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Viewing the 'Medical Issues and Spending' Category
March 25th, 2017 at 08:06 am
Something is wrong with my daughter's eyes to the point that she started losing vision in the lower half of one of them today. Called her regular eye doctor who, is only an optometrist and he said take her to the regular doctor, so we did, just managing to get the last appointment of the day.
The doctor their said he could tell something was wrong with it, but it wasn't anything he had ever seen before and that she needed to go see an opthamologist and managed to get her a late night appointment with one (he came back after dinner to see her).
The diagnoses is one of two things. Either a virus that sprang from nowhere or a virus that is caused by an auto-immune disease. So she'll be going back next week during regular office hours and having blood work done to test for auto-immune diseases. The hope is it is just a virus. If it is, you treat it, it goes away. If it is a virus caused by an auto-immune disease it will go away with treatment but will reoccur.
Auto-immune diseases most likely to cause this are rheumatoid arthritis and lupus. I've long suspected she had an auto-immune disease, but I figured it would be MS like Dad or fibromyalgia. I hope it isn't any of the above, though.
This could get expensive. Our insurance doesn't cover labs until you've met the deductible. Although she might be getting close on hers. Her prescriptions were $210.
In other news, I paid the 6 month premium on the car insurance of $436.01 today and a medical bill for my daughter of $130. Plus a regular co-pay of $30 and a specialists co-pay of $50. The car insurance was down about $50 from last time. Our car is over five years old now, so I think that may be why.
DH got his schedule for his drug test for work so that's moving along as expected. I really want to see the benefits packet. I do hope it comes on Monday as it is supposed to.
We spent some time putting the cabinet together. We still have to add two more shelves, the top, the back, and the earthquake guards and then it will be done. It shouldn't take more than an hour. Hopefully DH will get around to fixing the two garden bed corners that are coming apart as well.
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March 12th, 2017 at 09:45 am
Today was not a no spend day as we went to Winco and stocked up on more soup. I will be glad when cold and flu season is over, because about all my kids are eating right now is soup. They are, at least, adding eggs into it to increase the protein content. If I were making it from scratch, there is no way I could keep up with their consumption right now.
Yesterday I had my appointment with the dermatologist. Apparently I have three different things wrong with me, two of which are treatable and one that is not. He gave me a cream for the patch under my nose (and I sometimes get it by my right eye, too) that will not heal and an ointment for the rashes on my fingers. Already there has been tremendous improvement and they don't itch all the time.
The non-treatable thing is called knuckle pads. It's a thickening of the skin over the knuckles and is generally hereditary. It is also a sign of insulin resistance, which I've had for years, and diabetes (which I don't have and have never come close to having).
On the bright side, he does not think I am actually allergic to nightshades, but getting nightshades on the rashes can aggravate them. Just like chopping onions and garlic and getting their juices on the rash can aggravate them. Mostly because the juice of these things cause pain if left on the skin. Once the rashes heal I should be okay if I get it on my skin.
So I decided to try eating them again and was very careful not to get them on my hands or the skin above my lips. No reaction. I am still going to be careful about reintroducing peppers, but it's nice to think I may get to have all the Mexican foods I love back.
I've had to switch out all my products. Even though they were all supposedly safe for my skin, they aren't. One lotion that claims to be good for eczema has alcohol in it, near the start of the ingredients. Alcohol dries the skin out and has no business being in skin cream.
So I've bought Kiss My Face olive oil soap, the only ingredients of which are saponified olive oil, water, and salt and am to use it on my face, not just my hands. I have Neutregena Norwegian hand cream and am supposed to use it every time after I wash my hands. Just a tiny amount though, not slopped on like most people do with lotion. I've got Bio-Kleen laundry soap that is unscented. I was using citrus, but no scents at all. I already used the free and clear Bounce.
I have Seventh Generation free and clear dishwashing liquid, but I have to use rubber gloves from now on every time I do the dishes. Dishwashing liquid is not good for hands (not even the Palmolive, you're soaking in it one) and I am not to get it on my hands.
I washed all of my bedding yesterday and I think it is already making a difference there, too. Between the co-pay and all the soap, lotion, prescriptions, and cleaning products, I spent about $125. Better than I'd hoped, but more than I wanted to spend. Still, if it heals my hands, I'm all for it.
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March 9th, 2017 at 05:46 am
As I mentioned on the 19th, I have been learning to crochet. I have made some serious progress and I am very pleased with the results so far. I think I'm going to make a king size blanket out of the above pattern. DH is going to do the math to figure out how many squares I will need to make one.
Eventually I would like to learn how to spin. I think I would need to work with alpaca fiber, though I might try wool. A spinning friend of mine said that often times people who think they are allergic to wool are actually allergic to the residue left on wool by the chemical process used to strip off the lanolin.
So when I do get around to learning to spin (and you can build a spinning wheel out of pvc pipe and an old bike wheel and a few other things for cheap). It's also quite easy to make a drop spindle out of two old CDs, a dowel, a cup hook and a rubber grommet. So getting started wouldn't be too expensive, though I would have to get carders. An acquaintance of mine has a sheep's dairy and has tons of fleeces he's trying to get rid of right now. But I'm not sure I am ready to pick up this new skill just yet.
DH and I are building another cabinet. Not a canning one, but one that can hold the dehydrator, the Aerogarden, the printer, the food processor, the crockpot, the blender, and the waffle maker in a tall column. This one won't have a back to it, which it doesn't need.
DH and I are also going to make a corner desk for my room. I have been wanting one for ages, but they are too expensive. So we will build one out of pallet wood and some plywood cubicles I already have. The cubicles will be in place of the legs of the desk. I have three so we can do one on each corner. Then we can build shelving onto the corner section of it as well. I will finally have a place to sit and write. Right now I do it on a TV tray sitting on the edge of the bed.
I am learning so much about carpentry. It's really neat. We always feel like we are accomplishing so much when we build something new.
The next thing on my agenda, I think, is to learn to sew. I can do hems and buttons, but that is it. I want to learn how to read patterns and make clothing. Nothing fancy at this point, but I'd like to design some tops that actually fit my body right. I'd also like to make some halter style tops I can wear in the summer, but that don't have a bare mid-drift. I don't care if my back shows, but I really don't want my stomach out. Most halter tops are designed for girls who have not got much on top, not women who do. I just need DH to find my sewing machine in storage, so that may take a long while.
DD had her appointment at the ENT. That was a $50 co-pay since they are specialists. He put her on prednisone and an antibiotic and then in 3 weeks we go back and he'll do a scan of her sinuses and see where things are. He said the lower part of her septum looks straight and chances are pretty high she'll end up going to an allergist/immunologist, but he want to rule out polyps or deeper inside the septum that he can't see from just looking up her nose.
Nothing on the job front. We still have $35,000 in savings and are currently living on the tax return. DH is going to try to find some freelance work. He didn't pursue it before, but with no one hiring him, it may be the way we have to go.
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March 4th, 2017 at 04:36 am
It is supposed to start snowing around 5:00 a.m. tomorrow morning. I am less than pleased and I know the chickens will be ready to mutiny. Quite frankly, I'm ready to mutiny if I see anymore of the white, flaky stuff. At this rate my son may have snow on his birthday this year. That has only ever happened twice in almost 17 years. I am so ready for spring. I want to be planting in the garden, not seeing another foot of snow filling the garden boxes.
I am sending DH to get a few things before we have to snuggle in for a few days. My prescriptions for one. That'll be $20 for the 4. I don't want to run out of my sleeping medicine, especially. As an insomniac, it is never fun to run out of the drug that at least ensures you get 4 hour of sleep every night.
I can make bread as long as we have power and I have an entire loaf of French bread in the fridge and 6 rolls on the table, so I'm not worried about that. We have had very little milk in the last few months, but I do happen to have a half gallon of whole and a pint of cream for some upcoming meals. There is really nothing else we need. One of the nice things about having all of my home canned items, my stash of bottled water, and my freezer full of meat, is that if we can't go anywhere for days at a time, we will be okay.
