DH finally called BoA again tonight and they had no record of the previous phone call asking for the refund. Yes, BoA, your customer service leaves a lot to be desired. This time he wrote down the name of the person he was dealing with so we know who to complain about if the refund isn't actually processed this time around either. Supposedly it will be here in 2 to 5 buisness days, but I am so not holding my breath. It should not be this hard to get my own money back.

He also looked up the names of therapists on our medical plan. There are quite a few, thankfully, and one of them seems quite specifically tailored to my son's problems and he is within walking distance of where we live. Of course we will wait and see what the pediatrician has to say, but he won't be seeing her until March 17 because he also needs to get his shots for turning 11 which he doesn't do until the 13th and we didn't want to do two medical appointments.

I really don't much care for the new insurance program we have. When DH started this job it was a $500 deductible per person and $1500 per family. Now starting in March it's $1250 per person and $2500 for family. That's a lot of appointments before they even kick in anything. Even if I do end up having to get that surgery this year, I doubt we'll have enough in medical expenses to itemize. We'll certainly hit the deductible, but we won't get the 7.5 percent.

And I'm pretty sure that the deductible we've been paying since he started working there is going to start over in March with the new health plan and not put in anything we've paid up to then, which really bothers me. It's going to put our debt repayment back by months. I wonder if it's too late to do the COBRA plan from his job that ended in October. It's actually be cheaper and cover more.

My mother says if necessary we can stop paying her the $1000 a month we are repaying her on our loan to her, and just do the $300 a month we give her for utilities if we need to to pay our medical. That's the last thing I want to do, but I guess it's a good thing to at least have it as an option.

I took my daughter to the library after picking her up from school and we checked out some books today. I got the one mjrube94 was talking about yesterday by Jean Chatzky about paying your debt down $10 a day and another one by her, America's Cheapest Family and Live Well on Less Than You Think. These are for what I call "furthering my financial education." I also picked up a couple of novels. I rarely read novels anymore unless I steal them from daughter's library pile (the last few have been werewolf and zombie books for some reason, but turned out to be excellent).

This time I got a future apocalypse set in 2017 London and what I'm suspecting is a vampire book (rare blood disorder, yeah, right). They're both teen books, but I find I can usually avoid all the hard swearing in adult books and still read a good yarn that way, so I don't mind. Plus they stick all the adult paperbacks in with the adult hardbacks on the shelves and in the teen section the books are displayed so you can see the covers. I know they say don't judge a book by its cover but I always do. If I can't even see the cover and be grabbed by it I probably won't bother pulling it from the shelf unless I'm in a specific area like cookbooks or finance. I'm certainly not going to do it in fiction.

Anyway I'm halfway through America's Cheapest Family. It's not as good as Tightwad Gazette but so far it's at least interesting. Not particularly practical in my living situation at the moment, but will be someday when we're in our own house again.