So on Wednesday DD went to see the doctor and he told us to take her to the ER, that she needed a couple of bags of IV fluid. Meanwhile he started a referral to a gastroenterologist. So I spent 7 hours in the ER with her on Thursday, but they would only give her one bag of IV fluids and they gave her an anti-nausea drug that wasn't working and hadn't been working for the last couple weeks. They also sent a referral to the gastroenterologist, figuring two was better than one, and sometimes they go faster from the hospital.
I told them that the doctor had said she needed two bags of fluid, but after one she looked better so they sent her home and told her to drink Gatorade. She's been throwing up everything, including water, for two weeks. What made them think the Gatorade would stay down? It didn't. But they didn't want to give her a second bag of fluids, they wanted the bed and it was very clear they wanted the bed, they were talking about needing to clear beds, so they sent her home.
So after another 24 hours of vomiting, and her urine turning brown and being almost non-existent, she was thoroughly dehydrated again, so DH took her back. This time they gave her two bags of fluid and Reglan, a different more powerful anti-nausea drug. This one works.
The night time staff seems much better than the day time staff at the ER. I've felt that every time we've gone there. The night time staff always seems to be able to find her veins while the day time staff seems to make a game out of how many holes they can put in her without finding one. Okay, that's probably not fair, but seriously, if drawing blood is part of your job, you should learn how to do it well, not just stick someone and then poke around hoping you can slide into the vein from the side. Or miss it altogether and still start pumping the IV fluid in under the skin. That was a fun one a few weeks ago, but that was pre-surgery, not the ER. Same hospital, though.
They sent her home with a prescription for Reglan, too. She was able to eat at 4 a.m. and so far everything has stayed down. She has slept for most of the day and has been able to walk around without her cane, though she is still hugging the walls.
I am hoping this new drug will settle her stomach long enough for us to get in to see a gastroenterologist. But we still haven't heard from one and probably won't until some time mid-week next week. I wish they would be faster in getting back to us, but referrals seem to always be incredibly slow. And then it generally still takes weeks to see anyone once you can get an appointment.
I just hope we don't have to go back to the ER in the meanwhile. I know they can only do so much. It's just that when they don't do what they can do, that I get horribly frustrated. Most of the nurses have been really good, other than not being able to find veins. The doctors have been more of a crap shoot, but she got a good one last night. Not so much on Wednesday.
And at least this time when she used the restroom before leaving she didn't see a nurse come out of a stall, fluff her hair, and then leave without washing her hands. I mean, gross. Who would touch their hair without washing after using the toilet, for one thing? And for two, medical profession, wash your freaking hands after using the toilet. Ick. And for three, to do that in front of a witness? Not sure what she was thinking. When they send the survey that they always send after an ER visit, we are going to mention that incident, because seriously, ew.
I think I picked up something in the ER waiting room on Wednesday, too. I am running a fever and feeling mildly nauseated and exhausted and sleeping a ton. No other symptoms yet. I was fine before that. Hopefully it will pass quickly. I always get sick after spending time in the ER and their were people puking, so yay.
Thanks for all the prayers, people. They are appreciated.
Viewing the 'Medical Issues and Spending' Category
So on Wednesday DD went to see the doctor and he told us to take her to the ER, that she needed a couple of bags of IV fluid. Meanwhile he started a referral to a gastroenterologist. So I spent 7 hours in the ER with her on Thursday, but they would only give her one bag of IV fluids and they gave her an anti-nausea drug that wasn't working and hadn't been working for the last couple weeks. They also sent a referral to the gastroenterologist, figuring two was better than one, and sometimes they go faster from the hospital.
I spent 7 hours at the ER with my daughter yesterday. DH has taken her back tonight. Over two weeks without being able to hold down her food. This is her third visit in less than 2 weeks. I don't understand their inability to make this stop. It's like they don't even want to try to get to the bottom of it. She says she feels like her body is shutting down and dying. It shouldn't be this hard.
So DH's company is self-insured. I hope we don't bankrupt them. Anyway, here are the numbers.
Deductible is $1000 per person and $2000 per family. Co-pays do not count towards the deductible. $500 of well care is covered before meeting the deductible (like physicals). The out of pocket max is $2000 per individual and $2400 per family. If we go outside of network the deductible is $4000 per person and $4800 per family. Prescription co-payments are not included in the out of pocket max, unfortunately.
Our co-pay is 20% whether it be for a regular doctor or a specialist if the provider is in network. It is 40% if out of network. I have no idea yet about my doctors, but 40% is still less than a $55 co-pay for a specialist. I think. Diagnostic testing is 20% co-pay.
The prescriptions are high, though. $30 for generics and for brand name without a generic equivalent, and $50 for a brand name that does have a generic equivalent. So with me having 8 prescriptions and my daughter having 9 (currently, this may go up), and my husband having 1, all generics, that will come to $540 a month in prescription costs. Ouch. I wish it went towards the out of pocket max and you can see why.
I am used to prescriptions being $10/$20/$50, and some of them have been free, so this will be quite a jump. Still not anywhere near having to pay full price, though. I think we can get some of them for the monthly price if we get a 3 month supply through their mail order company, though. DH mentioned it, but I haven't seen any paperwork on it. A couple of our drugs won't qualify for that because the insurance and the government don't allow you to have more than a 30 day supply. For me that is only one drug, it might be two for DD.
The do have an FSA so I may do that with $540 a month going into that because we know for sure we will use that much, and it is pretax dollars. That is always better than post tax dollars. We'll have to see how much of a rigamarole it is to get reimbursed. If it is one of those nice ones that allow you to use an FSA debit card from the money you put into the account I will be very happy.
We will be coming out very far ahead, though, because the premiums are so much lower, so despite the high prescription costs, I have very little to complain about here. So long as I don't have to change all of my doctors, but I'm pretty sure that the primary care and the rheumatologist are in network as they have been for every one of the various insurances we have had for the last several years. It is probably my sleep doctor they will have issues with if they have issues with anyone. For some reason a couple of the insurances don't want to go with them. I only see him once a year now, though so it shouldn't be that big a deal if I have to have a 40% co-pay for an out of network doctor.
As soon as we get the paperwork in September about the mail order prescription company I will have to go and get written 90 day prescriptions from 3 different doctors, which will be a bit of a hassle, but I can call ahead and have them notify me when they are ready. None of my doctors are anywhere near my other doctors so I'll be running all over town, but so be it. I'll do it to save the money.
Well, this is the second week in a row where I have gone through the grocery ads in preparation for my Friday shopping and only found one thing that was worth buying. Last week was a milk sale and this week is a beef roast sale. Since I am not sure when we will get down to the farm to buy more beef, I will probably stop into Safeway for the meat deal and for the organic milk, lettuce (mine has bolted), and radishes, but the rest of my shopping will be at Winco. The other stores are just so high priced when there is not a good sale going on.
Things went well at the endocrine doctor. He has ordered more specific blood tests, checking individual hormone levels. The took 5 of the large vials of blood. DD was a little woozy afterwards, as she hadn't eaten in case they needed fasting bloodwork, so I got her some onion rings from the last of my blow money. I get more on Friday, though, so that is okay.