We have plenty of animal feed on hand. We also have plenty of hay and straw. The heat lamps are set up and so are the heated water founts. The heater is in the rabbit shed. We run it just low enough to keep the water bottles from freezing unless we have kits and then we keep it at at least 50 degrees in there.
On tomorrow's agenda is making cinnamon twists. I think they'll be easier than making cinnamon rolls, which is a pain in the neck. These twist just like Kaiser rolls, which I make all the time, so they should be easy enough, just have a different dough recipe. Being trapped in the house for the better part of the week I can handle. Being trapped without sweets, on the other hand, is a totally different story.
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March 1st, 2017 at 08:07 am
Honestly, it was a pretty boring day. I spent most of it reading my library book Nourishing Traditions. Which is kind of a cookbook and kind of an old take on good nutrition and where government mandated nutrition went really, really wrong and basically caused the obesity problem in this country with its guidelines. I think it is related to the Weston A. Price Foundation. Anyway, it is a good read so far. She's really done her research.
I don't think I mentioned it, but we sold Jasper on Sunday. I got $25 for him. This puts our rabbit herd down to 12 adults and 11 grow outs. I hated to see Jasper go, he is such a love, but we didn't need 4 bucks, especially when 3 of them are whites. I have been debating on whether or not I want to keep a broken doe, but if I do it won't be from the current two litters.
I'd like a broken red. So we'll see if a Zander/Bonfire cross or a Zander/Ruby cross will produce one. As much as I'd love an offsrping from Cinnabun, she has cataracts and I can't risk her passing that on. I don't want to be treating the eyes of more than one rabbit daily. She's still good for producing meaties, though.
Zoe died. I can't remember if I mentioned that or not. Also on Sunday. She was one of our ducks and she had a staph infection in her foot. We tried pretty hard to save her, but I knew in her last couple of days that she probably wasn't going to make it. You get a sense of it with livestock after a few years. It's sad, but we were prepared. That brings our duck population down to 6. At least all the other ducks are healthy.
I think one of Mom's chickens is sick. It's one of the ones she got from the pound and she's never been the healthiest bird, but she's limping real bad. I checked her feet and she's got bumblefoot. That is not fun to treat, but it needs to be done, and then she'll have to go in a hospital cage to keep her from running around on it for at least a week. Not looking forward to that.
DH did run up to Winco and picked up some more soup. The kids have been eating it like crazy. They add eggs to give it more protein. He bought $26 worth. At least it is cheap soup.
Oh, and there was a $50 co-pay for my daughter at the dermatologist. I had DH make an appointment for me while he was there. I have an extreme rash on my hand that won't go away. I was thinking it was eczema, but now I'm starting to wonder if it isn't something else. I'll find out next week.
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February 17th, 2017 at 09:17 am
Yeah, so I've been quiet, but I'm alive. I had a very bad virus, or possibly the flu, that put me down hard for about a week. I came down with it the night of the 2nd, but it didn't hit hard until the night of the 6th and then I was down for the count. Oh, it was a rough one. I slept for about 4 days straight at that point and then finally began to feel human again on my birthday, the 12th. Human enough to make a cake anyway. I'm 47 now.
On the 13th I felt up for going to Costco. We were out of a lot of staples like flour, sugar, salt, cheese, and were almost out of toilet paper. I also bought some chicken, fish, and frozen broccoli. I had planned to pick up my birthday present, too, a food processor, but they didn't have them anymore.
On the 14th I felt like I was relapsing so I went back to bed and took it easy. On the 15th I had physical therapy and went to Walmart and bought a food processor there. Now we can give MIL back her ancient one that travels all over when you use it and shakes so bad I was always afraid it was going to fall apart in front of me.
I also went to see if I could find some tennis shoes because all I have now are loafers and flip flops. I found some Dr. Scholl's that actually fit in width, so I could buy a size 9 instead of a size 11. They have great gel insoles, too. I bought two pairs of the same shoe and will put one up in the closet until the first pair wears out. It is so hard for me to find shoes that fit. And I picked up two new nightgowns as I had to toss one that got eaten by something and all torn up and the other is wearing so thin it is practically see-through and not at all appropriate to be wearing in front of my teenage son.
As much as I don't like spending right now, I don't feel bad about these purchases. The food processor helps so much in shredding cheese, cabbage, and onions alone. It saves me so much work and makes it so much easier on me to cook at home. It also saves money to do these things at home as cheese is cheaper in blocks, cabbage is cheaper not pre-shredded, and onions are cheaper not pre-chopped. And the shoes and nightgowns were needed. Well, maybe only one pair of shoes was needed, but as hard a time as I have finding them, I felt it prudent to get the second pair now.
DH got me a single red rose for Valentine's Day. We usually don't bother with the holiday at all, feeling it's a commercial made up holiday, but he bought me one and I do like having it as it slowly opens. I also got a Fragrant Jewels bath bomb for my birthday that had an amethyst and silver ring inside that I used on Valentine's Day. Very pretty piece of costume jewelry and a very nice soak in the tub full of purple water.
I'm still running low on my reserves from the virus, so I have to be careful not to push too hard. I am back to eating nutritionally (i.e. more than ice cream, soup, and tea). My son is over the virus, my husband is a few days behind me, and my daughter is still in the middle of it, but at least on the upswing.
I'm going to try to make the rest of the month be no spend except for medicine and milk.
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February 5th, 2017 at 02:15 am
Nothing on the job front. This good news is about my body. Last week the physical therapist tried a new treatment on me. I went in on Monday and then again on Wednesday. I felt improvement after the first time and after the second I was kind of shocked. Guys, I am walking without pain. I am sitting up without pain.
Things had gotten so bad that even going to the grocery store was getting really hard. Forget going to more than one grocery store in a day. One trip would wipe me out for the rest of the day and night. The day after the first treatment we easily went to three stores. Then on Wednesday we went to two. No limping, no pain, no having to recover from it all afterwards.
The only issue is I have very little stamina. I'm weak because I haven't been in the pool since late October when I got so sick and then hurt myself so bad in November when I fell. So while I can walk okay now, I tire very quickly. I will have to work on that. I am going to attempt to start using the treadmill again. Just 5 minutes a day to start and then add on and see how I do.
I can sit in a chair now for more than 5 minutes without having to shift my position. Or throw my legs over the arm while sitting half sideways. It is really remarkable. I hope it lasts. So far it seems to be. I will get another treatment on Wednesday. If I can start walking again when the whether warms up I will be such a happy person.
It may be a few days before I start up the regimen, though. My PT had a cold that she said she was over, but she coughed in both sessions and I came down with it Thursday evening. It feels like the plague, I swear, though it is probably just a very bad head cold. I am treating with elderberry tincture, elderberry syrup, honey/lemon/ginger/garlic tea, and the lovely orange, pseudophedrine, mucus relief pills, and blue/green cold pills. That allows me to function enough to eat, shower, and dress myself, but not much else. Hopefully it will pass soon.
So my PT is on both my good and bad list this week. I think walking wins, though.
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January 28th, 2017 at 12:18 am
DH has a job interview scheduled for Monday. It's a phone interview. He submitted his resume on Monday and heard from them yesterday, so that's got to be a little promising right? Considering how many resumes he's submitted in the past several months and how slow to never companies are to respond, having someone jump on it that quickly inspires some hope. I guess I'm cautiously optimistic.
It's not an oil based job, but its all stuff he has the experience to do and their benefits package is phenomenal. He never heard more from the hiring company about the refinery HR he was meeting with. I don't really know if that means anything. That hiring company guy seems a little scattered and certainly isn't prompt about getting back to DH ever. Which makes me wary, despite them having a good reputation.
If he gets hired on with this company it might mean moving closer to Seattle or it could mean moving out of state or to Eastern WA. I don't know. I am certainly not stuck on living here forever, but I certainly don't want to live in Seattle with the frequent protests snarling what is already nasty traffic.
Well, I suppose I'm putting the cart before the horse. This is just a phone interview. He has to do well there to even get an in person interview. Though he does tend to interview well. Here's hoping. He'll run out of benefits pretty soon.
Does anyone know if President Trump has rescinded the part of Obamacare that requires you to purchase health insurance yet? I know part of it has been, but I've lost track of all of it. I don't know if that part will be taken out, but if it is, we are cancelling our insurance immediately. Our savings will last a lot longer without it and our medical out of pocket will be 1/3 or less of what it is now.
