Archive for the ‘finances’ Category

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.

 

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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.

Bits And Pieces

September 7, 2018

I’m slowly working things out.

I’ve not altogether gotten a rhythm with my school stuff, but then again, hey, you know, it’s Thursday and the intensive ended on Tuesday and every day since, including Tuesday, I have read something for a class, highlighted something, watched a full length video of a Harvard professor on the nature of knowledge in the age of the internet, plotted my calendar, downloaded and though I have not figured it out completely, started using an app called Mendeley, which allows me to import a pdf file to their site, save it and highlight it, thus alleviating some of my anxiety about really liking to highlight what I read, but not having been able to when I read something online.

I was tipped off to the program by a woman in my cohort who is super into tech.

I am super into grateful right now.

The work load for school is heavy and I am seeing where I can be as creative as possible with my hours.

Even today, I read for 8 minutes before leaving the house to work.

I really haven’t worked any time into my morning routine for homework or the like, but I know from my Master’s degree work that any time I have to spare I can read a few pages.

I mean, I knocked out five pages and that’s five pages less of the thousands I am going to have to read this semester.

I just have to keep taking tiny bites when ever I can so that when I do have the time to devote to the work I am not overwhelmed by the enormity of it.

I also have some grace periods coming up that I had forgotten about, but was wonderfully reminded about at work today.

The mom is going out-of-town for ten days and the baby is going with her.

Which means I won’t have my usual morning nanny routine.

Add to that, the big kids are back in school next week.

Finally.

Tomorrow is their last day of summer vacation, so to celebrate we will be going back over to Marin for a day of swimming and sunshine in San Rafael.

I am definitely down for some sunshine.

Frankly I have been a bit bummed that the fog is still here.

I don’t recall it lasting into September before.

I want my god damn San Francisco summer.

September and October, at least until about mid October, are usually really nice and warm and sunny.

Not this year.

Not yet anyway.

So a day trip to Marin seems just the right way to end the week with the family.

And next week what with the kids back in school and mom traveling I won’t have any responsibilities at the house, as far as childcare, until I do school pick up at 3p.m.

I’m scheduled to come in at 11 a.m. Mondays and Tuesdays and 10 a.m. Wednesday, Thursday and Friday.

First.

I won’t have to come in early at all next week.

Today, for instance I came in at 9:30a.m. to do the mom a favor.

I will have a straight across the board 11 a.m. start all next week.

Which means I could actually sneak in a half hour or so of extra reading in the mornings before work, note to self.

And since I won’t have childcare duties at the house I can also do work there.

Granted.

I will have responsibilities, I’m not just the nanny, I’m the household assistant and I’m often, four days out of the week on average, the dinner cook.

I will most likely be doing all the cooking for the family next week and lunch prep for the kids as well as any grocery shopping that needs to be done.

The mom is super proactive and there’s already deliveries from Good Eggs and Rainbow Foods and BiRite Market lined up.

I probably won’t have to do much grocery shopping, although I can, I have access to a credit card if I need to buy anything.

And there will be laundry and clean up.

I know what the house turns to when the mom is out-of-town.

So yeah, cleaning a bit more, but I should be able, from past experience, get it all done in the first hour to hour and a half that I am there.

Which means I should also be able to get in about and hour and a half to two hours every day reading.

I am really hoping I can knock some stuff out-of-the-way.  I’ll bring my readings, my laptop, and anything else that I need to get as far ahead as I can.  Any postings that I can do, I will do.

Plus, one of my classes has a lot of videos to watch–lectures mostly, but a few other things, that I could watch at work too.

I plan on getting as much out of that work week as I can.

I also have had a few client cancellations in the next two weeks, not a lot, but some hours have opened and I know what I will be doing with them.

I feel like this is how it will go for me.

I will have pockets of time open when I need them and I will be able to get the work done.

I am also starting to think about the Spring semester.

I am thinking that I am going to ask off from Fridays at work, starting in January.

I will make more money seeing clients on Fridays and if I don’t fill up my whole day with clients I will fill it up with studying.

I will of course need to make money, but I suspect that the money is really not going to be an issue, I’m being taken care of, I really am.

So what’s next is to nail down a place.

I saw a studio yesterday and it was no bueno, totally overpriced, and I was way underwhelmed, plus it was dark and didn’t get much light being an interior unit on the bottom of the house.

Saturday, after I go over to Berkeley and deal with some administrative work for my new internship I will come back to the city and hit a couple of open houses.

