Posts Tagged ‘finances’

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.

 

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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.

 

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.

I Was All Upset

August 4, 2018

I was going to entitle this blog “motherfucker.”

I got another bill from the endoscopy procedure.

$899.

Why the fuck do I pay so much in insurance?

And get so damn little?

Which I am sure will be on my mind tomorrow when I go in for my dentist appointment.

The last time I was there the dentist said I should get a mouth guard.

And of course, it’s not covered by my dental.

I am not sure what my dental covers, truth be told, I’ve paid a ton out-of-pocket for the work I have had done.

The mouth guard will run about $400.

Which I have been preparing myself for and have not more animosity about it, I need it, I don’t want to grind my teeth at night, why am I stressed?

Bwaahahahahaha.

Sigh.

But I wasn’t expecting another damn bill from the endoscopy.

It feels like I just paid a bill.

For about $900 not even a month ago.

However, there it was, all cheerful and cheeky with its return envelope in my mail tonight when I got home.

Ugh.

I opened it and tried to not pay attention to it, I got a phone call right as I did.

Give the person on the line your complete attention, they are important, not this stupid letter that looks suspiciously like a bill.

Looks like a bill because it is a bill.

I looked at it after I got off the phone.

$899!

For things your insurance doesn’t cover.

There was a big block of letters in the billing area, “insurance company does not cover,” well isn’t that terrific?

I was about to fish out a stamp and write a check and put it in my wallet to mail tomorrow, but then I thought, fuck it, save the stamp, just pay it now, get it over with.

I have the money, I was just hoping to put it towards a new place, not old medical bills.

I got online.

I got logged into their weird payment system.

And!

I don’t have a bill there!

No bill means nothing to pay.

I wondered about that, was I billed twice?

I decided to just double-check and I called the number on the bill and logged into my account, which confirmed that I have nothing outstanding!

Zero balance.

I just chucked the bill in the trash.

Fuck you bill.

The nice thing, now that I don’t have to pay the bill, fingers crossed it would suck if that suddenly changed, but the nice thing was that even though I had a  momentary hissy fit, I wasn’t really balking at paying it.

I was just going to get it over with and pay it.

I am grateful for that in my life.

That I pay my bills when I get them.

I don’t like owing money and I have worked really hard for the last 13 years to be really clean with my money.

I don’t always succeed.

But I don’t owe any money to friends or to medical institutions (it would seem).

I owe money on my car, but I tell you what, with the exception of one month, I have paid double my car payment every month.

I am pretty happy about that.

I plan on making a payment tomorrow, I do them on the 4th when the payment is due, despite not really owing one, my next payment isn’t due until December, I’d rather just keep the habit going and I’ll pay tomorrow.

Hell I may even just pay it tonight to get it out-of-the-way since I’m writing about money and finances.

And, of course, I owe on my student loans.

But I’m not in default and I do pay them when I’m not enrolled in school.

I also don’t owe any money on any credit cards

Or, as the case may be, the one card I have.

In fact, I am thinking it’s time to cancel the damn thing.

I got it last year after being persuaded by a friend and haven’t used it once.

I could be accruing travel miles and such, but really the thought of using it wierds me out.

I had credit card debt, and a fair good bit of it.

I worked really fucking hard for a few years and got it wheedled down and then, yes, upon the suggestion of a lawyer, I filed for bankruptcy.

It’s a little complicated, but basically I spent two years busting my ass to pay off debt that was mostly acquired when I was in early sobriety.

I had run up my cards, got sober, and then was so broke and destitute for my first year that I never made any payments.

And boy howdy did that add up fast.

The interest on the cards skyrocketed and it was worse than paying off a loan shark.

I think I had 9% on one card that went to 28%.

And the other had started around 12% and was at 31%.