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December 21st, 2016 at 10:14 am
So DH received a Christmas Bonus in the mail from his former employer. We knew we were going to get something because they sent us some paperwork back around Thanksgiving, but I figured it was going to be some token amount or a percentage based on how many months out of the year he'd worked for them (75%). But it was actually $200 more than last year's bonus. Maybe the additional was due to him staying until the bitter end.
Anyway, the amount was $3900.91. So no unemployment this week, but this is way better than that and it means the unemployment will last longer. I am hoping that this bonus will get us through January.
There are starting to be a few more oil jobs being posted. He's put in for two slope listings, but we don't expect to hear anything until after the holidays at this point. Slope usually goes to skeleton crew at this time of year. We expect that oil jobs will pick up now that the electoral college has officially declared Trump president. But we don't expect hiring or interviews to begin until January. No one does stuff over the holidays.
DH did have an in-person interview with the aeronautics company that he did two phone interviews with previously. They are just at the start of the live interview process (he was one of the first, if not the first in person interview they were doing) and they wouldn't hire until the end of January if they hire. It's not a permanent job anyway. It's one that would be series of small contracts as work was available. Not ideal, but better than nothing and the experience in that field would widen his knowledge base.
In two more days, it'll have been 4 months and I am getting antsy. The stress is hard. Seeing savings being depleted is hard. It's a nagging worry that's always in the back of my mind except when it's in the front of my mind. I live with this constant rock in my stomach. I think I might be getting an ulcer from the stress, because I've been eating Tums like they are candy and this with eliminating peppers from my diet.
My ankles finally feel like they are heeling, though. I know I mentioned the bad fall I took and the major sprain of the one ankle, but I don't think I mentioned that I lost my balance and rolled the other ankle about 10 days later and sprained it, too. It had minor swelling and minor pain, and was just enough to make it difficult for me to stand for more than a minute at a time. I still have swelling in the first ankle 5 weeks after the injury, but the pain is mostly just if I press the area where the ligaments were stretched too far or if I do too much standing.
I did get in to see the ENT a week ago and he put me back on steroids and gave me 2 Z-packs and sent a letter to my doctor to be placed in my file about how to treat this condition. He also told me he had sent them one back in March. The on-call doctor had claimed there was no record of this type of treatment. I did find out later that it was in there. Anyway, the ENT is sending a copy of the new letter to me so I can have one, so if they conveniently can't find it in the future I can pull it out of my purse and go, "It looks just like this."
The ENT was really annoyed with my doctor's office. He said I should not be having to go through this crap for 8 weeks before getting the right treatment, when he'd told them before and I told them what it needed to be. I will be looking for a new doctor after the holidays. I want to see a holistic type doctor instead. I'm so tired of doctors who look at me but don't see me. I miss my old doctor so much. Why did he have to get old, retire, and die? I mean, he was only 83. They don't make doctors like him anymore.
But I did get the medicine and it is helping now that it's the right dosage and the meds are being taken together.
We had a litter born on the 18th. There are five healthy kits, 3 broken blacks and 2 that are either solid blacks or steels. I'm leaning toward steels.
The older litter is 5 weeks now. They are doing well. It looks like I have two broken blues, one broken black, one broken steel, a lightly broken fawn, and a steel (black with white hairs mixed in) there. Colors don't fully set until they are older though, so that's just a best estimate for the time being.
Life going on on the farm makes me happy. I am waiting for 3 more does to give birth. They are a day overdue. If the two whites don't have kits this time, I think I will have to declare Jasper a dud. I will give him one more try, but this will make 3 breedings with nothing from him. Zander on the other hand is doing his job, as you can tell from all the broken and colored kits being born.
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December 2nd, 2016 at 04:16 am
I do not need this drama. Why do I flipping attract so much drama? Am I a drama magnet? Seriously, I just want to get better. Why do so many doctors think we don't know our own bodies? Why do they have to be so arrogant in their attitudes? And why, when told why they are wrong do they continue to believe what they want anyway?
No, on call doctor, I cannot take penicillin. I will get hives. I will feel like bugs are crawling all over my body. And if I stay on it long enough, my hives will turn into blisters. And just for kicks and giggles, 5 days in I'll get a roaring yeast infection. See that thing in my chart that says what I am allergic to? Penicillin is the first thing listed.
No, on call doctor, I cannot take doxycyline. It does not work for me. It has not worked in 20 years. None of the cycline drugs, do. Yes, I know the doctor had me take it last year, even though I said it did not work for me. Yes, I know I didn't come back afterwards. That does not mean I got better. That means I finally got into the ENT doctor and he gave me something that actually worked. Which was what I asked you for this time, because I can't get into the ENT until December 13th and I couldn't get into my own doctor until December 7th, even though I was supposed to see him today which is why I'm here seeing you.
Yes, I have had indigestion for the past 3 days. No, that has nothing to do with anything. It has nothing to do with 6 weeks of sinus pressure, fever and chills, stuffiness, coughing up phlegm, painful ears (no longer painful), headache, joint aches, sore throat, and enlarged lymph nodes in my neck. Two weeks ago, they said it was bronchitis and most definitely not the flu, but did not give me antibiotics, just steroids. Now you are telling me it is not a respiratory infection, even though nothing has changed.
So when you finally got over your brilliant idea that it was somehow related to GERD, which I don't have the symptoms of, except for the last 3 days my stomach was a little upset due to a muscle relaxant (Valerian root) I was taking for a muscle knot, which I told you, you grudgingly agreed to give me an antibiotic. We agreed on one by name, and a 14 day supply.
The nurse comes in with a prescription for a 10 day supply--of doxycycline. I was very unhappy. I made her bring the doctor back in. Her excuse was oh, well, that other drug wouldn't actually work for what you have, it's for skin conditions. I asked her why she even brought it up then. She said she made a mistake. I'm like, you don't know your drugs? I'm thinking, isn't that kind of basic?
So we went over again why I couldn't take doxycycline. And then she went back to saying how she didn't think I needed antibiotics, that she thought it was a stomach issue and I said I'd already been down that route and been cleared, there is nothing wrong with my stomach . I'd also already been down the lung route. It isn't that. My lung capacity is fine.
I reiterated what worked and she finally agreed to give me that drug, but only half of the amount I needed. And only after a lecture of how it is bad to take antibiotics when you don't need them, not just for you, but for the whole community. I was so close to flipping her off because of her condescension.
My voice got very deadly at that point and I told her that as an organic farmer I probably knew far more than she did about the abuse of antibiotics and I also knew my own body. I knew what worked and what did not work, and what I needed to beat this thing. I went on to inform her that not treating something long enough with antibiotics was even worse, because of how it only killed the weak versions of the bacteria and allowed the powerful ones to thrive and that that was exactly what she would be doing by not prescribing the medication for long enough. It happens this way every single time, regardless of whether she wants to think it can or not.
Her response was if you are still sick after finishing this course of medicine you can come back. I said I've already been here twice and paid for an x-ray. I can't afford to go to the doctor 3 times in 5 weeks, because you don't want to prescribe the proper amount of medication the first time. I also told her I was tired of doctors who refused to actually listen to patients, who had a lifetime of experience with their own bodies.
She said I needed to see my own doctor from now on then, because seeing all the different on call doctors when I was sick made it difficult on them to diagnose me since they didn't know my history. I said I'd tried, but they scheduling people had screwed that up and I had just told her my history, twice, but she wasn't listening.
They had screwed it up, too. I had an appointment scheduled with my doctor. I even had the card with me and showed it to them, but apparently he wasn't in today and they don't make appointments for one in the afternoon as that is the lunch hour there. But it was clear as day on the card. She told me he had on call slots available for tomorrow. I said then I'd have to pay another co-pay tomorrow. And anyway, the front desk had said it would be a week before I could see him, which was the only reason I'd agreed to see her, so I highly doubted it. I checked on the way out. He did not.