I have pretty much decided to get out of here as soon as possible.

I want quiet and low-key, I have too much on the line this first semester and I want to get out before the really big papers start looming.

I want to be in my own place and settled.

So I figure if either place looks good, both I can afford, and both have amenities I need, like laundry on site and um, hahaha, windows, I will make the offer to pay more than just the first months rent and damage.

I figure throw all of the buy out money to get into a place right at them.

Fuck mincing around.

So, fingers crossed, by this Saturday I have a place.

Yeah.

I’m juggling a lot.

But I feel like I can breathe today with the realization that it all works out.

It always has.

I am being carried.

I absolutely am.

I.

Am.

Graced.

Here All Week

August 31, 2018

Checked in, un packed and decently settled into my room at the Best Western Lighthouse in Pacifica.

So far the good news, aside from the fact that I was assigned a room that faces the ocean, I mean, I am literally right there, the sound of the waves is fantastic, is that my room-mate hasn’t shown up yet.

I wouldn’t mind enjoying the view by myself.

IMG_E4789

It’s a pretty nice view.

The hotel is not great shakes but being so close to Rockaway Beach is quite nice.

If I ever get the chance to walk down on the beach and not just sit through lectures and classes.

It’s a full tilt boogie kind of schedule.

Tonight was fairly easy, an orientation, lots of meeting the professors and administrative staff, getting to know a few of the students, there was a really sweet getting to know you sort of exercise that I made myself get into and that felt good, I connected with a couple of the second year students and it was nice to meet them.

I also talked to a woman who is volunteering over the weekend to help out with the intensive who just graduated in May from the PhD program and she did the two-year track, which is the one I am doing.

There is a three-year track as well, but I want to do it all in two years.

I want to be done with it in the next two years, five years of consecutive grad school is enough for me, I don’t need to add onto it.

Nor do I need to add onto my student loans either, they will be big enough by the time I am done with the program.

After the orientation we had dinner and I was happily surprised by the food, I was a little leery coming into the hotel, I didn’t think that it was going to be all that great, but the dinner was actually quite nice.

Although apparently gluten-free, which I specified for my diet while I was here, means vegetarian.

Not a real problem, but I did tell the kitchen I was not vegetarian, I could eat meat, so hopefully I will get some protein into my diet over the time I’m here.

I can always get out and implement too, although I would prefer not to, I’m paying for all of this, it comes out of my tuition bill.

I just also received an e-mail that my excess funds will be disbursed in three to four business days.

As tomorrow is Friday I won’t see how much I got back until next week, probably a couple of days after Labor Day.

But it’s good to know that there were excess funds.

I was hoping that would happen.

And fuck.

I just checked my student account.

It’s not as much as I thought it would be.

Sigh.

Oh well.

At least it covered all my tuition and my intensive costs.

I’ll be getting back a fat $300 after it’s all said and done.

I was hoping for a couple of thousand, but again, grateful, my tuition costs got covered.

Originally my financial aid package was shy about three thousand dollars and I had to take out another loan to be able to cover it all.

Very grateful I was able to get it covered and also, good to know that I won’t have anything really extra for house hunting.

Not that I’m too worried about that.

I will have enough.

And it seems that I will get through this program too.

It will be a lot of work, but I’m used to a lot of work and really, as I wrote last night, I wasn’t feeling too anxious about coming here.

Although I did feel some as I was driving down from the Outer Sunset.

But I’m not sure if it was anxiety about school or just about life in general.

So many transitions are happening for me right now.

I’m wrapping up my first internship at the end of September, I formally “resigned” today in an e-mail.

My group supervisor knew I was going, but no one outside of that group had been alerted.

I did my due diligence and I am glad for that as there are a few administrative things I will need to do.

And of course.

There are all the things I need to do for the upcoming internship.

I am still hoping that I can take advantage of some of the time here, when I’m not sure after having seen the schedule, for doing some of that work.

There is the housing transition happening.

The almighty not knowing where the heck I’m going to live.

I did get a response back on a studio in the Richmond, which isn’t my first choice, but the price, the windows, the hard wood floors, the full size kitchen, a bathtub, laundry on site, and the fact that I would actually have a parking spot in a garage (that I don’t have to pay extra for!  It comes with the studio), made me reach out.

I will hopefully get a viewing when I get back to San Francisco and it’s available now, so I could, it is foreseeable, be in a new place soon.

