I've already had to adjust my budgets for the year a little bit. Number one, I forgot that my driver's license was due this year, so I need to get that renewed by February 12th. It's $72 for a freaking driver's license now. I feel sorry or poor people. That's a lot of money to have to come up with just to be able to drive.
It will be inconvenient and quite possibly painful, but I feel I need to actually go in in person because my photo is 9 years old and I really don't look like that anymore. I renewed it online once already, when we went from a four year license to a five year license and now they are going for an 8 year license, which is why it is so expensive.
By the time I get to the end of year 8 that photo will be 17 years old. Also, a new photo will give me a chance to hide the dark patches under my eyes when they unexpectedly made me take my glasses off for the first time and I was unprepared for it because they never had before. Seems silly to do facial recognition on a face that will always be wearing glasses and will thus mess up any software being used to try to find someone.
And the other reason I have to adjust the budget is that the deadline for signing up for the FSA debit card was during the two weeks my husband was flatened by Covid and he didn't realize until today, so we don't get that benefit this year, where they take the money out of his paycheck pretax all year, but we get to use the $3000 up front that they put on the card at the beginning of the year. It also means we lose what was left on the card from last year, which was $20.14, so not world ending money, but we did pay it in. That's a real bummer.
But DH's mother did give us a check the last week of December for $5000 and we put it all in the medical fund, so we will be able to pay for DS's surgery in full. I also put $500 in it last payday for things like prescriptions and any doctor's visits we have before then, which we have had. But the deductible for the surgery will be $2000 for DS, plus $1000 out of pocket max, I think, so $3000. And then between the other 3 of us we have to hit an additional $1000 for the deductible and $1000 or maybe $2000 out of pocket max.
So, what that boils down to is I will be contributing $500 a month to the medical fund for a little while, until I'm sure we are over the hump for the year, and then probably $250 a month to build it up for next year. We can't guarantee that MIL will give us money every year. We didn't figure she would this year, because of how bad the stock market did, but she still has to withdraw $15,000 no matter how bad it did. I just wish, as I do every year, that the majority of the money didn't go for medical. Or in this case all of it. We would be so much further ahead if it didn't.
Well, DH's paycheck will be slightly larger, but not by too much. They were taking out $115.38 a paycheck for the FSA card, but now that they are not, and the government gets their cut in taxes, it is only $28 and some change more per payday. Shocking how much the government steals from us, isn't it? Well, maybe we'll get some back for all the medical expenses this year. We can't claim anything from pretax dollars. In reality, 10% of that boost in pay goes towards the tithe, too, so I'm really only working with $25 and some change there. So that adjusts the budget a little bit there, as well.
Tomorrow is a doctor's appointment for my daughter and then I have to do the banking, or the credit unioning, I guess, but that just sounds really wrong. I've set up the final budget for the month with the changes and bumped Feburary's around a bit, too.
We are doing really well on the January pantry challenge. No eating out and no buying groceries. I've lost two pounds, probably from the decreased sodium intake, plus I'm just not as hungry since I'm not eating much sugar and far less wheat and slowly lowering my carb intake on most days. That puts me at 13 pounds lost since changing my eating habits when my glucose hit 139. Or maybe it was 129. I don't remember. Anyway, it was scary high.
I'll check in tomorrow, it's still Thursday here, 1-5-23, don't know what the time and date stamp will say, with my payday report.