My lawyer basically told me I would never get out from under it, that I had made a huge effort to rectify the situation, I really had, worked so much for those years to work with the collection agencies, to the point I was on a first name basis with two different women, made amends financially, did the work, read front to back twice “How to get out debt, stay out of debt, and live prosperously,” by Jerrold Mundis, that I had records of all my payment plans, of everyone I had talked to, that I kept track of how much I spent and that I hadn’t any other debt, was huge.

I handed the lawyer such an enormous amount of spending plans, budgets, records, and notes that he literally was able to turn around the case and file it within two weeks of me seeing him.

I guess normally it takes longer because the lawyer has to do all the work that I had been doing for the past years.

So.

Yeah.

I’m not really interested in that kind of thing happening again and though I understand my friend’s reasonings, I think I am going to just cancel it.

Feels better.

Not as good as throwing away that medical bill.

But damn close.

Damn skippy close indeed.

Salad Days

July 7, 2018

After some lovely eating in New York last week I have become a kale salad girl today.

I needed some roughage and being back in California with a semblance of actual summer in San Francisco, I have definitely gotten my salad on.

I forget sometimes that I will have these little runs of certain types of food.

I always identify kale salads with sitting outside on the back porch with my feet up on a wrought iron chair soaking in some sunshine.

I will miss salads on the back porch.

I don’t know where I am going to be yet, but I can’t imagine being here much longer.

Even though I did so much inventory yesterday and prayer and mindfulness, even though I had a clear feeling for what needs to happen next, I got up in my head last night and couldn’t go to sleep.

I kept having angry conversations in my head.

I literally said out loud, “enough!”

I tossed and turned and sleep took too long to come.

I was mostly angry.

But a few times I cried too.

I would distract myself from the angry with pleasant thoughts and then those would turn around and bite me on the ass and become sad.

I gave up.

At some point I did fall asleep, but when I was supposed to get up and go to an early morning yoga class, well, I just couldn’t.

I will try again tomorrow.

Today I just let myself have the extra hour of sleep that I should have gotten last night.

I kept myself busy today to try to not ruminate too much on what is going on and to be in the uncomfortable place of not knowing.

I really don’t know how this is all going to turn out.

I feel like I am in a very dark hallway.

So.

I took whatever actions I could today to be positive and to take care of my own business.

I made a car payment.

I paid my phone bill in advance.

I paid my student loan in advance.

Yeah.

That.

I had not known that the loan company was going to sock me with a payment, I got hit when I was in New York and it made me burst into tears.

I had spent many minutes on the phone a few months back, right before I had graduated, making sure that my student loan company knew that I had been accepted into a PhD program, that I was enrolled and registered.

I was assured that all was good.

Except.

Well.

Haha.

Jokes on you.

The school hadn’t sent in my deferment paperwork, so the loan company went ahead and pulled money from my account.

I called the school and they told me that there would not be deferment paperwork sent out until I had completed my first weekend of classes.

Oh for fuck sake.

So I am basically paying on my loans.

Which was not in my plans.

Then again nothing this summer has been quite in my plans.

God laughs when I make plans.

Anyway.

The next payment would fall when I am in Paris and I decided that I would rather have it out of my account now than when I am in France and see something pretty and want to buy it and then go spend money that I should be spending on my student loans.

It felt good being proactive.

I’m glad I did it.

I also picked up a scooter cover today as well as getting a new bathing suit.

I got a competitive suit.

I tried on a pretty lounge by the pool suit first and I was like, um, no.

Hello boobs.

Good gravy.

Not going to work.

I like a little coverage.

I found the competitive swimsuit section and had much better luck.

I also immediately, without much thought, grabbed suits that I would have worn on swim team in high school.

Racer backs in black in a size 38.

I tried them on.

I squeezed myself into them.

I was like.

Hmm.

Not quite the high school fit.

Got to go up one size.

I was a touch bummed out.

But then I thought, wait, I’m only one size bigger than my high school swim suit size?

How many folks can say that?

I’ll happily keep eating kale salads all summer!