We stopped at Wal*Mart as well and I got two packages of white wash cloths. They had product shrinkage though. Used to be those were 12 packs. Now they are 9 packs. It has gotten so hot here that we all need to wipe down during the day at least twice. It's too expensive to keep hopping in the shower every couple of hours! So having a big stack of wash cloths will be very helpful for quick, icy cold sweat relief. I had 12 white ones that were just for me, but I use those on my face morning and evening and the others kept stealing them even though they have their own color codes ones. Now maybe I can keep up.
I also bought a couple of cheap notebooks for budgeting and meal planning since the back to school sales have started. I'll probably get a few more in the coming weeks, but two was sufficient for now. It took me forever to find college ruled, but I did. I also got an accordian file for my daughter to keep her medical records in and a dry eraser for the white board. I also got DD some gum. I spent $20.83 out of the household envelope.
I really should have picked up tissues while we were there, but I totally forgot we needed them by the time we got there. So they will be on Friday's shopping list. I'll probably just stop into Kmart, though, because it is closer. Wal*Mart is a ways out, but it is near the endocrine doctor. I don't like making special trips just to go there.
I don't want to make dinner. It is so hot. But I really don't want sandwiches two nights in a row, either. Maybe I will make fajitas in the Instant Pot. Then at least I won't be heating up the house further. Man, I wish we had A/C.
I had to go change the ducks' water around four today as it had gotten so hot they couldn't drink it. I moved it further into the shade and they were so happy to get cold water. They all splashed around in it and then I filled them again and they drank it. Then they all waddled off in their little line to hide out under the raspberries where it is cooler.
I feel bad for the rabbits with their fur coats, but they all have an individual fan attached to the front of their cages and they are hanging out directly in front of them and seem to be doing fine. I'll have to watch them closely if we crack the next temperature decade. Or whatever you call groupings of ten when it is temperature.
I managed to pick green beans on Saturday night and then took a hot bath and then iced my back after that and used some Valerian root as a muscle relaxant. That really helped. I had to pick them again today and will again in a couple more days. The combo of a hot soak followed by ice seems to be keeping things at bay. I got a belt that I can wrap around my body that holds two ice packs so I can get them in the correct place and not just have to lay on them so that is very helpful. I've also gotten decent sleep the last couple of days so I am feeling more positive.
Tomorrow is DD's appointment with the endocrinologist. I am really hoping we come out of this with some proper treatment so she can get her life back. I tend to be quite hesitant with trusting doctors because so many of them have been so lackadaisical about trying to get a proper diagnosis. Not just for her, but I've gone through it for decades myself, first with the endometriosis, then with the tumors, then with the gall bladder dying, then with the RA. It has been very frustrating to watch my daughter go through many of the same issues.
I will try not to bring an attitude of skepticism or despair in with me, because based on what little interaction we've had, this doctor appears to think there is something wrong and based on her test results we know that there is. Still, it is hard to be hopeful when meeting any new doctor and it is hard to take at face value that they actually want to help when we've both been jerked around for so many years.
Once things get settled (if they do), I want to have my own cortisol levels tested. I have some of the same symptoms as my daughter, though not to the degree. Enough, though, that I want mine checked.
I finally made it to the grocery store today, but I am too tired to do a grocery tracking post. I went to Trader Joe's and I did buy some convenience items because I am just too strung out. I think I may have a sinus infection and it is draining me, but I can't even think about going to the doctor until I get through this week's current appointments.
After DD's appointment tomorrow I need to can the green beans. Fortunately green beans have a fairly short processing time and it won't take all day to do them. I hope to get some more planted this week for a second crop as well. I did finally get the cilantro out of the pots and into the garden. I hope it makes it. That leaves the celery and the onions to transplant. It is probably too late for them to do well, but I ought to get a little something.
My rheumatoid arthritis started flaring up on Tuesday and steadily got worse through the week. On Wednesday I started fighting off a migraine, successfully with medication, and on Thursday I strained some muscles in my low back because I had to pick the green beans and apparently I stayed in one position too long. I also started seeing floaters in my good eye. Yippee. Who needs to be able to read clearly? *sighs*
I need to pick green beans again and I am just really not wanting to. DH worked on my back for a couple of hours last night so I am doing better, but I'm afraid if I pick them it will go back into spasms.
Just to add to the fun, DD started throwing up blood, so Wednesday night was an ER visit, and it seems like on top of all her other issues, she has an ulcer. We will follow up on that after she sees the endocrine doctor and I see the surgeon for a follow up on my toe next week. At least is wasn't a bowel obstruction. They took x-rays.
At least things are going well for DH at work and things are running smoothly on the financial front. Since going full force onto Dave Ramsey's plan, I can really see the difference in the budgeting and accountability, as well as the intensity to get this last debt paid off. I try to watch at least 3 of his live streams each week and I have read three of his books now and one of his daughter's books.
I am currently reading Zero Debt by someone else. It is large print so that helps with the eye issues. I am also working my way through The Tightwad Gazette. I had to turn it back in once because someone had put it on hold, but I got it back again a couple of days ago.
I have been reading a fiction book, too, but I'm about to give up on it, even though I am halfway through. I don't really like the main character that much. She's hard to empathize with. I may just stubbornly forge on as I hate not finishing a book. I don't usually read mystery novels, but when I do, I expect to be more interested in the outcome than I am here. I've been trying to read this book for 9 weeks. The only reason I checked it out was because the title was a funny pun. I should probably stick to sci-fi and romance novels in the future.
I wish I could read more, but my eyes can only handle it for so long with these stupid floaters swimming around while I try to focus. I am feeling a little negative because of the amount of pain I am in and the amount of swelling that is going on in my body right now. I would appreciate prayers for healing and for a more positive attitude.
So the additional information on benefits I have follows.
During the first five years vacation accrues at the amount of 80 hours a year. Each year after that 8 hours a year is added up to a max of 160 hours (or 4 weeks) of paid time off. You can also convert some of your salary to extra vacation time as well (like if you were working overtime, instead of getting paid the overtime, get the pay saved towards extra vacation time).
7 a year with New Year's, Memorial Day, July 4th, Labor Day, Thanksgiving, Christmas, and one floating holiday.
Washington state requires 1 hour of sick leave to accrue for every 40 hours worked, so it'll have to be that amount.
Health Insurance is free for the employee, $167 a month for the spouse, and $83 a month for children. So $250 a month. A far cry from the $1500 a month we are paying now. The deductible is $2000 a year. Free preventative well care visits, up to $500 per person, are allowed per year without a co-pay. I will get a further breakdown on benefits later on, probably the day he actually starts as a direct employee.
They also offer two dental plans. One is $167 a month and one is $255.09. The high one is worth it if you are going to get crowns, implants, dentures, and other high cost items done. The lower one covers 2 visits a year per person and x-rays with a $50 deductible. I did the math against private paying with the 10% cash discount and that one would be a wash, but since it would be pre-tax dollars instead of after tax dollars it is still worth doing. If someone gets a cavity and fills it, that will make it even more worth while.
The vision plan will cost $14.87 a month. We'll have to see what kind of restrictions it has. I won't get my glasses at a cut throat vision place again. And I won't get my eye exam there, either. They screwed up my prescription and my glasses. So it needs to at least allow us to go to whatever doctor we want. It works out to $178.44 a year and one eye exam is $90. Multiply that by 4 people and it is $360. So even if we have to pay to get our glasses made elsewhere, the cost savings on the eye exams would still make this worth it.
