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Planning for Future Medical Expense

January 8th, 2020 at 09:45 am

I got nothing done today except make dinner and go to the chiropractor. I just don't have the energy yet and I think I will have to take it easy for a few more days. We aren't out of clothes yet and the towels can wait another day to be folded. We'll survive. I just wish I wasn't so cold. Even under an electric blanket turned up to high and with a space heater going in my room, my hands and feet are like ice cubes.

Tomorrow I have to take DD to physical therapy or I wouldn't even leave the house. I really don't want to sit there for an hour, but she wants me at the first appointment. Some days I just want to clip those apron strings hard, but with a disabled child I never will.

Mom is driving us all crazy right now. She's arguing historical facts and also things the End Times are right now and no one wants to listen to her anymore. I have to limit how much time I talk to her right now because she's going through an irrational period.

I think after we have finished paying off our debt to her we are going to take all of the bills except her TV/phone/internet and just pay them directly. Right now we pay for all of the garbage and then are giving her $500 a month for gas, electric, and water/sewer. But she is constantly complaining about how high everything is. I mean, I think she contributes about $50 a month to it total for the joint bills during the cold season and nothing during the warm season, but she just goes on and on.

So if we just take them and pay them it will be one less thing for her to complain about and then she can keep that $50. We're thinking about $200 in rent, too, maybe. It will mean achieving our goals a little slower, but will be worth the down tick on all the unnecessary stress she puts on us and herself freaking out over a 31 day billing month being more expensive than a 30 day billing month. Heaven help the March after February freakout.

We may need to install a handicapped ramp off the back porch, too, which will cost $1000. Mom is having issues getting up and down stairs and DD and I would also use a ramp if we had one. Mom doesn't want to pay for it, so if we do we'll have to save up for it or take that future month's contribution to the EF to pay for it. We are going to be here another six years so it is not the end of the world if we have to pay for it ourselves. We will get the use out of it. RA is a degenerative disease so I know that it would be nice just for me, really. Although, I can still do stairs fine, I don't like them and go down them sideways.

Oh, well. It's 1:45 a.m. I need to get to bed.

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