In fact.

I might actually go swimming this upcoming week.

I bought the suit because I will be going to Il de Re, which is an island off the West Coast of France, with my dear friend whom I am staying with and there is a pool at the house we will be staying at.

Plus.

Well.

It’s an island, there will also be beaches.

But I will get a chance to break in the swim suit this Wednesday when I go visit a friend in the Berkeley Hills who has a hot tub and I just checked out the schedule for lap swims at Sava Pool and there are times that I can make it next week that I normally would not be able to go swimming.

Mid to late afternoon.

I have debated many times getting up and going to Sava during the week, they have lap swim M-F from 6:00 am until 7:30a.m.

It’s tempting.

It could fit into my schedule and then I would be getting a bit more exercise than I have been.

Plus.

Well.

I love swimming.

The thing is though.

6 a.m.

Ugh.

But if I got up at 6 a.m. and just climbed into my car and drove there, wouldn’t be more than a ten minute drive, I could be in the pool for a half hour to an hour and then drive home and have breakfast before having to leave for work.

It’s a thought to tease around.

I’ve wanted to explore the pool before making that commitment and I don’t know that I would want to always get up that early to swim.

I would probably not do my morning pages.

I don’t know.

It’s something to think about.

I’m just happy I got the suit.

I am also happy that I picked up a motorcycle cover for my scooter too.

Tomorrow after I do my morning yoga I’m going to start my scooter up, clean her off, top of the gas, ride her around the neighborhood then cover her up.

My previous cover was stolen.

I will be locking this one down.

All in all.

Not a bad day.

Plus two clients and conversation with my friend about the paid internship I am exploring.

Pretty damn good for a Friday.

Pretty damn good indeed.

It’s Been A Day

July 4, 2018

It really has.

It was preceded by a night with little sleep.

I had a really hard time falling asleep and I couldn’t stay asleep when I finally did.

I rarely have insomnia, but last night there was a kiss of it.

So much to think about.

And my wild thoughts got me up so early.

Really too early.

But.

I have to say I am surprised that I didn’t feel tired today.

I also had a bit more to do than I thought I was going to.

In between my therapy session and dropping off paperwork to a former supervisor in Hayes Valley, I got a text from my boss asking for a huge favor and could I go help out at the house for a few hours.

I said sure, I went, I let in the cleaners, I hung out and listened to French House music, I did some spending plan for July and I added up my expenses for June.

I got a bit walloped yesterday.

Truth be told.

Unexpected conflict.

Lots of fear.

High amounts of anxiety.

And lots of having faith and leaning in.

I spent most of yesterday outside the house, I didn’t feel safe here and I didn’t want to have more conflict escalate.

Fortunately nothing further happened.

You want details you contact me directly I am being circumspect about what goes on my blog for a little while.

When the dust settles I may elaborate more, but tonight as I write, suffice to say it’s been unpleasant and I have been taking actions around my housing situation to the best of my abilities.

I also have to say thank God for my external support and for the people who I could call and talk to and get suggestions from.

So much lovely help.

I needed every bit.

And so, it was of no surprise, not really, when I got home after a long stressful day yesterday and found a bill from my health insurance for $867.23.

Fuck.

Really?

I knew it.

I had a feeling I was going to get a sucker punch from the endoscopy.

I looked over the bill and though yes, I was a touch upset, in the end my insurance did cover $3200 of the procedure.

Grateful for that.

I sat down and wrote out a check.

Then I balanced my checkbook.

Then.

Well.

I have therapy and need groceries.

I am sitting with money in my account, but it’s earmarked toward rent, my rent check has not been cashed yet.

I double checked my addition and subtraction and I thought about a few things I wanted to do today.

Car wash.

And decided to pull money from my savings account.

Did I have to?

No.

I would have been ok until payday.

I mean.

I would have bought nada.

But I would have been ok.

Then I thought, why feel pinched when I have money there that can be used?