They provide a company paid $50,000 life insurance policy, which is doubled if there is an accidental death. If we want to take out more we can take out more at a discount through them, up to $250,000 without a health exam. We are probably going to do this. DH only has $250,000 of term insurance currently and we really would like to have $500,000 on him, but because of his weight he can't get more on our current insurance without an exam, which would shoot our premiums up way higher.
They also provide company paid short-term and long-term disability coverage.
Hopefully, I will get the nitty gritty details on everything soon. I like knowing exactly how much co-pays will be and how much prescriptions are covered and what the out of pocket max is. I also want to know which companies are providing the insurances. Especially the health insurance, vision, and dental. And then if the health insurance will play nice with my sleep doctor. Aetna doesn't. They won't cover anything from them. Everyone else does. So I am hoping that whatever it is, it isn't Aetna.
The benefits are fantastic. These are on par with old time (not modern day) union benefits, only no union. Like the benefits my dad had when he was a mill worker. Only no pension, but I'd rather have a 401K I can control any day of the week.
So information about the new job is slowly trickling in. I'll start with the retirement information. They have two choices: a traditional 401K and a Roth 401K. I have only recently even learned of the existence of a Roth 401K. With the traditional 401K they will match 100% up to 5% of your income and of course it is pre-tax dollars. With the Roth 401K you put in after tax dollars, and they will again match 100% of what you put in up to 5% of your income. Their portion will be taxed upon withdrawal, but what you put in won't be since you have used after tax dollars.
My gut says the 401K Roth is probably a better choice, but I have done some reading and some have said that it might be better to use pre-tax dollars now when we are earning more to lower our effective tax rate, because when we retire we won't be pulling out as much as DH is currently earning per year, so our tax rate then will be lower than what it is now. Could some of our accountant/tax people weigh in on this issue?
They also may contribute an additional sum to the 401K called a performance contribution, which is divided among employees in proportion to their wages and based on how well the company does each year. Basically an end of year bonus, but to the 401K. It varies from year to year.
They have an ESOP or Employee Stock Ownership Plan. The company contributes stock to employees at the end of the year based on wages and a pro rata basis. They will start doing this once you have worked 1000 hours. It is fully vested after six years, vesting 1/6 per year. DH said currently one share of company stock is worth $16,000. Stock must be sold back to the company on retirement or quitting.
I am debating whether or not we should start whichever 401K we choose immediately (match is immediate) or wait until the debt is paid off. If we do it immediately it works out to $90 a week. That is $360 a month that should be going to debt payoff and we are hoping the debt is gone in the early part of next year, but that depends on overtime. I hate giving up the free $360 a month, but I know it would be for a short time. It bothers me that our retirement is so low, but the whole point of the Dave Ramsey plan is you cannot split your focus.
As soon as the debt is paid off, we plan to get the EF to three months of expenses and then hit retirement at 10% while getting the EF up to six months of expenses. Then once the EF is at six months, start saving for a large house down payment. I don't know that we can do the recommended 15% to retirement and still save for a house, though once DH starts getting raises we might.
We figure anything MIL gives us will go towards either the EF build or the down payment. In later years, we could put any gift money towards Roth IRA's or towards paying off the house early once we buy one. I guess in those years we would hit 15% of retirement if MIL gives like she has said she plans to. We can't count on that money, though.
We will have to use some of the money MIL gave us already to get through the job transition period. DH officially starts working for the company direct on the 21st. His last paycheck from the contracting company is on June 27th. Then he won't get paid again until the 10th and we will move on to a 2 week paycheck. So we need to get through the time when we would have had a check on the 3rd, but now won't.
Also, his old company has said that we can pay the August insurance payment out of that paycheck on the 27th, which means that paycheck will be quite short, even with OT on it. So some of the money will also have to go to cover what is taken out for the insurance. But starting on the 10th we will switch to biweekly budgeting instead of weekly budgeting and everything will be fine. The new insurance starts on September 1st. That will make life easy and we won't have to worry about dealing with COBRA at all. So, yay! I am just very grateful it is all playing out like this and that we have the money in savings to smooth out the bumps.
I had my toe surgery yesterday. It went well. I had a $50 co-pay, and then I will likely get billed for the rest since my deductible started over on the first with the new insurance. There is enough money already in the Medical Fund to pay for it.
It seems to have thrown me for a loop, though. I think it is my body trying to rid itself of the anesthesia, which takes longer when you have an auto-immune disease. I ended up getting in bed last night around six because it was the easiest way to keep my foot elevated and have an ice pack on it. Also, I was just drained. I snuggled up with season 10 of The Big Bang Theory, which I will finish watching today.
Today I still feel pretty out of it. I got out of bed to let the animals out and then went back to it and just listened to Ben Shapiro and Dave Ramsey and Hellfreezer (he tells scary stories) until about 1 p.m. when I decided I should feed myself. I hope this wears off. I have stuff to do, but probably won't get anything done until tomorrow.
I can walk okay on the toe, I'm not sure I want to do much, though. Tomorrow is payday so I will need to go grocery shopping, unless I decide to put it off until Saturday. DS goes with me, though, so maybe I can get a ride on cart to use.
DD and I went mattress shopping today. We found a mattress and originally it was going to cost us $763, but we ended up getting it for $740, because the guy did not have any cash in the store. I had 10 $100 bills to pay for it and he asked if I had any other money. He asked if I had any twenties. Well, I had a twenty in my allowance envelope and I twenty in my household envelope so I told him I had two 20's. He didn't ask if I had any other money, which I did, but I wasn't going to volunteer it to see what he would do. So he ended up giving it to us for $740. Salesmen know that if you walk out of the store without buying they may not get you back in the door again.
He said usually he has cash in the store, but everyone who bought mattresses today paid in cash. He's so used to everyone paying by credit card or financing, that the small amount of cash he keeps on hand was wiped out. He even checked his wallet! It's his store so he can do that.
I wonder what he would have done if I hadn't had it. Maybe he would have knocked it down to $700. Maybe I should have hemmed and hawed, but I felt like $23 off was a nice discount already and I did have lower bills, even if I did have to rob another envelope. Now I will have to straighten that out, but I will have to break one of the $100's before I do.
We used some of the $5000 MIL gave us to make this purchase. DD has been having major back issues on the garbage bed she's been using. Hopefully the new bed will improve things. I know it did for me and for my son when we got new mattresses in the last couple of years.
We got a call from the endocrinologists office and they are getting DD in on the 24th of July. It was their first available emergency appointment and she's on a wait list for if someone cancels. Usually it takes 3 to 4 months to get into this guy, but after he looked at her test results he wanted to get her in quickly, hence the "emergency" appointment.
So even though no one has actually explained the test results to us yet, they are clearly significant. From what we were able to decipher online from our copy of the report, there is stuff wrong with her pituitary, her adrenals, and then of course the hypothyroidism. So two weeks and maybe she can start getting proper treatment for everything and maybe she can start functioning as a human being again.
Two weeks feels like a long time right now, but in medical time it is very fast. If I had gotten the message a little sooner we would have been able to get her in tomorrow, but between the time the front desk guy called and she called back it had been filled. Oh, well.
