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Payday Report for 10-6-17

October 8th, 2017 at 05:09 am

$1867.89 American Express (in full, as per usual)
__475.00 Best Buy (Paid off 12 months same as cash)
__102.13 Life Insurance for DH and Me
__500.00 Mom's Utilities
__196.35 BoA MC (in full, as per usual)
___20.00 Food Bank donation
__477.78 Medical
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$3639.15 Total

A little of this money was carry over from last payday. I did also reorder two boxes of checks, but forgot to ask them how much. It doesn't show up in my bank account until the day they are shipped, not the day they are ordered. It's usually around $15 for a box. We don't go through checks very fast since we started putting almost everything on the credit cards and just paying them off, but I wanted to get it out of the way before we have to start living on our savings again. It's not like they won't get used eventually.

This coming week my daughter has a physical therapy appointment and I have one. My son has his physical. My PT is $90, but I don't know how it will work for DD. I pay my own out of pocket because it is no longer deemed medically necessary, but it is what keeps me walking so it kind of is. What they really meant was the insurance didn't want to pay for it anymore and they didn't think there was anything further they could do, despite the facts that the sessions keep me from being crippled. Every time I have to skip a week things get bad. I've tried to not go and I end up using my cane and curled up in pain must days, so I deem it necessary. Don't know what will happen once we can't afford it anymore, though.

We have a $30 co-pay for regular doctor visits and $40 for specialists. I have no idea where her PT will fall, because sometimes specialists are not considered specialists. So it could be $70 out for them or $80.

Also, I know in the past that this company likes to wait until the full set of therapy is done before charging it, but I don't like that as it means a big bill at the end instead of paying as you go. But that was back in 2011 so things may very well have changed since then. I will have to wait and see, but I will ask about it when I take her to the first appointment.

I have no other spending that needs to be done this week, so other than going to the grocery store to get milk, we should be good.

3 Responses to “Payday Report for 10-6-17”

  1. rob62521 Says:

    That's a shame you don't get free checks. One advantage of being a senior at our bank. When we had to pay for our checks, I did the same thing you are -- put everything on the credit card and then paid it off so I didn't go through a bunch of checks.

  2. Out of the Dark Says:

    I honestly thought the days of banks charging for checks were long gone! I get free checks for all of my accounts. They are plain, nothing fancy and a box of 250 usually lasts me a couple years, but they are free. These and ATM fee's should really be discussed between yourself and the bank manager. I am sure you can get an online bank to put you in a checking account with a higher ROR and free transactions/checks.

  3. Amber Says:

    Have you tried ordering your checks from outside companies? I usually get pretty decent deals vs ordering from the bank.

    Also, reach out to your utilization review team with your insurance carrier. They'll set up a time to speak with your doctor. Sometimes they'll approve a few extra visits. It's worth the try

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