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March 28th, 2011 at 10:52 pm

So I've been thinking. My plan for April was to pay off the second Master Card, but now I'm starting to get concerned about the medical bills I know are coming soon. I haven't gotten any yet, but with a $1250 deductible per person and several visits to the doctor this month and last, I'm afraid what's going to happen is that I'll pay off the MC and then all the doctor's bills will come in. They will likely come in the first week of April, after being processed on the 31st. I am wondering if I shouldn't hold some money back that I had planned to send to debt repayment.

Maybe I'm just being a little paranoid. My budget calls for me to set aside $500 each month for medical expenses which will probably be enough. I just want to get ahead on saving for the medical expenses since I know that I'll have to pay a good chunk of the upcoming surgery and if all of April's money goes to regular doctor's visits and prescriptions, there won't be anything to save for the future. On the other hand, none of the doctor's charge interest until you are 90 days past due. So I could use my $500 to pay as much as possible and then wait until May to pay off the rest.

Also the pediatrician wants DS to have his tonsils taken out because they are so big they are blocking a significant portion of his throat even when he's well and she is afraid it is causing sleep apnea. He doesn't get very restful sleep so this is possible. Not to mention that the school counselor wants him to have a few sessions of therapy with a psychologist before starting middle school next year, to give him coping methods for his OCD and help him to learn some of the social cues he's missing.

Pediatrician also wants us to meet with a dietician for DD who is borderline diabetic and might actually be, but we won't do the bloodwork until Saturday to find out. Even if she's not diabetic she will benefit from a lower carb diet. Seems like it is just one expense after the other.

But despite all that I still have this whiney little voice inside me saying, "But I want to pay off the Master Card and be done with it." It is also stomping its foot. I don't know, maybe I can squeeze some other money out of the budget. MC isn't due until 4/17 so it's possible.

I found a package of ham in the freezer last night so I did not have to drive across town to get the special deli meat for lunches. I ended up not making the pizza yesterday, but am making it tonight instead. We'll have leftovers for a couple of days from it.

I am feeling a little better today. I'm still very much congested but the brain fog is definitely lifting. I feel much more a part of the human race. I really hope that means the last of this flu is on the way out. I think it is the worst one I have ever had.

4 Responses to “Wavering”

  1. creditcardfree Says:

    Would you feel better if you kept another $500 back for April? Maybe later in the month you can still send it in. Although, I actually might take the doctors up on their no interest plan!!

  2. LuckyRobin Says:

    I don't know. That's the thing. I've been anticipating paying this card off in April for the last few months so suddenly to change direction just feels wrong. On the other hand medical bills add up fast and letting them go, even for a month doesn't feel right, either. I do think I can shuffle things around a bit and do both. I have to spend some more time fiddling with the April budget to now for sure.

  3. creditcardfree Says:

    Good luck!!

  4. Petunia in an OP Says:

    Wow! I can appreciate how you don't want the bills to pile up, and also how you want to pay off the MC. Best to you in which ever route you choose.

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