I have surgery on my toe tomorrow anyway. I am having the toenail root killed on the inside of my big toe because of all the reoccurring ingrown toenails I get. I've had one of the smaller ones done, and it destroys a small sliver of the nail bed so that the toenail just doesn't grow back along that part. It has worked wonders for the other toe. So I will likely be out of commission around here for a day or so and then be limping along for a few days before it is fine again. They do cut out the portion of the nail that has already grown, so that is why it'll mess me up for a bit.
Maybe tomorrow I'll give in and do take out. We have enough money right now to do so, I've just been holding on to it. If it is intentional spending I feel okay about it. It's the "I'm too tired or too lazy to cook," that is the problem. Not a planned for take out meal. We'll see how I feel once the lidocaine wears off.
DH and I found a church website that has put up the Financial Peace University lessons and we have been watching those. We watched the first two on Friday night and the second two on Saturday night. We might get another one or two watched tonight. I wish we had money in the budget to purchase it, but we don't and we don't have time to go to a class together anyway with DH working so much overtime.
DH had to work a few hours yesterday and he's at work right now as well, just for 2 or 3 hours. They are finishing up a package that was wanted for Monday, but the stuff needed for it didn't get to him and the other guy until Friday at the end of the day. He will adjust his schedule this week accordingly, since they are only allowed 15 hours total of OT per week. The work week there ends on Friday so any work this weekend counts on this coming week. That seems weird to me since every where else he's ever worked or I ever worked started their payroll week on a Monday and went through the weekend.
This last paycheck had a few more dollars on it than the one before due to the change in insurance. It was a difference of $14 and some change. So that'll be $56 a month difference from the old insurance to the new one.
DD had a couple of prescriptions filled this week and they were $0. So I guess the company did carry over the fact that she'd hit her deductible and her out of pocket max like they said they would. That's good, because we still don't know what is coming up with medical expenses in her future.
She got her ACTH stim test results in her patient portal on Friday, but we never heard from the doctor. I am assuming he hasn't had time to look at it yet or wanted to consult with the endocrinologist first. From what we can interpret from the test, there is something wrong with both her adrenals and her pituitary.
I'm trying to get her to not jump to conclusions and to wait until we've spoken to the doctor and to not try and diagnose herself. Personally, I think she has Addison's disease and possibly Hashimoto's. Both are auto-immune diseases. We know she has an undiagnosed auto-immune disease due to blood work in the past.
I just hope we get actual answers this time. We have been chasing this thing for years now. I have wondered if the brain damage that happened when she cracked her skull and had the stage 3 concussion 8 years ago damaged the pituitary in some way. That is when all of these symptoms started and they have just become more aggressive as the years have gone by.
Hopefully we will hear from the doctor on Monday. If not, I will give them a call on Tuesday.
I did spend the rest of the grocery budget. I made a quick run to Trader Joe's and spent $52 there and then to Safeway and spent $17 in groceries there and an additional $4 plus tax out of the household envelope for a box of 100 count multi-sized bandages. I can't find where I put my receipts so I can't do a break down. Oh, well. The point is I got everything I needed this week and the budget envelopes are working as intended.
I got a call last night that my new glasses arrived and so went in and picked them up today. I am already seeing so much better. I can read the tiny print on my nasal spray bottle. It is amazing. I might have to go back in and get the tightened up a bit more. They keep falling down my nose a little. And they came with magnetic snap on sunglasses which work really well.
I love the glasses. They are a sort of tortoise shell pattern with green, blue, yellow, brown and reddish brown. A little more fun and funky than my normal style, but I love them. They don't have nose pads, which is fine with me, because I don't like them. They always turn green inside and are hard to clean. I think I will be happy with these ones for a long time. I just need to not fall asleep in them like I kept doing with the old ones.
I also stopped in at the grocery store to use the restroom and they had marshmallows for sale on an end cap, 4 bags for $5. It was a great price and sure beat the more expensive brand that was 2 bags for $5, which was more prominently displayed. I think this gives us enough marshmallows for the rest of the summer.
We still haven't managed to get 100% away from the credit card, so there was a small payment today to bring the balance back to zero. We are getting better at it though. I meant to go into the credit union today to order debit cards for our checking account, but the parking lot was packed and I ended up just going through drive thru, which only had one car in the lane I chose.
I still have trouble standing for long periods of time. Walking is okay, but standing and waiting is very hard on my left knee and hip and my right ankle, so waiting in a long line inside is not appealing. Monday shouldn't be bad since it is not a payday for most of the town like today.
After I did the banking, I went and bought new glasses. I had put $500 into the medical fund and the glasses came to $460.80. I also paid the radiologist from DD's first ER visit. I know MIL said she would pay the medical bills for DD, but I think we can handle this one. That was out of the Medical Fund, not today's paycheck, though. There is now $203.66 left in the Medical Fund.
_600.00 Monster Mom Loan
_200.00 Grocery Envelope
_500.00 Medical Fund
__50.00 Household Envelope
__25.00 My Allowance
__25.00 DH's Allowance
__50.00 Animal Feed Envelope
__35.00 DS's Allowance
___5.00 DD's Allowance
The weather broke today and I am very happy. It was a cool 66 degrees F, which is so much better than 88 and 90. It was lightly overcast as well, so I didn't have to wear sunglasses while driving. I really don't like to because I have to wear the kind that go over my glasses, but there are certain times when I absolutely must. I've tried having prescription sunglasses in the past, but it doesn't block the peripheral vision from strong sun and I need that since the retinal tear as I am much more sensitive to sunlight now.
Speaking of glasses I have decided to take some of the overtime money and get new ones. These ones are just giving me such bad headaches. My eye doctor thinks they last people screwed up the prescription. He says there is too much difference between the one previous to it and the new one in the opposite direction it is in now, for the last one to have been done properly. He thinks they must have wrote it down incorrectly.
We had to use that place the last time because it was the only one the insurance we had at the time would pay for. I should have just gone where I wanted and just had the glasses made there. Although I won't have them made there again. Since we don't have vision insurance currently, I will just go where I want to, which is a local shop that is not part of a chain and isn't in a mall or strip mall.
I am figuring that it will cost close to $500 for my prescription, which means about half the amount I had earmarked for debt this week, but hopefully I'll find a more inexpensive set of frames I like and I can come in closer to $400. I thought I'd saved the frames from the previous pair that I really liked, but I can't find them and think they may have accidentally gotten recycled when we did a bunch of old glasses. I did find the pair before that, but those ones are way too small to support my current prescription.
My mother has offered to teach DS to drive. She has the time and doesn't want us to have to pay for a class. So that will work out nicely. At least it will if she doesn't freak him out too much. She was a good teacher back when she taught me, but these days she isn't as fast with the reflexes. Still, if they go out when it isn't a busy time of day it should be fine.
There isn't much going on around here. I made tzatziki today because tomorrow I am going to be trying an Instant Pot recipe for Chicken Shawarma. I will also be making my own pita bread tomorrow. It looks fairly straightforward. I figure if I can master English muffins, hot dog buns, and French bread, pita bread should be a snap.
If you want to see how I made it, it is on my youtube channel here: https://youtu.be/XyvHtZtzuNg
Well, we finally have a lead on what is causing so many problems with DD. Her cortisol levels are extremely low. We've got an ACTH Stim test scheduled for the 29th and tomorrow we get her fitted for Holter Monitor which she will have to wear for 24 hours to check for heartbeat irregularities. She also, for the first time, finally came up as having something wrong with her thyroid, hypothyroidism. It's never tested high or low before, not even on the more specialized tests. The doctor could never believe she didn't have something wrong with it, though, based on all her symptoms. But now at least it registers and eventually she can be treated for it.