I'm going to write a letter to the practice tomorrow after I've had time to cool off a bit detailing my experience with this awful woman. Then I'll sit on it for 48 hours and then edit it to make sure I'm being polite. I'm thinking about finding another practice altogether, because this is not the first on call doctor to act like this, although this is the worst case of it. I don't like my own doctor well enough to put up with this kind of crap from the on call doctors. I don't dislike him, but I have no loyalty. I do think he deserves to know why if I decide to leave, though. Maybe it is time to see a naturalpath.
Edited to add: Went to get the prescription later and she'd prescribed something else. But the pharmacist won't let me have it, because it interacts with a different medication I'm on and the two together could cause heart problems. Which, you know, I could have told her if she'd flipping told me what she was going to do. That's two medications she knew squat about. Unprofessional piece of work.
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November 19th, 2016 at 11:48 am
I was finally able to see the doctor, not mine, but the on-call doctor, on Wednesday. At least it was the really cool Vietnamese guy that I really like, even better than my own doctor and I'd totally switch, but they have some kind of anti-poaching rule at the practice.
Not that I don't like my doctor, it's just sometimes I feel like he doesn't pay attention to my history. I wish my old doctor was still around, but sadly, he died a few years ago in his 80's and worked up until a year before that. I'd gone to him my whole life, he'd delivered me, even. Talk about knowing my history.
He sent me for an x-ray to rule out walking pneumonia. He wasn't sure but thought I could be borderline between that and bad bronchitis. Didn't find out until Thursday that it was bad bronchitis. He put me on prednisone, but the pharmacy didn't have it. Apparently no pharmacy had it, so they ordered it, which meant I didn't get to start it until the next morning when it came in. Then it cost $250 out of pocket because our insurance didn't cover it and apparently it doesn't qualify under the cash discount program.
I'm not sure why he didn't prescribe antibiotics since I've had this for four weeks so it's got to be bacterial at this point. I mean, I know I'm allergic to penicillin, but there's got to be something else. I've had bronchitis before and been treated.
So still feeling pretty miserable, drinking a lot of Throat Coat and Breathe Easy teas from Traditional Medicinals. I throw a tea bag of both in one cup of water to steep. I love the combo and it seems to work for a couple of hours. Also taking the orange and blue cold pills of various store brand varieties to at least manage the symptoms.
Then on Wednesday night I got my foot caught up in the bathroom rug and somehow went up on my toes, then over them, bending them backwards so my body weight came down on the top of my foot stressing my ankle. It would have been okay if my other foot hadn't gotten tangled in the rug, too, making me lose my balance and in the process I went sideways onto my ankle fully rolling it to the outside and down onto my ankle bone.
I grabbed for the vanity, even touched it, but I couldn't grip it and down I went onto my right side. I managed to turn a little so that my hip didn't take it straight on and it got more of my butt, and I got my arm up to protect my head from the floor and the door, but knocked my elbow hard and the outside of my hand and pinky.
But I saved my head. The only thought I had after I knew I couldn't stop my fall was don't get a concussion. I have only gotten my short-term memory working like normal again after last summer's concussion for about 3 months now. And this would not have been a mild concussion if I'd hit my head like that one. I probably would have knocked myself out.
By Thursday morning I had a round purple bruise covering and surrounding my ankle bone, and a flat inch wide and four inch long bruise across the front of my ankle. It was swollen to 4 times the size of my other ankle. The inside of the right knee hurt from the pull of the ankle roll and swelled, too. It still hurts, but the swelling is gone. The ankle swelling, with a lot of icing yesterday and today is only about 3 times as big as the other one now.
The weird thing is, that as much as it hurts, it really just feels like a great big bruise. It doesn't feel broken or like I tore any ligaments or tendons. I don't think it is sprained, just strained and badly bruised. I can still flex it in all directions without anything shooting or stabbing, it just aches, like a bone bruise. I can walk okay, though I put on one of my ankle braces that I normally just wear in the pool for support. Walking doesn't make it hurt more than just existing. It hurts to go down or up steps and I have to go down on my foot with the bad knee because I can't do it on the strained ankle.
Tomorrow I will start alternating ice with heat. I am taking painkillers. It is interfering with my sleep, but so is the cough so who knows if I'd be asleep anyway.
Tomorrow we go to the farm to pick up our turkeys for Thanksgiving and Christmas. We didn't get big ones this year because we waited too late to order them and all they had left was the small size. 8 to 12 pounds. That's okay. Thanksgiving is just us this year and if I have my way, Christmas will be, too.
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November 4th, 2016 at 12:29 am
We have decided to stick with the plan we are on for insurance for next year. It is going to go up $137.44 per month in January, making it $1336.44 a month or $16,037.28 a year. What a racket. I hope DH finds a job soon that has medical. This is going to burn through our savings once unemployment stops.
If DH doesn't have an income next year, the fine for 3 adults and one child for not having health insurance is $2432.50. With an income it is 2.5% of gross income. That's a difference of $13,604.78. That's three months of living expenses. It is just so much cheaper paying out of pocket without insurance. I am just afraid not to have something as backup. Ugh. They really just need to change that to the Unaffordable Care Act.
I know if we want to give up seeing the doctors of our choosing and let the government into every aspects of our lives next year we could get super crap insurance and be subsidized, but I don't want to give up the quality of my health care and the relationships with my doctors and nurses that I've formed. I don't want to see whatever doctor is available at the clinic and have to wait 6 hours in a crowded waiting room to do it because they are running so far behind.
I don't want to have to take government charity, either. With unemployment it's an insurance program that is paid into as part of your job benefits. With subsidies, it is not. It is for folks who it will cripple financially if they don't get help. I know that eventually it might do that to us, but not yet. We'd just last a lot longer if the rules weren't so ridiculous.
I guess I will deal with that when the time comes. I wish we were a healthier family without auto immune and other long-term issues. If we didn't have the prescriptions and all the doctor's visits, we could have a plan with a less expensive premium and it wouldn't really matter if we could see our own doctors or not as we'd only go in for yearly physicals. Prescriptions wouldn't matter. But we're not and they do.
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November 3rd, 2016 at 10:55 pm
My daughter has been struggling with something that has seemed to baffle the regular doctor for a year now. In the last couple of weeks the purplish brown patches on her feet really started to hurt and darken and as a last ditch effort he sent her to a dermatologist who said, "I'm Dr. D and that looks like granuloma annulare," before he'd even sat all the way down. After he did a full skin exam, he took a biopsy to send off, but he's pretty confident.
It's an auto immune disease and they don't know what causes it. It is not common, but they don't consider it rare either. Obviously he could look right at it and be 98% sure of what it was. Untreated outbreaks can run the course of 2 to 5 years. Normally it doesn't cause pain unless it occurs over joints and then the skin thickens there and starts making it hard to flex those joints. That is what is happening to her.
Treatment will be a series of injections, numerous pinpricks of cortizone throughout the spots. It might be two sessions, it could be up to four, depending on how well she responds to it. They will be six weeks apart. They do have a topical treatment, but it is daily application for 6 months and fails in 75% of patients. And when the patient is in pain they don't recommend it.
She also has a big patch of eczema on her shin. So he gave her a prescription for a cream which she will also use on the patches until the biopsy comes back and we can start on the injections. I'm not sure what the insurance will cover here, but we'll pay it outright if we need to. This is something that is making it hard for her to walk without pain.
Hopefully the insurance will cover at least part of it. Injectible cortizone has been around for decades so I doubt it is still under any kind of patent. I'm pretty sure there are generic versions.
I'm just glad he didn't take one look at it and say cancer. I know we still have to wait two weeks on the biopsy results, but he seemed very confident. I told DD it was probably going to be something where the doctor had never seen it before or knew immediately what it was. I'm glad it seems to be the latter.
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November 2nd, 2016 at 09:59 pm
DH has officially been unemployed for 10 weeks (and 3 days) now. I did the math for what we've been spending up until now. So far I have withdrawn $9000 from our Emergency Fund, which works out to $900 a week. We don't use it like that, my withdrawals have been $2500, $3500, and $3000, and we go until it runs out before I transfer more. Close to $2000 of that went to pay for glasses and eye doctor visit, dentist visits, doctor appointments, and prescriptions during our uninsured month.