I transferred the money that I had earmarked for Paris into my account and decided to make sure I looked over my budget and spending for the month.

It’s a big month for travel.

I have no regrets about what I spent in New York.

I am very happy for the trip, the memories, the mementos.

Absolutely no thoughts that I should have done it any different.

It was a wonderful trip.

Paris will be too.

I may not have the $867 that had to go to the hospital bill, but I have enough.

I’m o.k.

That became sort of the theme today.

I am o.k.

I am going to be o.k.

Everything is o.k.

Yes.

Things are hard.

Things are challenging.

Life is showing up and doing what life does, giving me opportunities to learn and grow and expand my capacity for love.

Yes.

There were tears today too.

Therapy.

I talked for the first half about my living situation and what happened yesterday.

My therapist really applauded how I handled the situation.

I was not expecting that, to be told that what I did under pressure was admirable.

That felt good to have reflected back to me.

I still had few moments of feeling overwhelmed when I talked about what had happened, but hey I didn’t die and though it was intense and unpleasant, I got through it.

I had lunch with a friend today after therapy and he reflected some of the same things back to me.

It was super fun to see him.

He works in a cool tech company and they have lunch delivered and so yay, free lunch and an hour with a good friend.

He also helped me figure out my bottom line around my situation and gave me some brilliant language should I need, when I suspect, it’s not going to be a should, it will be a when, to stand up to the situation and what is happening.

It was calming and I appreciated hearing it and that he also acknowledged I do have a lot of power in the situation.

Ultimately.

Faith.

Faith.

And more faith.

It shall prevail.

The rest of the day was nice, like I mentioned, helping out the family, getting to do the work on my spending plan, taking time to eat a nice dinner, just a salad and sparkling water, but it felt good to nourish myself on the earlier side of dinner as I had a client cancel and I wanted to do the deal tonight at 8p.m.  I was able to leave after my first client and get across town right on time.

Where again I got to be aware of fear and faith and that they are similar, belief in something that cannot be proven.

So I chose faith.

I will continue to choose faith.

Knowing that I am loved and carried and I just have to show up and take the next actions in front of me.

It will all work out.

It really will.

Abundance

May 9, 2018

Of tears.

Of tissues used for said tears.

Also of acknowledgements and validation and super sweet holding.

I do quite like my therapist.

I had so much happening this morning that I literally was at a loss as to where to jump in.

But jump I did.

We didn’t even cover half of what I was thinking I was going to talk about, which was fine, the one big issue I had awoken to this morning I dealt with my person on a phone call over my morning latte.

And though there was a lot of work that was done and an abundance of dumping, I even apologized at one point, I don’t normally dump, but I just had to get it all the fuck out.

She said, “bring it on, get it out.”

So I did.

It was a relief to do so.

I talked quite a bit about how much pain I have been in and how I felt like it was beginning to really make me weird in the head, she reflected that my body is working over time to keep me in balance and that it’s a hard thing to do right now.

It really is.

And it’s been pretty relentless these last few days.

I shared that I haven’t really dropped into being done with school, about how I almost fucked up my paperwork, but not really, but my head space has been foggy with dealing with getting everything done and being in pain whilst trying to do it, and that I didn’t beat myself up but that I was flummoxed at how side tracked I got doing what should have been a pretty simple tasks.

Simple tasks are not so simple when I’m busy and also trying to navigate through this experience with my body.

My sweet body that is just trying to get by and I am doing whatever I can to help it.

Second day of oatmeal for breakfast, salad for lunch, oatmeal for dinner.

I will admit, I haven’t had time to do decent food prep and not much energy for cooking when I get home.

Do a big therapy session, cry a lot, then go work a full-time shift with a teething baby and then after that go see two clients and be emotionally and empathetically available for them and expect myself to make a big fabulous dinner?

Nope.

Oatmeal.