She can't start on thyroid medicine yet, though. Not until the results from the ACTH Stim test come back. The doctor did consult with an endocrinologist and he's put her on a medicine that will help with the cortisol levels without messing up the results of the Stim test.
Both tests will be on the current insurance where she has hit her out of pocket max. DH's job recruiting company will honor any deductible that has been met with the new insurance. That is just DD's, but that is where the primary expenses are. My stuff has not been processed through yet so I haven't officially met my deductible. Of course DH and DS have not, either. DS has had one prescription this year and nothing else through the insurance since the wisdom teeth removal was not covered. DH just has his one monthly prescription.
It looks like our costs will be pretty low for DD's surgery. Or rather MIL's costs, since she is paying DD's medical bills.
So we think DD has Addison's disease, but we have to wait on all the test results. This is just based on our research, not the doctor's, but we set him on this path. And it's possible she has Hoshimoto's as well. She does have an undiagnosed auto-immune disease. We've known that for a while based on blood work. She also has granuloma anularae, which is a different autoimmune disease.
It is taking such a long time for them to figure things out, but at least now I feel hopeful they are finally narrowing down what is wrong with her. We've felt for years like no one was taking this seriously. I only hope we have found our answers and if we haven't, that they won't brush it away again.
DD had her follow up this morning with the surgeon. I thought I was going to have to pay a $55 co-pay, but it was actually considered part of the cost of the surgery, so I didn't. Everything is healing well and DD is on track. He thinks the reason her body sent her to the ER the last time was that she was trying to do too much too soon.
I agree. I've made her stay in bed or in her computer chair for the most part in the last week and she hasn't had a return of those symptoms. If she wants to get up to talk to someone elsewhere then she has to sit down while talking and not just stand there. After another week has passed then she can start doing a little more. She's a bad rester, so I am having to be pretty strict about it.
She does get to walk the length of the house a couple of times a day for circulation, though. She's bored so I gave her my TBBT dvd's to watch. If she makes her way through the 10 seasons I have then I'll start her on Buffy, Angel, Charmed, Roswell, Lost, Farscape, or Fringe.
I did go to the store and pick up the oranges I forgot to buy on Friday and also some cherries that I impulse bought, but they were gorgeous. I bought less oranges so I could have the cherries, too. I still have enough money left to buy some Kerrygold butter, which DH will have to pick up on his way home from work since he goes right by Costco.
I had DH run the numbers for me and with the amount of overtime he worked last week, this week's paycheck will have an additional $590.83 give or take a penny. Most of that will go to the Monster Mom Loan, but I am going to put $100 of it aside to start funding a laptop fund. DH's laptop is giving him trouble and I'd like to have the money in place to replace it before it gives up the ghost. While we can do 18 months same as cash, that is still a debt and we don't want to do it that way anymore.
I'd also like to start funding a clothing envelope. DH needs new socks pretty soon. DS will need sweat pants in the fall and he still needs one more pair of regular pants then as well, since he only has 2 pairs of pants now and 1 pair of jeans that he doesn't like to wear. He's never been a jeans kid. So I will try to fund that up to $300 while DH has overtime available. I think I'll do $50 a week for that until it is funded, then switch to $50 a month.
I am considering whether or not I should try to start a Christmas Fund or not. While we have been paying back debt, Christmas has always been pretty limited, but I'm not sure I want to try to cash flow it at Christmas time or not. Maybe when I get the clothing fund funded I can switch to Christmas. I just really want to throw the majority of this at debt and get the Monster Mom Loan paid down as far as we can.
If DH gets 10 hours of OT a week through August we should be able to pay back $7000. If he gets the max, 15 hours a week, it'll be quite a bit more. I don't know if overtime will be available after that or not, but I certainly hope so. For example, if he has it through December we could pay off an additional $10,000, which would make our progress astronomical, cutting the debt almost in half. But there are no guarantees that it will last past August.
It really depends on which projects he ends up working on. Some have OT built into their budgets and others do not. Holiday weeks can throw things off as well. He will have enough paid time off to take off Independence Day, Labor Day, Thanksgiving, Christmas, and New Year's, but how that would affect overtime I'm not sure. He will likely just work on the 4th and Labor Day, though. We never do anything on those days, and the only thing we do at night on the 4th is take our chairs to the end of the driveway at 10:30 and watch the Blast Over the Bay fireworks show. We're still in bed by midnight.
So I guess I have two plans in place, one with OT and one without OT. And we'll just have to see how it all goes.
So the job recruiting agency that DH is employed through is changing their medical plan from Aetna to Regence in July. This just got dropped on us on Friday. I've had a chance to go through it and they don't have a silver plan. They have two bronze plans, one gold plan, and one platinum plan. Can I just say the platinum plan is off the charts crazy with its premium of almost $2000 a month.
The gold plan is basically what we have now, but is $85.40 less in premiums a month. The co-pay for doctors is $5 less at $30 and the co-pay for specialists is $5 less at $50. Prescription costs are $6 less at $4 for generics. Since we have 12 prescriptions a month for the family, that will drop our costs there from $120 to $72, a savings of $48 a month.
The only downside is that the deductible we just met will start over again, and then again in 6 months. The deductible is $4000 per family. Not enough for an HSA. If MIL wasn't paying for DD's recent medical bills that would be very hard to absorb, but with it, we can manage to pay the deductible on our own. And having an additional $133.40 in the budget (minus whatever they take out for taxes on that) will be nice. The out of pocket cap is higher at $7500, though. Still, it's a prety good plan over all.
We can't even look at the bronze plans. They have $10,000 deductibles and pay for nothing until you hit that and have a $14,000 out of pocket cap. They don't have co-pays until you hit that deductible either and then it is 50% of the visit cost. That is basically not having insurance at all unless you have a major catastrophe. No good for us. No insurance would be cheaper if we are paying out of pocket for everything, but we don't dare go that route again after what happened last time.
Of course if DH does get hired on direct, and there is no sign of that yet, it would mean switching insurance yet again with another, albeit much lower, deductible.
Medical costs have skyrocketed in the last 9 years. I am not sure I will ever stop resenting the men and women that caused this or the Unaffordable Care Act they rode in on that drove insurance costs sky high for the majority of the country and drove many families to not quite poverty, but with an income just high enough to not qualify for subsidies and no way to get back ahead, because 1/3 to 1/2 of their income now goes to pay for insurance premiums and high deductibles. Medical should not cost as much as a house payment. /rant
I had my six month check up yesterday for blood pressure and cholesterol. Things are still under control with the medication and I've lost 5 pounds since my last doctor's visit about 3 weeks ago for the infection. He'd like to see my HDL a little higher and my triglycerides a little lower. He wants them down about 6 points.
I also got a pneumonia shot. I am having a little bit of a reaction to it on my arm. It doesn't hurt though. The nurse said it might over the next two days. I used to get pneumonia every year and haven't gotten it more than once in the fifteen years since I started getting the pneumonia shot when needed. Unlike the flu shot, it actually works for me.