We have also received 4 unemployment payments, but one came today and is going towards November and the other we haven't used yet so is also going towards November. It will pay for the November medical insurance and whatever other medical we have until it runs out. Each payment is two weeks of benefits. So we have used 4 weeks of benefits, which is $1576. That has all gone towards paying for medical insurance, co-pays, c-pap supplies, and prescriptions.
We have 14 weeks left before DH runs out of benefits. He's worked a job that has paid into unemployment insurance for 32 years, far more than he will ever see back in his lifetime. It's too bad that he can't withdraw based on what's been paid in for as long as he needs to. I'm still hoping he'll find a job by the end of the year, but if not benefits will run out by the end of January and we will have to cover our insurance and other medical costs without any help.
There is $11,000 left in the Emergency Fund, so at the rate we are going that should last until the middle of January, at which point it will be gone and we would have to start dipping into the farm down payment fund of $45,000. I don't want to have to do that, but if we have to it gives us the option of another 10 months or so. After that I don't know what we'll do.
I think if the refineries don't start hiring in November we're going to have to tighten our belts. I know its not as tight as it could be yet. I've not wanted to go full on if there is a light at the end of the tunnel, but I know where to cut and I'm prepared to do it.
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Emergency Fund/Coin Jar
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October 5th, 2016 at 01:03 pm
Today, well technically yesterday, we used our new insurance for the first time. They weren't entirely sure as whether or not they fall under regular doctor or specialist doctor. I think they are specialist, but since we see a nurse practioner for this not an actual doctor that might change what the co-pay is. It'll get sorted once the cards actually arrive in the mail.
The bill arrived in the mail so we were able to set up automatic payments to one of the credit cards. That way we won't have to worry about it again until such time as we need to change it. We also could have set up direct withdrawal if we'd wanted to. I prefer the credit card though as it leaves a better paper trail. Then the credit card gets paid in full when it is due.
I have an appointment on Thursday afternoon so I hope the cards show up between now and then. They are so much easier to do when they can just swipe them.
Totally monthly premium comes out to be $1199. So the unemployment should pay for that plus prescriptions and a few doctor visits a month. I am glad of it as it will really help our money to stretch longer.
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October 4th, 2016 at 04:42 am
DH has been unemployed for 6 weeks now with not a lot of progress, unfortunately. He did have his resume accepted by a local refinery and was contacted to say he had been placed into the pool of candidates to be considered for upcoming jobs starting November through February. And that's pretty much what we've been hearing. Most jobs in his field won't be hiring for a few months.
A short term (4 to 6 month) job listing came up today here in town for a job he is qualified for, probably over-qualified for, so he sent a resume in for that. Even if there is no prospect for a job before the refineries start hiring again, we will be okay for a while. But I do hope he finds a good job soon. I am trying hard not to put pressure on him, since he is working hard at looking. These lulls happen. He's just never been caught in one before, and shouldn't have gotten caught in this one, but you've heard that rant already.
I made the second withdrawal from our Emergency Fund today, $3,500. We should be able to get through most of October on that, plus the unemployment when it comes again. That brings the EF down to $13,500, but remember we still have $45,000 in the House Down Payment Fund we can tap if we need to. And a few hundred in the Moving Fund.
The reason why we won't make it through the whole month on the $3,500 is that we will have to make an insurance premium payment and that is somewhere between $1100 and $1200. Ouch. I'm just not sure when. We will likely charge it to get the cash back points. We finally got approved and our acceptance letter came today with a paper we can use temporarily until our cards come which should be later on this week. That will put our prescriptions at $10 each and regular doctor visits at $20 each and specialist visits at $45, period, without the deductible kicking in. It is a $5000 deductible for everything else for the family.. No vision or dental for anyone but DS, since it is law to require it for anyone under 18, but they don't care about adults (even though 75% of the population in the US wears glasses or contacts).
We ended up going with a silver plan, because when we plugged in all the numbers it was going to be cheaper for us to do a silver plan than a bronze plan. And while the gold plan has a $2000 family deductible, it wasn't worth the difference in costs since doctors visits and prescriptions were so reasonable outside the deductible.
Both DD and I had to buy glasses in September out of pocket as we both had severe prescription changes in just one year. Out of pocket costs were close to $1000 (including her eye exam which happened after losing our insurance). But seeing is necessary, and it has made a tremendous difference for me. My headaches are gone and they were getting quite bad.
I didn't post much in September. I pulled that muscle in my back again and was in a lot of pain. Still am in some, but it is starting to improve. I have to budget what I can do, though. I have to make choices. If I need to go grocery shopping, that is all I will be doing that day. If I need to can tomatoes, they get chopped up one day and canned the next. I finally made dinner tonight for the first time in a while, but had to have help with chopping things. And it was exhausting.
DH has had to take over my rabbit duties. I miss them and have only managed to go out twice in three weeks to do general health checks. Good thing I did, as Ruby had an abscess. DD (vet tech student) was able to drain it and treat it, but if I hadn't checked on them no one would have known to do so.
I didn't get too much of a fall crop in, as the time I should have been planting was when the muscle pull happened and I went down really hard. I can still plant some carrots and turnips and put some greenhouse plastic on the supports that normally hold netting to keep out the birds and squirrels. I can put in radishes, green onions, and kohlrabi as well. I just have to have the energy to do it. I worry about bending over the garden bed, too, even from a chair, as I don't want the muscles to spasm again. I have another month until I need to plant my garlic.
We are getting kale, lettuce, broccoli, kohlrabi, peppers, tomatoes, basil, and sage still. Chard will be ready to start harvesting in another week or so. No sign of the first frost yet, but that usually doesn't happen until Halloween at the soonest, sometimes not until well into November. Last year it was December before we got a frost hard enough to kill anything except the tomatoes and we overwintered kale and chard.
Tomorrow I need to chop and freeze peppers. I have serrano, ancho, jalapeno, Anaheim, and sweet bells. And we need to start chopping and freezing onions, too, though they will last a lot longer than the peppers without it. I'll have to take it in steps with DH helping me. Fortunately peppers are easy to do, just have to wear gloves.
Not much else to talk about, though I'm sure I'm missing all kinds of things.
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Emergency Living and Preperations,
Medical Issues and Spending,
When Life Happens,
Emergency Fund/Coin Jar
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September 13th, 2016 at 08:24 pm
I haven't really posted this month, just the interest update at the start. I tweaked my back while the chiropractor was on vacation and that put me down for a few days. I finally went and spent the money to get a deep tissue massage and it was the right choice because I was functional again that evening and out of pain other than a few twinges here and there the next day.
Then I came down with something, but it didn't act like anything normal. I felt run down, exhausted, a little achy, and had been running a fever over 100 for 10 days. That's it. No other symptoms. I did get a spider bite and it had a massive rash with it, so perhaps its related to that. But it made me too tired to do much in the way of writing, especially since I was canning, dehydrating, and preserving food.
On the other hand, there is a major bright note. You all know how I have struggled with walking since a year after my knee surgery. I was doing so well that first year of recovery, even hiking, and then everything went downhill and I had severe pain in my knee when walking and it would swell up with fluid randomly and for no apparent reason. No one could explain it and MRI's didn't show anything new. Long walks were out of the question and if I went grocery shopping I could only go to one place before the pain got so bad I'd have to go lie down the rest of the day.
When the chiropractor got back from vacation, I asked him to do traction on my neck with this loop thing he has. It basically fastens around the hairline tightly and has a strap with a handle on it and he gently pulls to get some of the tightness out of the neck. Well, we had a miscommunication and after a few traction pulls, he did this adjustment on me he had never done before where he basically tried to yank my spinal column out of my body (that's what it felt like).
It felt like every single vertabrae from my tailbone to the top of neck moved into alignment. After the shock wore off and I could get up, I immediately felt something different in my hips, left knee and left ankle, which had been getting very bad over the summer. It took me a few steps for it to sink in that I wasn't limping for the first time since 2010.
I wasn't sure what to think, but I knew it wouldn't last. But it has. I walked around Costco the next day without pain or exhaustion afterwards. Every day I kept waiting for the other shoe to drop. I kept thinking I should try going for a walk, but I was scared. I was without daily pain in those joints for the first time in 6 years. I didn't want to screw it up.