I like oatmeal, so that’s not really an issue, but it does speak to me that there’s a lot happening inside that’s not in equilibrium.

I very much want to get back on track with my health.

I am grateful that I have an appointment soon to find out what’s happening.

And grateful for a therapist who let me dump for a while and then I got to talk about the other hard stuff.

I will be terminating a client on Thursday and there was a lot to process around the situation.

So we did that for a bit too.

And it was super helpful.

That my therapist went to the same school and did the same program as I really is such a helpful thing.

I get such nice perspective.

She doesn’t self-disclose much, but she does relate to me and I know that in the therapeutic alliance we have together that her experience helps me with mine.

Then.

I got to talk about the fun stuff, the happy stuff, the amazing I got a private practice internship!

It was such a joy to talk with her about that.

Especially since working with her helped me see that it was possible.

When my supervisor recommended it to me I was rather at a loss as to how to go about it.

My therapist opened that door, shared insights, and gave me places to look.

She did not tell me to approach the person I did, but she helped lay the foundation for that experience to unfold and I am so wildly grateful for that.

And that when things are supposed to happen, they just fall beautifully into place.

She reflected to me the amount of work I do and also what I could expect to charge as an intern would be higher than others just starting out as private practice interns.

She told me without a doubt I can charge $80-$100 per session.

Of course.

I won’t get that full amount.

But I tell you what I will get half of it at the minimum.

And that means $40-$50/hr.

So much more than the $0 I make now.

I have pretty much decided, you have heard it here first, that I will give up my internship where I am at as soon as I get my AMFT # from the BBS.

Once I have that number I can be paid as a private practice intern using my supervisor’s number, the woman I just basically got hired by.

We’ll have to set up W-2’s and there will be taxes taken out and other things I am sure.

I will have to pay for her supervision and I will have to pay a portion of the lease for the office.

She will take that out of the amount I am paid by my clients, and then she will pay me.

I will be making money and I will build a practice an I will have abundance.

That was the biggest take away from my therapist today, that I have striven so hard, all my life, worked and worked and worked and studied, and now, I am almost there.

That I am close.

In fact.

That I am closer than I even think I am.

I will be done with my current internship by September 1st.

That’s the plan.

I figure I will have my intern number by that point, it does take a little while for BBS to get all the paperwork and assign a number.

I am hopeful that I will be able to start seeing clients at my private practice internship after Labor Day.

Which feels about right and will be just after I have done the intensive for my PhD program.

I am so ready to step forward, ready to transition out of where I am, ready to start seeing the fruits of my labor.

I am excited about it.

I really am.

And I am ready to embrace all the abundance.

I.

Am.

So.

So.

Ready.

$508.90

April 21, 2018

I just wrote a check out for my car insurance.

Which means that I have had my car now for five months!

I’m sort of amazed by that and how quickly I have adapted to driving her, the car’s a girl, Priscilla sometimes, but most times my cute little marshmallow.

My slightly dirty little marshmallow.

She’s getting a wash tomorrow, I wanted to take her in last week but the rains, it looks like nice clear weather for a while, so tomorrow I will hopefully get her in.

I love her.

I love how compact she is, how easy to park, I love that she’s a stick shift, I really feel at home and comfortable driving a stick shift, the hills really haven’t been an issue.

I killed it a few times my first month, but I haven’t really since.

I’m driving every day, every where I need to get and gas is running me about $20 a week.

Granted, yes, it’s higher than when I was on a scooter and gas ran me $20 a month, if that, but all the things my car has that my scooter did not.

Including.

Heat.

Blue Tooth for making phone calls.

Oh my God.

How nice it is to drive and talk, it feels like I’m staying better connect with my people just because I can talk on the phone when I drive to and from work and back and forth from my internship, it really is a nice perk.

Music.

I love having music while I drive.

So much.

I use Bon Entendeur, a French House music app, Spotify, and occasionally my Itunes on my Iphone.