And then there’s just the transition of becoming single again, the loss of my love, the not knowing exactly how all that is going to fall out.

As I drove here from San Francisco I was met with this tremendous wall of fog.

Fog so thick and opaque that I literally could not see the ocean that was right alongside me as I drove.

I was driving into the unknown.

Literally and figuratively.

I don’t know how all these things are going to shake out.

I just know that they will, all this change is leading me somewhere and I don’t have to know where it is, I just have to take those tiny little actions right in front of me.

I just have to see the next curve in the road to turn the wheel.

And trust, that I will get there safely.

And all will be well.

It always is.

Today

August 14, 2018

I was tired.

No bones about it.

It was a long day.

I woke up wishing the alarm had not gone off, which is unusual when I have gotten enough sleep.

Logically I had.

I had gotten eight hours.

But my brain did not want to get up, did not want to get out of bed, the grey foggy morning was not at all enticing.

I think I’ve just become exhausted with the emotional overwhelm and the finality of the ending of my relationship, the beginning of the new internship, and yes.

School.

Ugh.

School stars in 17 days.

Yesterday I started reading.

I have two books that have landed in my post box and two electronic books.

I haven’t even opened the electronic books, I hate e-books, I don’t have a reader, I’d have to read from my laptop or from my phone.

I like taking notes, I like underling things, I like carrying the book around so that I may read it when I have spare moments.

I did not have many spare moments today.

I thought I might, but both monkeys were home from camp and the baby and mom had her Monday morning meeting and I went from 0 to 60 the minute I walked through the door.

Which was fine.

I mean.

I was a touch disappointed that I couldn’t do any reading, but hey, it’s work, I’m lucky if I get down time and it does happen.

I just have to remind myself to keep bringing the books with me, the paperwork, the other things that I need to do so that when the down time does land I’m not there holding nothing but my Iphone and my Instagram feed.

The reading I did do was a scant fifteen minutes before my first client showed up.

It was my first client who said no definitively to going to the new internship with me.

I was not expecting the client to do so and or the following client who also demurred.

I am just really grateful for the time I have had working with them and to acknowledge that they will be missed.

So I have three clients who will go with, one on the fence, who I will see tomorrow, and another who is MIA.

I already know that client will also not be joining me at the new practice.

Private practice means higher prices, not all my clients can afford higher prices.

Jesus.

Speaking of.

I just remembered I had two emails, no three, that I needed to respond to from my new internship.

I was too busy juggling monkeys today to attend to them.

Plus.

When I got home I had two emails to deal with regarding my current internship.

Whew.

But they all have been addressed, I have tracked my hours for today’s clients, logged into my own Google calendar, updated things, and feel ready for the next tiny action.

I keep reminding myself that they are just going to be whatever next small action in front of me I can do.

There are a lot of balls in the air right now but I can move forward slowly if I just put focus on one thing at a time.

I mean.

I haven’t yet got my syllabi for the program, despite having been told they would be available in July (bwahahaha, I know this university and didn’t actually expect that to happen), so the reading I’m doing is pretty proactive and I can put it aside if I need to.

I do expect that in the next couple of days I will get the notification that I have syllabi up.

As for my current internship, I’m doing all the things, seeing clients, and having now alerted all my clients to the transition I can take the next steps forward to closing down our therapy treatments and transferring the clients who are staying with Liberation Institution.

I just responded to the new internship with the dates of availability I have for the next round of orientation.

2.5 hours.

Total of five hours of just orientation.

But you know, I felt so dropped with the training at my current internship, I am very happy to be getting this support from the new place.

Especially as I will be embarking on a very new endeavor and getting paid for the work I do.

I am very happy to think about that.

I also am very happy to think about staying with them for a while.

They have a bridge program that allows a licenced MFT to stay with them should I so choose, which would allow me to offset my student loan debt.

The internship is a non-profit.

Unless, fingers fucking crossed, the current administration dismantles it, there is student loan forgiveness if you work with a nonprofit for ten years.

I had flirted with the idea of staying with Liberation but knew that I couldn’t do it ten years without getting some sort of recompense.

It would mean a lot of extra side work.

But Grateful Heart will be a place I can work and get paid and I will be able to build my practice and I could be making double to triple what I make now as a nanny within a year to a year and a half.

And more once I licenced.

And more once I have my PhD.

I could still be working under the non-profit and supporting them by taking low-income clients, but also support myself and get my student loans paid off.