The co-pay for the visit was $35. I wrote a check out of the medical checking account for that. I am really liking having that, but I have to remember to grab that checkbook before I leave. I forgot the first time and had to go back for it. Fortunately I had lots of time before my appointment as I tend to get there early and I remembered before I got off my block.
We still haven't been able to get DH's debit card for that account working. They did a hard activation on Friday, but it still won't let him choose a pin. We double checked to make sure it wasn't thinking we only needed one pin between us and it wasn't. They don't have a way to resolve it over the phone. They just keep saying see your financial institution even though we already have. DH is going to pop in again today to see if they can give him a pin there instead. I miss the old days when they would send you a pin in the mail. I know it is safer for security to do it this way, but it has to actually work to work.
I know I already posted today, but I just had to share. DH just texted me to tell me that starting next week he will be getting overtime again. He will be able to get 10 to 15 hours of OT a week, which if I did the math right and I just do it at a base of 10 hours OT, will be an additional $1200 a month after taxes. Well, every four weeks. If he gets 15 hours a week it will be an additional $1800 a month after taxes. That would start with the June 15th paycheck.
They told him he would get it through August, which also means DH has a job through August. Now if they will hire him on directly after the waiting period is up on June 4th, I will really feel like things are on the right track again for our future. If he does get hired on direct I will have to get used to getting paid every 2 weeks instead of every week, but that's not hard to budget for. It beats budgeting the weird, irregular pay he got when working 3 weeks on/3 weeks off.
I don't know how much OT will go towards medical bills and how much we can throw at the Monster Mom Loan. I wish I knew how much the operation out of pocket was going to come to. I want to plan for it and then see how much beyond that I will have to throw at the loan. We haven't had insurance this good since the first six months of our marriage.
I know DD has hit her deductible. I just don't know how much else we have to cover. Actually, I think her out of pocket might be $3000. I'll have to have DH check on that. If it is I can start planning. I just hope no one turns out to have been out of network. It's an in-network doctor and an in-network hospital, but you never know with the anesthesiologists. That's what could get us. We did pay $413 to the doctor before surgery, but that was to hit the deductible.
There is also a possibility she could get something like Bridge as she is unemployed and an adult who has been disabled with this. I think we probably make too much if they consider DH's income, but if it is just based on her, maybe. I'm not counting on it, but they did bring up something about it, so we'll see.
I just want to know what the future brings so I can be prepared for it. But then, don't we all?
I had some money leftover from this paycheck but we ended up using it to go over on the grocery budget. I had to buy pudding and Jello and extra milk to make the pudding for DD for after her surgery. I didn't think about that ahead of time. The Jello and pudding were on sale for 99 cents a box if you bought four boxes. I'll get the hang of this, but it may take a few more weeks. There is about $30 left in checking.
I added the tithe for my Thrive commission check into the tithe from DH's paycheck so it is a little higher than usual. My commission check was close to $50.
__55.00 Co-pay eye doctor
_175.00 Sleep doctor
__81.00 Truck Tabs
_125.75 Van Tabs
__35.00 DS Allowance
__25.00 Blow Money Me
__25.00 Blow Money DH
_100.00 OTC Medications and Vitamins
_150.00 Gas Money
DD came through her surgery with flying colors. The doctor said she did amazingly well. Her gall bladder was white because there was so much scarring from gall bladder attacks. The doctor said it was full of sludge and gravel. No big stones as she had been passing them all week.
She already looks and feels so much better. Her color is back and she's up and walking around. Her operation was textbook. We left the hospital about an hour and a half after she woke up. She can try eating very lean red meat in a month, so she'll still be on turkey, chicken, fish, beans, and lentils for protein. The first 24 hours though will be pudding and Jello, broth, and maybe mashed potatoes if she is up for it.
Thanks for all your prayers for her and continued ones for her healing would be appreciated. Now we wait for the bills to come in.
I spent all day Monday, from a little before 1 p.m. until midnight at the ER with my daughter. At midnight DH tagged me out and I went home to sleep because I had an early appointment on Tuesday morning, but they were home an hour later. They sent DD home with percocet and we were able to get a relatively quick surgery date of the 29th, so she has a week to wait. The meds should last that long. I will be so glad to see the backside of her gall bladder.
I don't know how much everything is going to cost and I don't know how we will pay for it if it costs more than $6000, but we will figure it out. DH says he will probably start getting overtime in June again, which will be a great help. The current project he is on, the one with no allowance for OT, wraps up at the end of the month.
They have him lined up for several more projects. His boss has said he contractually can't talk about bringing him on as a direct employee until June 4th. I don't know if that means anything or not, though, like is he going to talk to him on June 4th and bring him on, or just a statement of fact.
I do hope they bring him on as permanent because the benefits are outrageously good. Better insurance than we have now (which is really good, but expensive) for $250 a month for the whole family. Plus vision is $14 a month and dental is $100. So $364 total. Which is a far cry from the $1500 we are paying now. A share of company stock, which is worth $16K. 6% matching in the 401K. Paid vacation and sick days. Paid jury duty days off. I believe he also said good deals on disability and life insurance as well. I really hope this happens.
We'd have to pay COBRA for a couple of months, though, I'm sure. And that'll be $1500 a month. Worth it in the long run, though.
So I had to pay $413 today to the surgeon for the upcoming surgery. I don't know how much I will have to pay the hospital yet as a down payment. I am guessing around $1250. At least they can't turn her down for this surgery based on her BMI. Of course that is why it will be in the hospital and not the surgical suite at the doctor's office. I think DD has met her deductible now.
I have a killer head cold. I woke up with it Monday morning and so yeah, I had it the whole time we were in the ER. It was worse on Tuesday. Today I think it is at its height so hopefully tomorrow I will feel a lot better. Unless I caught something in the ER to add on top of it, because you know how my immune system likes to do things like that.
I got an email today saying that an old virus software on a computer we no longer have had been renewed automatically and charged to a credit card number we no longer have. I think it is the same card, just with a different number. I hope that means it didn't go through anywhere.
I am keeping an eye on the card that it used to be the number of just in case and then will dispute it. They worded it like they had already done it, but it hasn't shown up. I thought I had stopped any auto renewals, so maybe they are just trying to pull a fast one. Trying to figure out how to contact them through the info on the email is nearly impossible. We no longer do auto renewals on things so if they are trying this again we have to nip it in the bud, pronto.
I went to the credit union today and took out $475 in cash to fund 3 of my envelopes. I put $175 into the groceries envelope, $50 into the household envelope, and $250 into the medical envelope. For medical I am going to start using an old checking account at a different credit union. I took the $250 there this afternoon, deposited it, ordered a box of checks, and ordered debit cards. They even had some pretty checks that were the same cost as plain ones. I chose an American flag with the bald eagle soaring in front of it. I didn't think my husband would fancy the butterflies. So that took $16 out of the medical account right there, leaving a balance of $234.
I tend to write checks for medical except prescriptions. We have been using the credit card for that because we usually go through the drive-thru and it is easier than trying to write out a check on the steering wheel. So we will use the debit card for prescriptions once it arrives. That way DH can have a card, he usually picks up the medicine, and I will have the checkbook. That debit card will be used only for medical. It just makes it a little easier than playing with cash and not having a paper trail. I need a paper trail for medical if we need to deduct again.
