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Archive for February, 2018

Help on Taxes--HSA Related

February 16th, 2018 at 04:18 pm

We are having an issue with our taxes in regards to our HSA. We maxed it out in the first half of the year and spent it in the first half of the year on medical costs. But then DH got a job with medical insurance after that that did not have an HSA. So now they are saying that we can only claim part of that based on the months we had our own self-payed insurance, not the fact that we used it all during the time we had one.

We can't just put the money back because the government counts that as putting in additional money, not returning it to the fund. We don't have the money, regardless, because we spent it on medical bills. The people at the credit union where we have our HSA have no idea what to do to fix it. They assume there should be some paperwork, but they don't know what is is and have never had this issue come up before.

We really can't afford to go see a tax professional as we are barely keeping our heads above water right now due to medical costs, so I was hoping one of you here that is one could tell us what form we need to fix this and possibly where it is located? DH is looking for info on the IRS Website, but you all know that that is like looking for a needle in a haystack, assuming you even have the right haystack to begin with.

Long Weekend Plus Birthday Monday Update

February 13th, 2018 at 12:36 pm

Last week my husband worked 4 ten hour days so that he could have Friday off. We got a lot more done in storage, pulling out five large bags of trash and 2 bags full of recycled paper. We also pulled out another box of papers to shred. We donated another stack of books, probably only 15 this time, not a full box

We have reduced the amount in the larger unit so much that we should be able to get everything in there now. We have until the end of February to finish cleaning out the small 8 x 10 unit that is still here in town. Once that is in there we will just have the 10 x 18 and the 10 x 10 in the county. Then we will transfer what is in the county 10 x 10 into the county 10 x 18 as we go through it. Once we are done it will all fit in the 10 x 18 and our storage costs will be reduced significantly.

I found $0.79 this weekend bringing my found money this year to $3.47 American and $1.60 Canadian.

Monday morning I had to go and sit through a joint replacement class with my mother, as she is getting her hip replaced in March. It was 3 hours long and then of course my mother had to stay and talk for an additional 45 minutes, because she's never met a conversation she can leave. It was awful on my back and hips because their chairs were crap. Of course her care after the surgery will all fall on me again, because neither of my sisters will do anything.

I am very irritated with my mother because she refuses to go into a nursing home for the first week after she leaves the hospital. Medicare will cover it, but she refuses to go. She might be getting all her joints fixed, but mine are breaking down. She's just so selfish about it and I have to suck it up and do it. Last time I ended up on the verge of pneumonia and with so much pain in my joints I had to be on hydrocodone to function. If she would just go in for that first week when she needs round the clock care, I would be able to function so much better during the following five weeks when she will be able to sleep through the night and so will I.

Then in the afternoon I went to my rheumatologist for an appointment ($55 co-pay) and crossed off yet another drug I can't take. The sulfa affected my vision. Now she wants to do an MRI of my hands, but I can't afford it so that is on hold. She gave me some paperwork for an injectible drug, but one of the side effects is cancer, so no. I will just have to muddle along with the hydroxychloroquine.

So all in, yesterday was not one of my better birthdays, especially with the fact that I couldn't even have cake on this diet. But I have lost 13 pounds in two weeks, so it is kind of worth it. I miss sugar and flour though. A lot. I need to update the side bar to reflect my new age of 48.

We still haven't got taxes done, but we are working on it. It looks like we will be getting around $8000 back. I was hoping it was more, considering we spent around $30K in medical expenses last year. We'll need that money to pay for DD's surgery.

This and That

February 5th, 2018 at 10:16 pm

We spent the weekend working in storage again. I found 55 cents, bringing my total of found money this year to $2.68 American and $1.60 Canadian. We pulled out 5 big black garbage bags of stuff and filled an 18 gallon and a 25 gallon tote with paper to recycle. I also have another box we filled about 8 inches high with papers to be shredded. We donated two more boxes of books.

I paid off all of the medical bills from my daughter's ER visit. It was upwards of $8000. Our Emergency Fund is down to $5000 or so. I don't have the exact numbers. It is depressing and a little scary to have so little in savings, especially when we still don't know how long DH will actually have a job for.

We have no safety net now if he loses his job. DD still needs to have her sinus surgery, so we will use part of the tax refund for that. It really can't be put off any longer and who knows when we will have insurance again if DH gets laid off. The insurance is really good at least for however long we get to keep it, even if they are taking a boat load of money out of his paycheck for it.

It was nice to see the extra money in the paycheck this week from the tax cut. We'll only see it for this month, though, since in March it will go into the 401K. We really don't want to not put money in the 401K, so as soon as he qualifies it is going in even if it is only 2%.

I've been doing a low carb diet for a week now and lost 10 pounds. I am keeping my total carbs to 60 grams a day, which is what the bariatric specialist recommended last time. This time I am doing it without a weekly cheat day. I am really pushing the water. I feel better already, which is nice because last week I had that nasty stomach virus that's been going around.

The only thing that is bad about this diet is that my acne is acting up. It is supposed to be because when you lose fat the toxins that were locked in those cells come out whatever way they can. In my case it is through cystic acne. It hurts and I hate it, but I'm not going to give up, because I have to get this weight off my body. I don't want to spend the rest of my life like this. It physically hurts too much.

There really hasn't been much going on. Well, other than we lost another rabbit and now I'm afraid there might be something going around the herd. We lost Bonfire, who was out of Firefly and Wildfire, who are both gone, too. But we have her daughter Sadie and we haven't yet sold or butchered her other three offspring so if we want to keep another one, we could.

Then again, I've been thinking of downsizing, so I don't know. But right now this puts us at only 3 breeding age does and I'd like 4. But I might like a doe out of Sadie and Vincent when I breed them, so I don't know. They might not even have a likely candidate in their first litter, either.

The garden is starting to put some volunteers up. There is spinach growing and sorrel. There are onions and garlic as well, that I did not plant in the fall, so maybe they seeded or maybe ones I planted early last spring that never came up, came up now. The kale overwintered and there are some beets, too. I am looking forward to spring and rebirth and growing things and green coming back to the trees and flowers. It always makes me feel better when the dreariness of winter lifts.