Well, to make a long story slightly longer, yesterday DH and I went out to Bellewood because the Tsaguru apples are ready. They are my favorite apple and have only a two week picking window. It's 30 cents a pound cheaper to pick them yourselves than to buy them already picked. I wanted 20 pounds, so we would save $6 by doing U-pick.
But all of the golf carts were out. They use golf carts to take you to the orchard if you don't want to walk. Well, frugalness won out and I decided I would try to walk it. They said if it was too much for me to walk back to call them and they'd page someone to get us. Of course the apples I wanted were at the farthest end of the orchard!
It was a fifteen minute walk to get there. We had to go past the corn maze and the massive pumpkin and sunflower field, and over a bridge that crossed a stream before we even saw the orchard. Then on to the far back corner. It did not take very long to pick, though we had to go several trees down the row because the near ones were picked clean. We filled our two ten pound bags in about 10 minutes and headed back.
I did start to feel it a little bit when we hit the bridge, but it was more being winded. I am used to doing water exercise and keeping my breathing even. This was a little harder. I did feel a bit of a strain from using muscles in ways I hadn't in a long time and I was really afraid I was going to pay for it today, but you know what? I'm not. My muscles and joints feel fine.
I walked for a total of 30 minutes. I walked. You have no idea what this means to me. I am going out for another walk today, just to make sure it is not a fluke. If I can start walking and not be in pain...I might truly have my old life back. I'm scared to believe its even a possibility, but...I have a little hope now. The skeptic in me says to be guarded as it may not last, but oh, I hope it does.
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Medical Issues and Spending
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August 27th, 2016 at 06:54 am
Well, we have decided what we are going to do about insurance. We are going to buy the Regence gold plan through Costco that starts October 1st. We are going to pay out of pocket anything for September and not do the COBRA, because it will be far cheaper.
We, however, can do the COBRA retroactively for September if something happens, like a major hospitalization, so a big emergency medical issue is covered. We have up to 60 days to do a retroactive COBRA.
Also we won't get fined by the government for missing a month of insurance. Apparently you get 3 months between losing your insurance and getting a new one before you'll get fined. I hate that part of the ACA. It's punitive and stupid and a money grab. Insurance should be available to anyone who needs it, but not enforced with what amounts to an unconstitutional tax. *sighs*
I added up everything we will be doing in September and it is far, far cheaper to do it this way. It is also a lot easier. We can sign up for our plan and just send them the paperwork when we finally get it. That is a big weight off our shoulders.
It's still pretty pricey, at $1543 for 4 people, but that beats the $2230.17 by a lot. And it's such better insurance $2000 family deductible. $8 generic prescriptions. $20 co-pay for doctors. Better dental. Better vision. I know we probably will be paying out of pocket for a while, but our money will still go a lot further this way.
DH's unemployment will just cover that and hopefully he will find a new job before the 6.5 months of unemployment runs out. I just wish he could get WA state unemployment and not be stuck with Alaska unemployment. WA state is almost double Alaska.
He's got a couple more leads and someone asked him to send his resume for a specific job so hopefully that leads somewhere. It would be a very good long-term job, contracted directly to parent company, not these sub contractors that come and go. So cross your fingers, and say prayers if you do that for us please.
Meanwhile DH has completed his entry essay for the BS, which I corrected about 5 times, but it was very good by the end. He's sent for his transcripts to be sent there, so the ball is rolling on that.
I am trying not to let things overwhelm me. It is easier with DH home. He has a calming influence on me.
We got DH's last paycheck today. Once this is gone we will have to start dipping into the Emergency Fund. I will try to make it last as long as possible.
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August 25th, 2016 at 06:28 am
Did you know you can get medical insurance through Costco? I mean, it's not Costco insurance, but they offer plans through major medical insurers that actually seem quite reasonable, or at least in comparison to our COBRA, and it is much easier to navigate than the ACA Exchanges.
We are looking at a plan through Regence. Unfortunately the soonest we can get on it is October 1st, which would mean going September with no insurance. Or paying COBRA for September. And I'm not sure if we can start the COBRA and then switch in October. Being laid off is an event that qualifies you to purchase medical at a non-enrollment time. Quitting a COBRA is not a qualifying event, though running out of COBRA is.
The open enrollment period is November 1st, but I don't know if that means it starts November 1st. I am just afraid we will have to pay COBRA for a couple of months before we can buy the less expensive but far better insurance. That will diminish our Emergency Fund fast.
DH is going to have to get some more questions answered. I just wish we could start on September 1st, but apparently to do that, you need to have enrolled on August 15th. Ugh. We haven't even gotten the paperwork we need to get either the COBRA or the insurance at a non-open enrollment time, either. September is going to be a frustrating month. I may have to reschedule an appointment of mine until October.
We have been pushing hard to get everything done that we can. We've all been to the dentist this month and my son goes in for an eye exam tomorrow to see if he needs new glasses. But we may wait to get them until we are on the Regence insurance because it looks like they cover kids' glasses 100%.
I am going to try to get an eye exam in as well at Lenscrafters. I won't buy glasses there, but I do see the doctor there, because you can get in fast. I won't be able to get glasses as I got them a year ago, but I want to see whether or not my prescription has changed. I'm having some issues with night vision while driving (so I've stopped driving at night as much as possible).
I had my labs done and so did my daughter so we are good on those for a year. We're going to get as many prescriptions renewed as possible before the end of the month. I've been working on getting a stash of high blood pressure and high cholesterol drugs, because they will let me renew those every three weeks, so I've got a two month supply and if I can get one more in this month then I shouldn't have to get those until the insurance situation is all sorted out.
This is complicated. I know we'll come through it and out the other side, but I wish it didn't have to be so hard, or so expensive.
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August 18th, 2016 at 03:13 am
I really wanted to title it COBRA BS, but no. I found out how much the COBRA is going to cost us. It's not as high as the $2500 we originally thought, but it is still $2230.17 a month. We're going to have to see if we can't find something cheaper.
All we really need is catostrophic coverage. It is cheaper to pay out of pocket for all our medical stuff than to pay that kind of money for insurance. We'd go without if I wasn't afraid something big might happen. Or that the government would steal our tax refund as punishment.
DH will start investigating when he gets home on Monday. Right after he goes down to apply for unemployment. There's got to be something else that isn't going to drain our resources like that. Unemployment won't even come close to covering the cost of that. Considering how much he has paid into Unemployment over the years, he really ought to be getting more than he will be, but that's not how it really works.
Mom said we can completely suspend our loan payments to her until DH finds a new job. So that will help. It's not something I like at all, but we've got to make our savings last as long as possible. Unless company b comes in with a last minute offer, we are operating on the idea of Sunday being DH's last day of work.
We are also looking at DH starting his BS in Electrical Engineering. There are times when 20 years of experience, a strong recommendation from parent company, and two AS's still don't count as much as a BS in the hiring process. Of course ultimately, BS with only a few years of experience washes out and then DH gets hired, because book learning is never the same as real life on the job experience, but some HR people only want what looks good on paper (book learning) and always have to learn the hard way. Especially with this one guy who keeps getting hired over DH over the years and yet in the end DH is the one who ends up with the job when this guy can't handle it.
With college we'd go through our savings even faster, but in the long run it will help us so much for him to have that that I think we have to do it. If he does full time it would be $10,800 a year. We are looking at half time, though, as hopefully he'll be working at something, so $5,400. He'd do it completely online. We think all or most of his credits should transfer and he'll be able to just start at 3rd year, but he'll have to have a transcript review done, which of course costs money, too.
I won't take out loans. I'm not going down that road. Both kids have said they would get jobs to contribute. Can you believe that? I don't want it to come to that, though. Especially with my daughter, who is fragile in both health and mental health and has her next year of college paid for.