I will be funding the medical account with $800 every month, with $200 coming out of each paycheck starting on June 1st. That should cover co-pays, prescriptions, and allow us to save for DD's surgeries. This does not include the amount for the chiropractor which is a monthly set amount for the entire family and I will just pay that out of regular checking. It has it's own budget category.
When the medical account reaches $1000 I will send any additional to the online bank and earmark it for medical on the spreadsheet. I'm not sure when they will let DD have her surgeries, not until her BMI is 40% however long that takes, so the extra will go to save up for that. But whenever the account drops below $1000 I will start adding money back into it. I am not sure how much we really need to set aside for medical. It varies so much in a month. This month alone has 6 co-pays, not to mention the numerous prescriptions.
Because we are switching over to mostly using cash and checks, I am not sure we will be able to make a payment on the loan to Mom until June 8th. I figure if I make the $500 payment towards the beginning of the month, then I will have to stick to the budget the rest of the month. If there is any extra at the end of the month of June I will tack it on to the July payment. If I treat it like a bill due the 2nd payday of the month, that should keep me on track.
I think I'm going to like this Gazelle intensity thing. Even if I can't do it 100% like Dave Ramsey, because we have to keep the EF at $6000 instead of $1000 for upcoming medical reasons, I am trying to focus in like we are. And really, we are. The EF is $1000, the medical fund is the rest of it. Once the surgeries are over than we can be fully doing it, but I don't know when that will be. I guess until then it will just have to be baby steps. Yeah, I saw it. Did it anyway.
I haven't posted since the 22nd. A lot has been going on. My son had his wisdom teeth out and it really knocked him for a loop. Everyone had to pick up the slack and it was a lot of slack as that kid does a ton around the place. It cost $1250.20. They gave us a 12% discount since we had no dental insurance.
We finished transferring soil into the garden beds that need it. About 2/3 of the bee balm we transplanted made it. I've got my tomatoes planted now. I've finished my garden plan and have decided I am going to plant bush beans this year instead of pole beans. I've been having trouble with my shoulders, so picking above my head will hurt. By putting them in 2 foot tall raised beds, I can just pull up a chair to pick them instead of kneeling on the ground.
Normally I prefer pole beans because they go a lot longer, but if I plant now, I can get two crops of bush beans in this summer. I went with Provider green beans. They are a high yield bean and they had organic seeds available locally. If I had to order it would have been a toss up between Providers and Contenders, since they have the highest yields. With pole beans I usually do Blue Lake or Kentucky Wonder. Or blue coco for fun. It is a purple string bean that turns green when you cook it. I'm mostly going for yield this year, though, because I need to can a lot.
I am going to grow my zucchini and cucumbers vertically on stakes instead of letting them sprawl all over the place. There is a place in the front yard that gets good sun on the edge of the deck. I just have to keep tying them up as they grow. This gets the plant off the ground, making it less susceptible to powdery mildew. It also allows for something that usually takes up a huge amount of space to be grown in a more compact area.
I'm not sure I'll be able to grow any potatoes this year. The ground is just not prepared for it and it is more work than I can do on my own. Maybe if I grew them in barrels or grow bags. We'll see. We have 3 old water barrels that could be cut in half. But I can buy potatoes fairly cheaply from the no spray garden when it is time to can them, so if I can't plant any, that'll do.
My big goals for the garden are to can enough green beans and tomatoes for the year. Maybe even enough tomatoes for two years, which I've done before. I picked good, local producers this year, so as long as we don't have a cruddy growing season this year (last year's was awful), I should make it just fine with what I planted.
I've been writing. I've written 5000 words in the last two nights, so I think the writer's block is over. It would be nice to get this novel finished. I have a much better idea of where it is going now. It's like a veil has been lifted. I haven't finished a novel in four years, so I am very happy with myself that it seems to suddenly be going so well again.
I know I haven't done any payday updates in a while. I'll start again on Friday. I just don't have the energy to go back and write everything up. No big deal. It's just for my benefit anyway. I doubt anyone is really just itching to see the state of my budget every week! Today is the first no spend day in ages.
Well, I've got a free hour before I need to get back in the garden again, so I am going to work some more on my novel. My goal is to write 10,000 words this week and 45,000 by the end of the month. If I keep up the rate I'm going at that should be easily doable.
So yesterday after I posted we got a call to say that my daughter's surgery had been cancelled. Even though this has been on the books for 2 months, it was only yesterday that the anesthesiologist practice bothered to look at her chart. And they cancelled it based on her weight. They want her to lose 20 pounds. She's already lost 40 and we were told that was enough.
They claim they are worried about her airway during the surgery. I'm worried about her ability to breathe day to day, because with the one side crushed in like it is and the other side not super great either, she has about 40% of the air flow she would have if it was fixed. Her quality of life is nil. Of course these same anesthesiologists will do a gall bladder surgery, so I don't get it.
Anyway, so I started the refund process with both of the people I paid yesterday. They say it should take 2 weeks, which is fine since the credit card isn't due until the 3rd of May. I won't have to transfer any money to take care of it so I won't get charged interest, it'll be off with time to spare. I wish the anesthesia people had been on the ball, so I wouldn't have had to go through that rigmarole.
So whenever she loses the weight, I am going to ride the doctor's office about riding the anesthesia people to make sure she's lost adequate weight so I don't have to play these reindeer games a second time.
Meanwhile, DD and I are going to buckle down again on the weight loss and exercise regime. If I had known they were going to pull this crap, I would never have gone for the more expensive insurance program. Now we might not even be on it when she is able to have the surgery and we'll have wasted all this money for nothing.
On the bright side, it does give DD the kick in the pants she needed to get her diet going again.
So yesterday I took my son to the dentist to get impressions for a mouth guard. He's been grinding his teeth badly and it is causing damage, but also pain. So that cost $517. The good news is that also pays for the next visit where they fit the mouth guard after it arrives from being made.
After that DD had her pre-op appointment and we had to pay a down payment on the surgery of $300. Then we went over to the surgery center and paid a down payment of $1202. So a total of $2019 went out for medical. Ouch.
We can absorb the $517 since DH has been getting overtime, but the rest has to come out of savings. It is a lot when we only have $4500 left in savings. Well, $3000 now. I am rounding. I can't remember the exact numbers off the top of my head, but thereabouts. The income tax refund should be here by the time all the final bills come after insurance so we can pay the rest of it without touching anymore of savings.
DH found out some stuff about the medical plan if he gets hired on directly at his work. It is $250 a month for medical, $140 (I think) for dental, and $170 for vision. Compared to the $1500 that is coming out for just medical now is great. I so hope he gets hired on directly when his contract is up June 6th. Of course, I don't know what kind of plan that is, it could be a high deductible plan, though he's been told their benefits are very good. I hope they are, because we could really use a medical break for a while.
DH's boss told him that if he gets called in during his week of jury duty he can work on the weekend and come in after jury duty if he wants to to get as many hours as he can. If he worked for them directly, instead of through the job recruiter, they actually still pay you for the week.
I told him to call the job recruiter and see if they offer something similar, because that would make things easier. But even if they don't, he can still get some work in, so it won't be a no pay week. We think he should be able to manage 30 hours. 30 hours of pay I can work with. Even 20. Just losing that full check would have been too much.
It's also possible they won't call him in for some of the days. They have you call in each morning to see if you are needed that day. If he only gets called in for 3 days, then he can get a full five days of work in. Best case scenario. Well, best case would actually be if they don't need him at all, but I don't know how likely that is.
