administrative team, which keeps tabs on all the therapists in the community and double checks the accounts against the reporting that is being done.

I am scrupulous with the money coming in and I have documented everything correctly.

The fastest a new Associate Marriage Family Therapist can become an employee with Grateful Heart is three months.

January 1st marked three months for me with the agency.

I applied on January 3rd after reporting my client hours and income for the month of December.  I have to do it once a month and as I noted, it gets matched against the bank account.

Their policy is that once a $1,000 prudent reserve is met and three months of income have been established a volunteer can apply to become an employee.

I should get approved pretty quick.

Fingers crossed, we have had some administrative changes recently, new hires, etc, I can’t believe it would take a lot of effort to look over my accounts and verify that I have what it takes to become an employee.

I am not bringing in heaps of money.

But.

I am bringing it in.

In fact.

Applying for the position actually showed me how much I have been doing in regards to establishing myself as a new therapist in the community.

In my first month I brought in $700.

In my second month, $1700.

Last month, $2400.

My rent gets taken out and a hefty ($350) administrative fee, the rest is left in my account, which has begun to actually accrue some funds.

I have more than met the prudent reserve and I have money that I could actually be collecting.

For myself.

Like real income.

They have a formula to help you figure out what you can take out without dipping below the reserve and also that I have to be paid the minimum wage for the hours I claim.

Minimum wage in San Francisco is $15 an hour.

So basically I will get paid slightly less than half my nanny wage.

Ugh.

But.

I will be able to increase that fairly quickly, I believe, and I will, once I become an employee, be able to get compensated for office costs.

I will also get reimbursed for my own therapy.

And that money will not be taxed or charged the 12.5% fee that Grateful Heart will also start taking as soon as I become an employee.

So, rent, administrative costs, and 12.5% goes to them and I get the rest.

It is not enough to live on by any means.

However.

It is more coming in and since my rent is a $1,000 more a month than it used to be.

(ugh)

It really will help.

Especially getting the money back from my own personal therapy.

It made me sort of chuckle when I thought about it.

I’m doing therapy to get therapy.

Heh.

I was required by my Master’s program to work with a licensed MFT and I could have dropped her and the therapy once my program ended, I worked with her for a year.

But.

It’s been helpful and I sense that it’s better for me to stay with it for a while yet.

It’s been very supportive of my transition with school, the PhD program, moving, old childhood trauma, family of origin issues, etc.

So, I’ll keep doing it and getting some money back to pay for it will feel really nice.

I’m feeling a lot of relief knowing that some more income will be coming in and it’s also a nice way to see that all these years of work is actually beginning to pay off.

Not a lot of pay off.

Yet.

But it will happen.

I had set an intention on my birthday last month that this would be my last year as a nanny.

I will have 25 full fee, weekly, seriously committed, wonderful clients who I get to help and empower by the end of this upcoming year.

25 is the number of clients most therapists aim for.

One could do more, but you court burn out.

It’s a lot of work to show up and be present for people and listen and reflect and use theory and trainings and bear witness to trauma.

Horrible trauma.

And it’s a great gift too.

I am a good therapist.

I really am and I am proud of the work I have done to get where I am.

I’m excited to help more people.

I’m happy that I have a career.

Not that having been a nanny hasn’t been a beautiful career, it just has an end and I feel it coming close.

I’ve been doing it for 12 years.

Amongst some other things, but mostly nannying.

Which is its own kind of therapy, when it’s done well, I believe.

I have been out to the parks a lot lately and I’ve been finding myself really judgmental.

I draw kids to me like flies, I literally had my little girl charge today (alone most of the day, three parks, Souvla for lunch, two toy stores for stickers, balloons, ice cream from BiRite Creamery with rainbow sprinkles) up at Dolores Park and at one point found myself surrounded by five little monkeys demanding snacks.

Friends of hers from her private school.

It was adorable and also intense.

Good thing I had packed extra snacks.

Kids love me and I them, but sometimes it becomes quite obvious when  a child isn’t getting their needs filled–emotional, physical, intellectual–and like a heat seeking missile they will go to someone who does.

That was me a lot today.

I just wanted to shout out, put down your Iphones and pay attention to your children!

But.

I didn’t.

And I’m glad I didn’t, it would have looked rather untoward.

If I’m honest too, my current family hired me because the mom remembered seeing me at the playground with a former set of charges and something similar happened.

She told me later that she realized I was a treasure and that she had been ecstatic when she found out I was going to be available.

Anyway.

Here’s to drawing clients to me like I drew children to me today.

I also have to say, when I really let myself acknowledge it, children are honest and if they like you it says a lot and if they trust you it says a lot too.

I was trusted a lot today at the parks, I got to be surrounded by much happy love.

Which is beautiful and I hope that I will in turn pass that along to the clients I get to see tomorrow, and all my days thereafter.

 

Ouch

December 2, 2018

My poor mouth hurts.