I’m going to have about 125-150,000 in loans once this is all said and done.

Maybe not quite that much, but I did the calculations for 150,000 to just give myself an idea of what that would look like if I stayed with Grateful Heart and I think, so far, that it’s well worth it.

Of course.

This is all speculation.

And this lady is tired.

But I do feel better for having one step at a time gotten through the day and realized that there is only so much I can do.

And.

Only so much I have to do.

Which are all things.

I get to do.

Offer Accepted!

August 7, 2018

It’s official.

I just now, literally just seconds ago, replied with my acceptance for the Grateful Heart Therapy internship.

I am now part of their 2018 Fall cohort.

I will begin October 1st!

I can hardly believe it.

I will get to see clients and get paid.

I will get to have one office, instead of four different offices.

And!

Oh the nicest thing!

I found out that the Thursday morning group supervision meets in San Francisco not Alameda!

This is huge.

Especially since the group also meets a little earlier than I thought, 8:15 a.m.

But it’s done by 10:30 a.m. and I’ll be at work by 11 a.m.

I won’t lose any hours at work, I won’t have to finagle more money from somewhere else, in fact, once I start accruing a few more clients I will actually make some money.

I won’t for the first few months, it will take some time to accrue the prudent reserve the non-profit needs me to have to make sure that I can pay rent and supervision fees.

But that’s fine.

I have time to do that.

I have time and I will get paid, I suspect that I will start getting paychecks from them in or around January of next year.

I think it will take about three months to accrue the prudent reserve.

I am over the moon.

This is happening.

I will have an office.

Yes, it’s an office I will be sharing with my former professor, so it’s not mine, I haven’t decorated it, the couch isn’t mine, but I will get to rent from her and I will get to be in the space and it’s much nicer than the majority of my offices that I have currently with Liberation Institute.

One office.

God that just sounds so damn nice.

One key instead of four.

I am a very happy lady.

I almost told my boss today, but it was a hectic day with my charges, summer camps, doctors appointments, etc, and there was never really a moment that felt right.

And I’m glad that I didn’t, because I would have jumped the gun regarding the Thursday supervision.

My god I am so grateful that it’s in San Francisco and not Alameda.

Sure, I’m still going to have to deal with commuter traffic on Thursdays, but not having to go over the bridge is huge.

Such a relief.

It feels really nice to move forward.

I told one client today that I had gotten the internship and gave a soft notice for October 1st.

Now I will have to tell the rest of my clients.

Some I know will come with me.

Some will not.

For the ones who will not I will need to do a little footwork with my current internship to make sure that they are transitioned well to their next therapists.

For the ones that will go with me I will just have to tell them what office to start meeting me in when October rolls around.

Which shouldn’t be any kind of big deal as my new office is going to be in the same building as my current internship.

That is the best part of this new internship, I get to decide where I want to rent an office, and Grateful Heart takes care of the lease.

At some point I will transition completely into my own office, and I want to stay in the same building.

There is nice community there and I like the location, Activ Space (sic) in the Mission at Treat and 18th.

There’s a Gus’s Market just a block away, Stable Cafe, the new park on Folsom street at 17th, there’s Rainbow Grocery just a few blocks away, there’s plenty of parking.

And if I should want the building also has parking if I want to rent a spot.

I probably won’t at this point, but in the future when I have a sustainable income and my bills are being met well I will.

I really like the idea of having covered parking, the street parking isn’t horrible, but there are homeless folks around and there’s a bit of drug trafficking that happens in the neighborhood.

Tonight I came out and some guy was smoking crack on the sidewalk.

No thanks.

I don’t get bothered, but I know at some point it would be nice to come out of my therapy office and just get into my car without interacting with that sort of scene.

Anyway, that’s in the future.

Right now I am just going to take a moment to bask in the glow of having accepted the offer.

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

Not just the Master’s degree and the traineeship and the internship at Liberation Institute.

But also that when it looked like my former professor and I were going to work together and then I found out we couldn’t that I didn’t sit on my ass and mope.

I went out and discovered that there were things I could do.

I heard about Grateful Heart from my therapist and remembered I knew someone who was there and met with that person and got my shit together and did the big application and got it in to the organization before I left for Paris.

I turned it all around in three weeks.

Then I got a asked to interview, which I did this past Saturday and today I got the offer.

That’s basically a month from finding out that the original plan wasn’t going to work to finding and solidifying a totally new internship.

One that is actually better for me than the original.

One door shuts.