I have been trying to think of things I can do, though it is hard with my disabilities. I can't work a job where I'd be on my feet all day like when I was a cook without severe pain and with me being out of the workforce for 20 years, I'm not sure any of my bookkeeping or office skills would be current. My jobs were summer farm work, babysitting, Visiting Nurse chore worker, cook, tutor (but in outdated things like Word Perfect and DOS and Peachtree and Ten-Key calculator and old Data Entry systems), and receptionist/bookkeeper. Most of that I can't do anymore because of my physical limitations. I am broken and obsolete.
So hopefully DH finds something. Something in the $5000 a month take home range with semi-decent medical insurance so we can keep paying Mom and I can keep up with the out of pocket physical therapy that keeps me walking and gardening and taking care of our mini-farm. We can survive on less, but without the PT life would be miserable for me. And without being able to pay Mom back, it wouldn't be roses, either.
If he can find that until he can find something better, we will be just fine. I keep hoping for a last minute miracle, but I really do not think we are going to get one.
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August 13th, 2016 at 10:19 am
I've been in a lot of pain this month, hence me not posting much, and it is making it really hard for me to function at full capacity. Right now both of my knees and ankles are swollen up. I have no idea why my ankles are getting in on the action. I am alternating heat and ice and taking hydrocodone and Valerian root at night. I should be taking painkillers during the day right now as well, but I've got too much to do and I also need to be able to drive.
My neck is still really bad and giving me these awful headaches. I've got one of those joys of being a woman, a yeast infection. And my back is aching over my kidneys so much that I think I might have a kidney infection, too. There are some other symptoms as well. Ugh. I don't have time to go back to the doctor next week. But I'll have to because kidney infections don't go away on their own.
Not all is bad though. I've gotten two and a half garden beds replanted and the soil is ready for one and a half more garden beds. I've put in more broccoli, kale, radishes, kohlrabi, lettuce, spinach, and Swiss chard. When I pull the onions this weekend I will add the soil and then replant with carrots and turnips and maybe some more kohlrabi and radishes. I'm not going to put in anymore cabbage.
I've got enough garlic now for the year. My own braid, and then one I got from the no spray garden when I placed my order for 50 pounds of Yukon golds that I'll be getting tomorrow. I'll be canning those this week. I'll also be canning the purple potatoes I grew after I harvest them tomorrow. And I will be making some blueberry pie filling to can out of last year's blueberries, since they cannot survive another year in the freezer, and anyway, we have 15 new gallons in there (total picked was 17 gallons).
A large number of plums should be ripe tomorrow or the next day so those will need to get picked and I'll need to can some and dehydrate some. I'll also need to pick some more basil and sage for dehydrating and gather the last of the bee balm petals to dry for tea. I also need to gather the echinacea, yarrow, hyssop, and calendula for tea and comfrey for salve making. And deal with all the bundles of dried herbs that have been on the wall for a few weeks already.
I need to dice some of the onions and cut into strips some of the onions that I have pulled and have gone through the drying time and freeze them for future use. I also need to mince some for dehydrating and making onion powder. I need to dice or strip up my current batch of sweet peppers as well for the freezer and mince and dry my first red cayenne pepper and then grind that into powder. I need to make more garlic powder as well. It is going to really be a busy weekend and coming week.
As soon as DH gets home, whenever that will be, I want to go through all the meat in the freezers and pull anything that is old and thaw it and can it. If we catch it before freezer burn sets in, it can last several more years that way. Or get eaten quickly, which is more likely.
Since I'll be canning all day tomorrow I need to remember to put a roast in one crockpot and potatoes in the other one and have the zucchini cut up and all ready to go into the oven before getting started, because I never want to cook after a day spent canning. Which tends to lead to takeout and we are trying not to do that until DH gets a new job. The only time we have was on DD's 20th birthday, so I think we are doing pretty good.
Weight loss is going well. Things with my mother-in-law are improving. FIL is undergoing chemotherapy now. He is also being treated for 2 blood clots in his leg. They put him on one of the newer blood thinners.
DH still hasn't heard an offer for the company b job. They've hired about 8 to 10 of the 100 or so people they need to hire and are going very slow about it. No one's been hired for his department yet, though. They are supposed to fully take over in 2 days. I'm not sure how they can without a full staff. It's going to be crazy days up there for a while.
If they do ever offer him a position, I've gone through the budget and we can handle a $500 a month paycut further, but it will mean we won't be able to save for the house. And we can handle a $1000 a month paycut if we only pay Mom $500 a month instead of $1000 a month. That last scenario I do not want. Right now we have just under 3 years to go on that loan and I don't want to extend it any longer.
I guess if we do, I'll have to get serious about writing my book series. I have it outlined and the characters are all developed and the town is, too. I've got a couple friends that self-publish on Amazon and do well and say I should, too. Of course they are basing that off my old fanfiction and not original fiction. But if I can make anything with it, it can go into the farm down payment fund. Or into paying Mom off faster and freeing up that amount of money for good.
Well, this has rambled on enough and the painkillers are starting to take effect, so I'll wrap it up now and hope it all makes sense and my brain didn't wander off towards the end. If it did, I'll fix it in the morning. The post, not my brain.
Posted in
Gardening Organically,
Medical Issues and Spending,
Sustainable Living,
Towards Healthier Living
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8 Comments »
July 23rd, 2016 at 02:03 am
I am very out of sorts right now. I haven't been sleeping well. Most nights this last week I've gotten about 4 to 5 hours and it is really spilling over into my attitude. I walk around all day like I'm in a fog and I'm snappish and cynical and I keep repeating myself or forgetting things. I know sleep deprivation is bad, but I don't think I've ever gone so long without some decent night's sleep. I can see how I am, but it's a bit like I'm outside myself, too. I keep telling everyone I'm sorry preemptively.
Otherwise things are going well. My weight is going down again, though how, with such bad sleep, I do not know. Water Zumba continues to be so much fun. I finally dragged my daughter there Wednesday and she loved it. My husband already comes when he is home.
I think part of my problem is that my neck and my legs are so tight right now it affects how I sleep and how I walk and the woman who usually works on me when it gets like that has been cancelling appointments on me left and right, but waiting until the last minute to do it and then I can't get in to see anyone else. Like today, I had a 2:00 appointment and she cancelled at noon. She's really good, but she's turned into a real flake, and I think I'm going to have to start seeing someone else because this has become a habit and it is wrecking my body.
On the bright side the garden is producing like gangbusters. My dehydrator is going daily now as I dry my culinary herbs, medicinal herbs, and herbal teas for the next year. Plus I've also got bundles of herbs hanging on the walls to dry as well. I have bought very little produce this summer. This week for example I bought celery and nectarines because I am not growing them, but no other produce. Well, I am growing celery, but it is on year 2 which is to collect seed and it is in the flowering stage so not edible.
My peppers are starting to produce now. I am getting zucchini or crookneck squash daily and cucumbers daily. I haven't bought lettuce since April. I made a huge batch of coleslaw today from my purple cabbage and some carrot thinnings. I'm picking berries almost daily, usually blueberries, but sometimes strawberries and raspberries. I've harvested 6 gallons of blueberries in the past two weeks.
I've got 9 packages of snow peas in the freezer and I might plant another sowing of them in August. I haven't decided yet. My tomatoes finally have little green tomatoes on them. The onions are getting big. I've planted a third sowing of kohlrabi and a 2nd sowing of broccoli, a 2nd sowing of lettuce and more radishes.
On the livestock front, the turkeys are doing well. Gina's feathers are almost grown completely back in after the hawk attack in February although she still hasn't started laying eggs again. Her limp has been gone for about 6 weeks now.
All of the ducks are doing pretty well, although there is one that keeps laying her egg either without a shell so it just comes out contained in the membrane or with a very thin, easy to break shell. I don't know why. Duck egg shells are usually hard to break, you really have to whack them normally. She has the same access to oyster shell as the other ducks. It's the blue Swedish duck and I don't know how old she is since she was given to me by someone who had lost most of her flock to predators. It might just be her age.
Two of the really old chickens have died in the last month, one silver-laced wing wyandotte and one auracauna. I was sad to see them go as they were real sweethearts, but they were no longer laying so were basically freeloaders, too. That only leaves one auracauna, one black australorp, and one white leghorn from the old guard and they will probably all die of old age in the next year. Of those 3 the black australorp still lays once a week and the leghorn lays 2 to 3 times a week. We will still have the 3 barnevelders, the 3 younger leghorns, and the 7 even younger red stars after that. The barnies are mine. All the rest of the chickens are my mom's.