I am in a lot of pain, but I know, from last years experience, that it will get better.

I had to get another crown put in.

I cracked, yet again, another tooth.

This is tooth number two.

My dentist told me that I am grinding my teeth in my sleep.

Great.

I’m not stressed, really.

Bwahahahaha.

Sigh.

So, two weeks ago I got a temporary crown.  What had been an appointment for a teeth cleaning became a three-hour session in the chair.

And cost a fat $1475.

Then today, two weeks later, I got my new crown in and dropped another freaking $465 to get a mouth guard because my dental insurance doesn’t cover mouth guards.

But I tell you what.

When my dentist says I need a mouth guard or I run the risk of cracking more teeth and having to get more crowns, I’ll fucking pay it out-of-pocket.

Happy birthday!

Merry Christmas!

Yay.

Dental work.

Oh well.

At least I had the money in my account to just pay it out with cash and not freak out.

I wanted to sort of freak out, but I don’t have to.

I still have some student loan money left over to get through the rest of the semester and I will be alright.

I always am.

There was a time that dental work of this nature would have blown me out of the water, but I have a touch more experience with padding my bank account with my student loans.

I told a friend today what my student loans were at, around $104,000 and he blanched.  He’s also from country that doesn’t charge its citizens to go to school, so he’s not really accustomed to what it means to be an American with a great big heap of student loan debt.

I don’t care though.

My education is worth it and hey, I took out a big chunk to help with my move into my new place and I have no regrets about it.

I am interning at a non-profit and plan on working for them for the ten-year period that the federal government asks one to do if you want your student loans forgiven.

I can do that.

So it’s ok if I have them.

And yeah, they’ve helped with more than just paying tuition at my super expensive school.

I’m worth it and I still get to live in San Francisco.

So, there’s that.

I’m not on any pain killers for the tooth though and it feels big and hot and ouchy in my mouth.  If I remember correctly from last January it passed within a few days, the big pain by the next day, hopefully that will happen for me as well.

I expect that there will be some tenderness and hot cold sensitivity for a while, but it does pass too.

I will say I am not in the mood to do any homework and since my landlord is having a party I’m not really in the space to turn my attention and focus to homework.  I’m playing some pretty loud French music right now and trying to not think about my tooth.

I also did some apartment hunting on Craigslist.

I’m happy with my new place and not happy at the same time.

I had to move all of my things out of storage in the basement today, which I was not planning on having to do.  When I moved in the landlord offered me space in the basement to store stuff as my unit as no storage space, just a tiny closet that doesn’t fit all of my clothes, I got a big dresser and a rolling garment rack to deal with that.

But I don’t have anywhere to put my camping/Burning Man gear, nor the boxes of notebooks and text books I’m not currently using.  Fortunately my boss offered me space in her storage unit.  So tomorrow I get to get up way earlier than I was planning for on my one day off during the week to take my stuff across town to the Bayview to put in storage.

Two weeks ago I had asked my land lord that the basement be unlocked, I wanted to grab my Christmas ornaments a something to wear to the Burning Man ARTumnal event I went to a few weeks back.

It was at that time I was told that I was going to have to find another place to put my stuff as the landlord’s wife is pregnant and they are going to be renovating a room into a nursery and needing to store stuff in the basement.

FUCK.

I was floored.

I was also fucking pissed.  Where the hell was I going to put my stuff?

And.

I hate to be a bitch.

But fuck my life, I moved in here partially because I was assured it was a really quiet space that I was going to be able to study and not be disturbed and all was going to be chill.

A new-born living over my head is not a quiet living environment.

Now.

Don’t get me wrong, I love kids, I adore babies, for fuck’s sake, I’m a nanny.

AND.

I’m a nanny, I deal with crying baby at work all the time, I don’t want to come home to crying baby.

Ugh.

I might be making too much of it but that coupled with a few other things, like the unit is not nearly as sound proof as I was lead to believe and that the landlord and his wife have had two knock down screaming fights with each other where things were smashed and doors slammed since I’ve moved in that makes me think I will be looking for a new place to live when my lease is up.

I’m not going to break the lease, unless something extraordinary gets dropped in my lap, but I do think I may not be making this quite the permanent place I had thought.

And really, not that permanent either, I wasn’t planning on being here longer than my PhD program.

I sort of figured that I wanted to get settled in and cozy and then not have to think about moving until I was finished with my program and by that time I would be making good money with my private practice and could afford a one bedroom instead of a studio, or even, maybe start looking at what it would take to land a house.

I really do have the  dream of owning my own home one day in San Francisco, crazy as that may seem, I have my hopes and I have seen stranger things happen.

So.

Yeah.

A tooth ache and a loud party upstairs are not conducive to doing homework, but I thought, I can blog!

And there you have it.

I’m back to the blogging and my, it does feel fine and I just realized my tooth hasn’t hurt that much while I was writing.

Win/win.


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