Plus there’s the radio, which my best friend actually helped me program recently.  I hadn’t really bothered with it because I use my phone for music, but it’s nice to have it programmed and it’s set to either the jazz station or classical.

Plus.

Safety.

My car is safer than my scooter and I’m no dummy about that.

Oh.

I plan on using my scooter occasionally, I’ll use it my last weekend of school classes, that’s for sure.

Although I found parking much easier than I had thought it would be, it was still pretty freaking expensive to park all day down town while I was in class, I’d like to not have to do that again, but I will if there’s rain.

Absolutely will.

I’d been wondering when the car insurance bill was coming and there it was in the mail when I got home tonight from seeing clients.

When I first opened it I was shocked, but then I realized the $508.90 was for six months.

That’s actually really affordable.

I get a lot of good discounts, I have it wrapped with my renters insurance and scooter insurance, plus I get a good driver discount and a low mileage discount.

Pretty damn pleased.

So I wrote the check and I’ll drop it in the mail tomorrow.

I pay for my bills 24 hours within receiving them.

A habit that helps me not bounce checks and know always how much money I have in my account.

I was uncomfortable with the suggestion when it was first given to me, but I am used to taking suggestions, especially from those that have more experience than I do, so I did it.

And I have to say.

It’s always worked out.

The money has always been there.

Even though I wasn’t exactly jumping up and down, I’m happy to have it paid and done with until November.

I’m also a head on my car payments, I don’t owe one until July.

I’ll still make one in May, I like to stay on top of it, plus it will be nice to have my car payments paid out a little in advance so I don’t have to worry about them when I’m traveling.

Oh man.

I can’t wait for the traveling.

I am so ready.

But first.

Of course.

I have to get through the next few weekends and get my school work done.

I feel better today about it all falling together.

I actually had a really good conversation with the mom at work about what I have to do this weekend to get what needs doing done.

Saying it out loud helped.

I really do have everything that I need to write the paper, all my sources, all my quotes, the idea, the feel of the paper and the direction.

I just have to sit down and write it.

I have blocked out time Sunday after noon after doing the deal with the ladies and before my Sunday night commitment up in the Castro.

I am feeling excited to write it and prepared.

Grateful for that shift in feeling.

Grateful too for another day without reflux.

I’m not sure why and I’m not going to question it.

My tummy was a bit upset through the night, but no reflux, so I’ve signed up for a 9 a.m. yoga class tomorrow and yes, yes, I did.

A 7:15 a.m. class on Sunday.

My best friend and I are going to do yoga than coffee and breakfast and I’ll be off to a bright and early start to my Sunday, I’ll get every thing I need done household wise, cooking, cleaning, laundry, then be ready for the ladies and then the paper.

That’s the plan anyway.

Who knows what will happen.

I’m going to let myself sleep in a little tomorrow and do the 9a.m. yoga class, though I did briefly flirt with the idea of doing the earlier 7:15 a.m.

I decided that since I have had a very busy week and a pretty packed weekend, that the best would be to get lots of sleep and then go into it full throttle.

I also have a dentist appointment tomorrow and group supervision, so I think that it’s a nice way to start, a little extra sleep and more time to digest dinner before getting all twisty and sweaty.

I think it’s going to be a good weekend.

I feel really positive.

And I’m looking forward to spending time with my best friend and also that I blocked out a little time too for some pampering, I’ll definitely be getting a mani/pedi tomorrow after group supervision.

My car gets a wash.

I get a polish.

Heh.

I Didn’t Get It

April 7, 2018

And I can’t say I’m surprised.

Disappointed.

Yes.

Surprised.

No.

There was something about the email that I got last week letting me know that the decision regarding the Diversity Scholarship had not yet been made.

I immediately began to have doubts that I was going to get it.

I’m not sure why, but it felt like the flavor of what was to come.

I was told the final decision would be reached by today, April 6th.

And I spent all day long thinking, where’s the e-mail.