Another door opens.

Seriously!

Waiting For

August 6, 2018

The offer letter.

It was supposed to come today.

I didn’t get it.

But that doesn’t mean I didn’t get the position!

“I’m offering the position to you, it’s yours,” she said emphatically 3/4s of the way through the interview.

I was so thrilled.

Yesterday morning I got up super early and headed over to Alameda to interview for the Grateful Heart Therapy private practice internship.

And I was hired.

The director let me know that she would be writing up the offer and sending it to me to officially accept today.

But.

Well, she had some things come up and I will get the letter tomorrow.

I was going to hold off on writing about it until I had the official letter in my hot little hands, but I have been very excited about it.

I really am, eventually, going to get paid for the work I do as a psychotherapist!

This is very exciting.

There will be some big transitions, but I feel like they are going to all work out well.

I was also extremely pleased to find out that the group supervision which is required for the first six months of the internship, the supervision that only happens on Thursdays, might also actually work for me.

There are a number of groups that meet on Thursdays and the incoming fall cohort would typically all be together, forming a sort of support team for each other as we all learn the ropes about how to craft and create and sustain our own private practices.

However.

I was told, the director knew that I have a full-time nanny position, that there might be some flexibility there for me.

I was happily surprised.

I was getting ready to tell my employer I wasn’t going to be able to work on Thursdays anymore and I was already trying to figure out how I would manage with the loss of one day of work a week until I am established with enough clients to pay my bills.

Which may take a few months.

But.

No.

The director told me that she knew of my dilemma and that though it was typical to start a new hire with other new hires, there was an opening in the earliest group of the day, Thursdays at 8:30a.m.

Granted.

Sigh.

This means getting up really early on Thursdays so that I can drive over to Alameda for group supervision until 10:30a.m and then driving back over the bridge to Glen Park for my nanny job, but fuck, it means I won’t lose out on income while I am making the transition.

I was super surprised that she made that offer.

Then I realized.

They really wanted me.

The director had already come up with a way to facilitate for my needs!

This was just moments before the position was offered to me, I felt this warm shift in the room and then, boom, she told me they wanted me and that she thought I was the perfect fit for the organization.

I could also tell that she was moved by my honesty and vulnerability in my interview.

Interviewing for a therapist position would be the place to be vulnerable, you might guess, and it paid off handsomely.

I am very pleased.

So today I reached out to my former professor and updated her on my situation, I will be renting office space from her and eventually she will be my solo supervisor.

For the first six months of the internship I will be with the group and I can continue to do so if I want, and/or implement supervision with my professor.

What Grateful Heart does is provide all the administrative support, overhead, insurance, and tax infrastructure that an AMFT (Associate Marriage Family Therapist) needs to be able to practice and get paid.

Effectively helping me to establish my own private practice.

So that by the time I have licensure I will already have a private practice up and running.

They will deal with my lease, they will pay my rent, they will pay my supervisor.

I will pay them $350 a month for the administrative work and to pay out my supervisor.

The money my clients pay will be directed to them, they take out fees, rent, supervision costs and then they will cut me a check out of what is left and it will be direct deposited  to my bank.

I will learn about how to get referrals, how to network, how to build up my own website.

Holy shit.

My own website.

I have been doing this blog for a long time, but I have never had my own website.

I have been thinking that I want to write a blog for my website, something therapeutically oriented, a sort of gift to clients or would be clients, a tool that can be used for their own self-care and as a way to promote my business.

I have to think about what I will call my practice.

I am nervous, but in a good way.

This is very exciting stuff.

I will leave my current internship at the Liberation Institute, where I was told rather sweetly by members in my group yesterday how much I will be missed, sometime in October.

Some of my clients will go with me.

Not all of them, however, I will be charging $80-$100 a session.

When I get licensed I will be charging $150-$200 a session.

And some of my current clients won’t be able to afford that, Liberation Institute is community mental health with an extraordinary sliding scale where no one is turned away for lack of funds.

But a few of my clients will be able to afford it and I suspect that a few may decide to stay with me as well, despite the raise in rates.

I am hopeful that I will get referrals from people I know in community as well as from my professor.

Even my own therapist said she would refer clients to me.

So it feels good.

Hopeful.

New.

Exciting.

I will share the letter with you tomorrow.

And whatever else happens as I move forward into this next phase of my developement.

Oh!

Before I forget.

I bought my books for my PhD program today too!

Things are really happening.

REALLY!


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