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Well, That Was Dumb

January 5th, 2018 at 04:10 pm

I just discovered I didn't actually make a payment on the 30th. I recorded it in my check register, but I must have gotten distracted before I actually went online and paid it. Fortunately I had made a payment the week before, so there was no late fee, but that does mean we got charged interest for the $1400 balance. Ugh. I hate when that happens. I hate giving a single cent to the Evil Empire.

Okay, we were a bit distracted having to deal with DD's gall bladder attack, but still. I am usually so on the ball with paying the bills. Lesson learned, though. Don't enter it into the register until I've actually made the payment. I wish I'd realized this two days ago.

I was wondering why the balance was so high on that account. I couldn't find the payment there, so I checked my checking account online and couldn't find the payment there, either. I can't believe I did that. I know I haven't been feeling good and have been kind of spacey all week, but still. This is the second time I have done that in 4 months. *sighs*

I did finally catch all my budgets up to date on the spreadsheets. I finished up September, October, November and December, including entering all the medical bills into each month. I haven't added up the numbers yet, but I know as of August we'd already spent over $20K on medical bills for 2017. I'd say it is going to be around $27K from a guesstimate.

Can I just say again, the Affordable Care Act was badly misnamed? Burdonsomely Unaffordable Care Act would be a much better title. Or Bankrupting the Middle Class Care Act. That would be an acceptable title as well. I know it has helped the people that get it for free, but it has hurt just as many people, if not more so by driving up the cost of everything insurance related, making it more expensive for employers to offer plans, and shifting the expense directly to those who don't get any subsidies. And I'm not sure it is going to get any better any time soon, either. They like to talk about health care, but they don't like to do much, no matter what side they are on.

4 Responses to “Well, That Was Dumb”

  1. Creditcardfree Says:

    I hear you on health Care. Most people I know haven't been fans of the rising premiums. I'd rather have health savings accounts. Sure maybe certain segments of the population should get direct government deposits...or maybe we all should. But I want to pick the type of care I get and negotiate with providers to get the most for the money I do have for health care. And yes, all of us should have catastrophic insurance.

  2. Bluebird Says:

    LR, did you try calling and asking if they'll remove the interest charge? They just might!

  3. rob62521 Says:

    I have a friend who would agree with your wholeheartedly on the the health care act. She pays a large premium, but can't use it. She just tells them she doesn't have insurance and pays out of pocket for what she needs.

    Sorry about your bill and forgetting to pay it. I think we've all done that at one time or another.

  4. LuckyRobin Says:

    Bluebird--Citi customer service is an absolute nightmare. I don't have 3 hours to spend on hold only to be hung up on. The small amount of interest is just not worth the aggravation. And it was my error.

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