I didn’t get it, where’s the e-mail?

Maybe I got it.

When are they going to let me know?

I almost texted my best friend tonight in between seeing clients.

I don’t think I got the scholarship.

But I got caught up doing paperwork and then my next client was in and therapy.

I drove home, really bad traffic, rain does that in San Francisco, the weather ups the idiot ante pretty quick, finally found parking and walked home to my little studio to make some dinner.

When I sat down to eat I got the bing that I had a new e-mail.

And there it was.

The notification letter.

I can’t tell you what it said exactly as I already trashed it, but it didn’t surprise me.

Disappointment though, I could have used that $5,000 per year.

I don’t even know how much my tuition is going to be for my PhD program, but I do know that having had some scholarship money for my Master’s program was really integral to helping me do some things.

Like buy my car.

Travel.

And, you know, pay rent.

I have steadily, over the last few years acquired expenditures that I never used to have.

My scooter, scooter insurance, my car, car insurance, dental insurance, health insurance (although that’s felt like a colossal joke), renter’s insurance, monthly yoga, and a lot of those things I helped pay for with my financial aid and my scholarship money.

And of course.

Tuition.

I’m not going to be too upset though.

It doesn’t do me well to dwell on it and although it’s a disappointment, how could it not be, I know that the money will be there.

Maybe another scholarship.

Maybe I win the lottery.

Maybe I come into money.

Maybe I just take out more student loans.

As long as tuition gets paid and I don’t have to supplement tuition with my own money, not right now, my own money goes to rent, groceries, phone, yoga, car, scooter, clothes, travel, cost of living in San Francisco.

If I get enough money to cover tuition I can cover my cost of living on what I make.

I will be ok.

I always am.

Sigh.

I don’t like the idea of taking out more student loans, but I don’t like the idea of not going after my PhD even less.

The education is important to me and the work is important and I’m doing it.

The money will come.

It will.

And before I know it, I’ll be attending my first intensive for the program.

I received an e-mail yesterday letting me know what courses I need to register for.

I will be taking five classes my first semester.

Three are credited courses and two are not.

The intensive is counted as a course and there is an online class forum that is counted as a course.

Neither of those will really affect me time wise.

Money wise.

Yeah.

The intensive runs I think at least $1800.

And typically what I have seen is that each credit of course work is about $1200.

So three, three credit courses will cost me about 10,800.

Tuition is going to probably be about $22,000 per year.

I think.

I am not 100% sure, but that was pretty close to what the Master’s Degree cost me.

I could probably look it all up at this point, and maybe I should, but it’s late, I had a long day, good, but long.

I had the first day of my fourth weekend of the program.

I did my case presentation.

I was the first to go and it felt really good to get up there in front of the class and share about my work.

I got some really nice feedback.

It felt really good to hear and it really made me reflect on how far I have come and how much I bring to my clients.

My teacher said, and I quote, “_____________ is really lucky to have you.”

Wow.

That was fucking nice to hear.

As were many of the other responses I got from my cohort.

I felt very much like a therapist as I sat there.

I also felt very much the therapist as I was working with a new client tonight in our first session.

I was marveling at how I have really learned how to listen, to reflect, to mirror, to validate and to re-frame what the client says.

I had a moment afterward when I compared how I felt taking on a new client now versus how I felt when I first started.

So different.

I really feel like I am doing a good job.

And that.

Just that.

I need to recognize.

I am a good therapist.

I am in the right field.

I am doing the right thing.

I am on the path.

I have a career.

I am a therapist.

Granted.

Unlicensed as of yet, with loads of work to be done, but I am firmly situated on this path and I am so grateful for having a purpose in my career and a career that will support me and one in which I will have great longevity.

I will get to practice for a long time.

So.

Yeah.

Bummed about not getting the scholarship, but it’s not going to slow me down from doing what I am supposed to be doing.

And for that.

Well.

I have only gratitude.

 


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