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Home > Archive: May, 2021

Archive for May, 2021

Retirement and Net Worth Updates

May 29th, 2021 at 12:42 am

Retirement has gone up by $2010.42 bringing it to $54,175.12.  That does not count today's contributions as they have not posted to the account yet.  Not sure how much that will be, either as DH had over time on this paycheck.  Some around $900, I think.

They dumped more company stock in as well.  I'm not allowed to say how many shares we own or what a share is worth, but the value of the new stock we own has increased our net worth by $4483.04.  Company stock can only be sold back at retirement and then it is 1/3 at retirement, 1/3 after a year, and 1/3 after two years post retirement.

With the amount added to the EF our net worth has risen by $7039.52, bringing it to a grand total of $108,466.40.

Emergency Fund Update and Meat Fund Update

May 29th, 2021 at 12:32 am

$16,125.22 Starting Balance

+__,146.06 Amount Added

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$16,271.28 New Balance

I had $60 left in the grocery envelope so I transferred that to the meat fund.  $31 topped off the beef fund portion and now I am saving for half a hog, so there is $29 towards that.  Total money in the meat fund is $3667.

It's Been a Long Two Weeks

May 14th, 2021 at 08:08 pm

Until today I think I went about two weeks between posting.  I had my colonoscopy/endoscopy on the 3rd and it really threw me for a loop.  They gave me ketamine.  The anesthesiologist says it was the highest dose he had ever given anyone in his career.  I was in a lot of pain and kept waking up.  I don't remember being in pain, but I do remember waking up once and going ow, ow, ow, ow, ow, ow, ow, ow, then nothing.

I think a lot of the pain had to do with the position I had to lay in, which was on my worst hip and worst shoulder and it put pressure on my degenerative discs, as well.  But when I woke up my fibromyalgia pain was gone.  I had been in the middle of a bad flare up and it was the weirdest thing in the world.  Usually my pain background level is a 6 or 7 out of 10 and the really bad days can go up to a 10.  I woke up at about a 3 and it was very specifically the degerative discs and the joints with arthiritis in them.  And high as a kite.  It was so weird to be at such a low level of pain.  I'd forgotten what it was like to not have the fibro pain.

The high lasted a good 48 hours and then I was just kind of dissociative for another couple of days before I felt like I was in my right mind again.  The fibromyalgia pain has not come back yet.  It will, but for now it is turned off and I am getting stuff done.

My daughter had her lumbar puncture on the 7th and her spinal fluid pressure was super high.  It was supposed to be a 20 and it was at 44.  She was given a new medication to start on, but we had to consult with her neurologist because she is on another medicine that does not play well with others.  It is generally a drug that needs to be weaned from if you take it for epilepsy, but she takes it for migraine.  So we are waiting to hear back, but of course, the neuro doc is out of the office for the rest of the week.

They were going to see if they could consult someone else, but even if they do, that person may decide it still needs to be a consult with her neuro doc first.  So we may get nothing until Monday.  She can't start the new drug until we find out and she really, really needs to start it because her pressure is building up again.

People always go on vacation at the least convenient times, I've found, for our medical needs.  Ah, well, what are you going to do, but wait it out?

Once she does start this medication it should help her significantly.

My chiropractor mentioned the other day that they are testing a new fibromyalgia drug that is supposed to be really promising and they are looking for volunteers.  I have to look it up and see if I can find out about it.  I wouldn't mind being in a trial and neither would DD.

My husband, son, and I are all scheduled to get our first dose of the Covid vaccine on Sunday and then DD is scheduled for the 25th (she wanted a late afternoon appointment and that was the soonest they had).  We'll be getting the Moderna vaccine.  I will be glad to have that done with.

We have hit our out of pocket max on medical so now all of that is covered for the rest of the year.  We hit it before the above procedures so those were completely covered.  I will still be putting money into the medical fund, though.  DD still needs to get a pair of glasses.  We were waiting until this stuff was resolved.  And then DS needs braces.  We'll be doing Invisilign.  I have $3000 saved for that so far.  We have to go in and do a consult and get an estimate, but it will probably be around $6000 based on what I am seeing online.  Which I can save by the end of the year if I put $400 per payday into the Medical Fund starting next week.