DD has a cold. I hope she is better by her surgery on the 9th or we will have to postpone it. She has a pre-op appointment on Tuesday so I guess we will see if she needs to go on antibiotics then. It's not like we can wait until she's well. She's never well.
If it does get postponed that'll put us closer to when we get our tax refund. DH did finish the taxes the other night. I just hope it doesn't get audited or something. We claimed $21,000 in medical expenses and that might be a red flag. I do have all the receipts. We might have even spent more, but that was all I had the receipts for. We also never got the HSA people to issue a corrected form, so I'm just kind of hoping we slide under the radar with that. We should be getting $8000 something back.
Once we get the $8K back, I feel like we'll have some breathing room. DH has been given a new project, so he's still employed for a couple more months. Hopefully by the time June 6th arrives, they will offer him a direct job. They do like him and like his work. There are people that are going to be retiring within the next year or two, but I don't know how soon.
If not, then slope work is picking up again. If he goes back up there it is a lot more money and we could sure use it to get back to a place where I feel financially secure again and I can finish paying Mom back. I think as it is, I am going to give her $1000 out of the tax refund. Unless the surgery costs are just too high. We'll see.
A summons for DH to do jury duty came in the mail today. It is only for a week, but right now we really can't afford to lose a week's income. We are still in recovery from all the unemployment and with the upcoming medical bills we will have for my daughter's surgery and my son's wisdom teeth it is going to be tight enough. If we lose that week of wages we will be struggling really hard. We will try to get him excused based on financial hardship.
I have set up the appointment for the consult and the x-ray for DS's wisdom teeth. The consult is $90 and the x-ray is $96. I also set up for him to get impressions done at the dentist for a mouth guard. He has been grinding his teeth and it is starting to cause some damage and worse, cause pain. The mouth guard will cost around $500. Life without dental is fun, not that dental would pay for much of it anyway. I am not sure how much the wisdom tooth removal will be but I imagine around $1000 to $1500.
DH needs to get our taxes done so we can get our refund and have a little breathing room again. He's been working so much overtime he hasn't had a chance to do it. He's got it half done, he just needs a chunk of time to finish. Hopefully he can get to it this week. This is the first time in years we haven't had our taxes done by early February.
I really need to put my head down and get some writing done. I have kind of been in the wrong head space, but I think I just need to set a goal of 1000 words a day and start churning it out. It doesn't have to be good, but I have to get back into the practice of doing it and then worry about making it good. Writer's block can be such a bear.
I have been sick and not really staying on top of blogging, but I have been staying on top of bills. I got my Thrive Life commission check of $59.68 and DH's pay with overtime was $1685.22. I am still waiting on my Google/Youtube check to be deposited, but it should be in there soon. Usually it goes in on the 15th, but not always.
$1000.00 to Citi Visa
__452.88 Car Insurance (6 months)
$1737.94 Money Out
I had a little money left from before so that was really what was used for the medical bill. This leaves me with $68.52 in checking until Friday. No bills are due, so that is fine. I transferred my wages to savings. I am not really sure what will end up happening there. I am not really specifying savings until after DD's surgery. After that gets paid for, then I'll go back to specifying EF and sinking funds, but for now there is really no point. It is pretty much all medical until it isn't.
Well, I did it. I got my hair cut to my collarbone. It was a foot or so of hair taken off. I had it thinned and layered and the curls are just crazy bouncy now. I am very happy with it. I can't remember being this happy with a haircut in a couple of decades. It is easy to care for and simple to style, though it takes more time than just braiding it or putting it up in pony tail. It just looks so nice that I don't care if it takes me an extra 10 minutes to curl it around my face.
Mom is home from the hospital and doing very well. She is only taking Tylenol for the pain and hasn't needed anything else. She is getting around very well and able to do much for herself. I am so happy. This is way easier than the shoulder surgery or the knee surgery.
We had quite a lot of overtime on the paycheck yesterday. As quickly as it comes in it is gone.
_474.36 AMEX (in full)
__56.61 Garbage (2 months)
_876.93 BoA Visa (in full)
_124.75 BoA MC (in full)
1000.00 Citi Visa (not in full, but not due until 4/3)
$2782.65 Total Money Out
This is over the amount of the paycheck. Mom and MIL both reimbursed us for stuff we bought for them so we had an extra $310 in checking from that.
As for Murphy, DH got a flat tire. He got a piece of metal in the tire. He's down at the shop now seeing about the repair. I don't know how much it will cost or if it will cost anything. Tire shops are weird that way. Sometimes they fix flats for free, depending on how bad the damage is. I am hoping we won't have to get new tires. This is on his father's truck that we technically have inherited, but we haven't taken the title to it yet. MIL is going to pay off the loan on it when the life insurance money comes in, but it hasn't yet. After that, we will take ownership of it.
If we have to buy new tires we will buy them from Costco. Still the cheapest place for tires I've ever found and good quality ones, too. I have loved the ones they put on the van. They drive very well. But I sure hope that expense is not one we have to shell out for right now.
DD's bed broke. The box spring and the frame collapsed. It's an old bed, a hand me down from my mother. We can't afford a new bed now. MIL has a bed we can take, but it has to be excavated first. She has so much junk in that room. The bed is covered with it and the path to the bed is covered with it. FIL was a real pack rat and MIL still is.
So after the tire is repaired, DH and DS will take the truck out to MIL's and try to get the bed out.
DD's surgery is scheduled for the 9th of April. We have to have $300 paid before then. Her deductible is $500. She's met some of it, and will meet some more with the pre-op appointment so $300 is what they reckon will be left to meet. The doctor's portion of the surgery itself costs $5449, but we won't have to pay all of that. The surgery center is supposed to get me a quote on their portion. I don't know about the doctor who administers the anesthesia. I believe our out of pocket is capped at $3000 per person. It might be $5000, though.
We still haven't been able to get the HSA to issue a corrected form. I think at this point we are just going to put the proper amount on the taxes and keep our fingers crossed that no on notices that proper form isn't there. And if we ever have an HSA again, it won't be there because they really don't know how to pull their heads out and do their jobs.
Otherwise, still muddling along. Still thinking I need to make up a meal plan, but still not doing it. I ended up throwing out a lot of veg and leftovers this week and so I really need to get back on top of the food waste issue. I kind of really let things go for a couple of weeks. I need to not do that, because is just wastes so much money. Some went to the ducks, some to the compost, and few things had to be binned.
I have been watching a show this week called Eat Well for Less. It is British. I found a couple of episodes on youtube and a few others elsewhere. It's a really good show. It focuses on fixing a family's food budget. It deals with brand addiction, food waste, picky eating, shopping without checking the pantry and fridge first, everyone eating different meals instead of the same meal, all of that stuff.
I found it very informative. And it gave me the incentive I needed to try to get my act back together again. I've got all my veggies that were left after cleaning the fridge prepped and ready to go so that it can get used up this week and not wasted. I am going to plan my meals around that when I finally sit down and make my meal plan tonight.
I don't need to buy any meat this week. I may need to buy salad greens and bananas, but I may hold off on the bananas because we have plenty of oranges and apples. I'd like some blackberries, though. Oh, I've got some freeze-dried ones. Those will do nicely. We have freeze-dried bananas, too, if it comes to that.
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