I don't want to go into debt for it.  I am hoping the orthodontist is willing to start with $3000 up front and then either do a pay as you go or wait until January for the rest.  When DD had her braces the doc we went to wanted half up front and then the rest paid off in the following 3 months which was very hard on the budget and that was when we had 50% coverage on insurance.  We have no coverage now with the dental we have.

I had been hoping to use that money for our deductible and out of pocket max for 2022, but such is life.  We just never get ahead when it comes to medical expenses.  But at least we break even.

I need to get the ball rolling on trying to get DD on disability.  She's got hypothyroid, secondary adrenal insufficiency which makes her steroid dependent, ideopathic intercranial hypertension (too much spinal fluid on the brain), fibromyalgia, bulging discs in her back, traumatic brain injury, Raynaud's Syndrome, and Sjogren's disease.

I think she should qualify and then there would be that money to use towards her medical expenses as well as to give her a little something for herself.  We can handle the living expenses, it's her medical that has us barely making progress towards our goals.  She has to go off our insurance at 26.  I don't know if there is any provision for her staying on longer because she is disabled, other than 18 months of COBRA.  DH is supposed to check into that and what qualifies for it.

I am not sure if going on disability also qualifies a person for a government insurance like medicare or the other one, but we might be able to afford a policy for her with the disability at least.  That's what she wants it to go towards if she can get it, her medical expenses.  A private policy would probably be better just because so many doctors don't take medicare or the like and you are often relegated to a lesser standard of care because of it.  That has been my experience with Mom anyway.  It would help if there weren't so many run away costs in medical treatment.

Anyway, other than that we've been working hard in building the garden.  It is going slower than planned, but is starting to come together.  Once we make a bit more progress I'll post photos or a video link or something.

I've also been reading now that I have functional glasses.  I'm on my third book in 4 weeks, which may not seem like a lot to the avid readers around here, but for me, it is.  The first book I read this year took me 3 months because my glasses were so bad and it wasn't easy to read.  This is so much better, now that they raised the reading line a couple of mm.  It's such a tiny amount, but it has made a world of difference.

They are saying the library might open up on a limited schedule shortly.  I hope so.  I like to browse and by then I will be fully vaccinated.  You just don't stumble across books that might be gems if you have to know what you are looking for to reserve online.  I like the books I wasn't looking for.  Those are some of the best.

It is also looking hopeful that the fair will run this year.  They didn't have it last year and it was a major bummer for the community.

Not much else going on here.

Payday Report for 5/14/21

May 14th, 2021 at 06:58 pm

$285.83 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_300.00 Medical Fund

_100.00 Household Envelope

_118.17 Internet

_280.00 Monthly Chiropractic Family Plan

__65.90 Garbage

_150.00 Car Insurance

_300.00 Gas Money

_100.00 Spending Money for Adults

135.00 Allowances for Kids

_116.93 Citi

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2851.83 Total Money Out

Emergency Fund Update and Beef Fund Almost Met

May 14th, 2021 at 06:43 pm

$15,880.55 Starting Balance

+__,244.67 Amount Added

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$16,125.22 New Balance

That means I have $6,107.64 left to save to hit 6 months of expenses, which is my next goal.  That will put the EF at $22,232.86.  I'd like to make that by year's end, but I think it is going to be closer to February unless DH gets quite a bit of overtime or a really good Christmas bonus.

Ultimately, though, I have a goal of 6 month's take home pay, not just 6 month's expenses.  That would be a little over $36,000, which is an additional $13,767.14.  That's likely take an additional 18 months, so around 2 years and 2 months from now I should hit that, barring OT or raises.  Raises are unlikely as they have a wage freeze going on at DH's work.  He hasn't gotten one in over 2 years.  Normally this is a place that gives yearly merit raises, but Covid hit hard.  It could be another year before they unfreeze wages.  They have started to rehire some of the people that were laid off, so that is promising.

I am $31 short of the highest estimate on the beef costs, based on a 750 to 850 pound hanging weight.  With the $2000 I had set aside previously added to the money I've been scrimping out of the grocery budget I am almost there.  I need $3638 total and after the $179 I saved out of the last grocery envelope, I am at $3607.  And from my experience, farmer's always estimate high, but the hanging weight actually tends to be lower.  So it is more likely it will be closer to 750 pounds than 850 pounds.  I've also reserved my beef.  I am getting a whole with a butcher date of either late July or early August (he's got two dates for two different sets of steers).