The rabbits are doing well. The ones that had mites are finally mite free after getting the injected form of Ivomec. I will never use the paste or the pour on again. Direct under the skin injection into the scruff is the way to go. It works, the don't fuss, and it ends it quickly. They get 3 shots, each 10 days apart and that's the end of it.
I had to learn how to draw a shot into the syringe, how to tap out air bubbles, and shoot out a little medicine to be sure. Not a difficult thing, actually, at all. Neither is giving the injection. It is a good skill to know.
We are using a Simply Lemonade container for our sharps (used capped syringes) as it is extra thick plastic. Once we're done with the course of medication I'll have to find out where to take it for disposal as you can't put it in the trash. Possibly the hospital has a medical waste depository.
Still no new news on DH's job front or job search. I am trying not to think about it as in my sleep deprived state I will just go into anxiety mode and no one needs that.
Posted in
Gardening Organically,
Medical Issues and Spending,
Ee ii ee ii oo
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5 Comments »
July 9th, 2016 at 11:22 pm
Okay, so here's where things stand now. DH is coming home on Thursday and he has been asked to come back for one more week for sure and that might actually stretch into two more weeks, but nobody knows. At least it means our insurance is paid for August, so no COBRA. Nobody officially knows anything, but then the contract with company #1 is officially taken over by company #2.
Company #2 is not going to hire anyone before the middle of this month which is the day after DH comes home this time. So he may or may not hear anything from them while he is home. Best case scenario here is he gets a job offer from them while he is home and starts working for them in August and insurance starts in September and no COBRA.
Medium case scenario is he gets it when he goes back up on the 26th, he starts work in September and we have one month of COBRA to pay. Worst case scenario is he doesn't get hired by company #2 at all and COBRA wipes us out (it's $2500 a month). Which would be odd since they used his name in their bid paperwork, but stranger things have happened.
I do hope he hears from the refinery job one county over for an interview when he comes home. They are supposed to be interviewing the second half of July. He will call the job placement guy when he gets home and see if there is any news on that front or on any fronts as well. This is still the job we would all prefer.
It would be good if he can get in for an interview while he is home. I'd hate for him to miss out because he's back up in Alaska. I don't know if he can do a Skype interview from his current job. They are pretty good about stuff like that right now since they have to lay off everyone, but...
I read a big article yesterday about how oilfield jobs are booming and how they desperately need skilled oilfield workers right now and how they are going to have to pay a premium for them since so many people left the industry when there was a down turn for more stable jobs so supply will be low. And I am like...they are still laying people off and this was after a 9 to 15 percent paycut across his oilfield in April. Where is this magic high wage, high demand hiring happening? Because all the people who are out of work or about to be certainly are not seeing it.
All I can say is if DH does get a new job, he's starting the next step in his education immediately, even if we have to postpone house buying a little longer. One more degree will make us that much more secure in the future and being able to do it online means he can do it anywhere we end up. I mean he has all the commensurate experience that the next degree would give him, but some people still want that additional piece of paper even if it means no real experience to back it and then they wonder why those people never last.
Anyway, trying to stay positive. I think we will have to investigate some other insurances and see if there is one we can buy that would be cheaper than $2500 a month for a COBRA for the four of us. Ideally something as cheap as possible that would cover a disaster and we just pay out of pocket because of a high deductible would be better than $2500 a month. We might payout $1000 to $1500 a month max that way, which would make the money stretch a lot further.
DH has made enough money in a half a year we would not qualify for any insurance subsidies, so whatever we get, we'd have to get on our own.
I just really, really hope he gets something fast and all of this is moot and we don't have to deal with it at all.
Posted in
Medical Issues and Spending,
Work
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5 Comments »
June 17th, 2016 at 06:54 am
So it has finally been announced that company 2 has gotten the contract at Big Company and they were signing the paperwork today. Company 2 is the one that supposedly said they would hire DH, and used his name for his position in their bid paperwork. So I guess this is a smidgeon of progress. No offer yet for DH, but that could be weeks away.
A more optimistic me would find this promising, but I am not a more optimistic me. I am a completely and totally cynical me. As in I'll believe it when I see it, but not before.
I'd still rather he work one county over, but at this point, any job is better than no job. I am dreading having to pay for COBRA. It is going to be so freaking expensive. Dreading having to meet a yearly deductible all over again if he does get a new job and new insurance, too. However COBRA and living expenses will wipe out our EF in 4 to 5 months, so new job and new insurance and new deductible is the better option. But ugh.
Posted in
Medical Issues and Spending,
Work
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3 Comments »
June 15th, 2016 at 07:06 am
My chiropractor tried to say our monthly plan was due today. We pay in advance for the month. He's usually pretty on the ball with things, but I was absolutely sure he was wrong this time. I checked my spreadsheet and it said I'd just paid on the 23rd of May. I double checked when the check had cleared, which was the 24th of May. Then I found the receipt, which was still in my purse, that also said 23rd of May.
So shown the receipt he decided he must have written it down wrong on my chart. He did take 10 days off in early May or the May payment would have been due on the 14th. I think he just didn't change it then and it carried over with the wrong date on it. We don't pay for the time he isn't there it gets adjusted.
I am glad that I didn't just take it on faith, but double checked everything, or we would have been shorted several treatments. This is why it is so important to record dates of payment, check numbers, and amounts. It's sometimes the only way to verify who is right and who is wrong. Plus keeping receipts of all medical payments (which I need for the HSA, anyway).
I trust him enough to think he wasn't trying to pull a fast one and it was simply a recording error, but I am still glad I keep such thorough records.
Posted in
Medical Issues and Spending
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4 Comments »
June 2nd, 2016 at 12:25 am
I went to the bariatric doctor yesterday and she's starting me off on Phentermine as an appetite suppressant during the day. I go back in a week and then she will likely put me on Topamax to control night time food binges. Hopefully this will get me past my stuck point and help control some of the issues. The Phetermine is not that expensive. Don't know what the cost of the Topamax will be.
This is a twelve week program and I will meet with the doctor several times and a counselor as well at least 3 times.
Even though my food goes up and down, my exercise is being consistent with the 3 to 4 days a week at water Zumba or water aerobics, plus swimming laps. Today was a good exercise day. I did the one hour water Zumba class and then sat in the hot tub for 10 minutes and then swam laps for 40 minutes. I did 22 laps in that time. I also walked 5 additional laps, 2 forward, 2 backward, and 1 sideways. Then I did stretching.
It felt good. Normally I don't do laps on Zumba days, but the pool was empty by the time I got out of the hot tub and I love it when the pool is empty. And now that I'm exercising more consistently and have built my stamina up, it's not quite the issue to work out for two hours at a time that it was the first week.
I have to weigh in today for my dietbet. I am at goal for this month and have been since the end of the third month. It just hasn't really moved since and this is the end of month 5 and I still have so much weight to lose that stalling out for 2 months is bad. Stalling out leads to night time binges for me, unfortunately.
I know a lot of it is stress from not knowing what is going on with DH's job. He's got work through the end of June and then we just don't know because the contract has STILL not been awarded. Financial insecurity leads to stress eating. I can cope during the day, but it is the nights I can't seem to deal with. Ugh. But the meds should help.
Posted in
Medical Issues and Spending,
Weight Loss and Exercise
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1 Comments »
May 16th, 2016 at 06:50 am
Gracious, but I was sore today, but in such a good way. I will be starting back up with the water aerobics tomorrow. It'll be nice. I slept like a log last night, my body was so tired from swimming for an hour. And I think my new pillow helped a lot. It was expensive, but it works much better with my c-pap machine, and my neck felt so much better this morning.
I am hoping I will sleep that hard again tonight as I could really use the sleep. I feel like I am on the edge of a cold, but it could just be the weather swinging from 75 degree days to 60 degree days. Or it could be the pollen. Or a combination of both. I am fighting hard not to get sick just when I am getting on a roll with exercising again.
My diet has been good for 3 days straight and I am hoping to keep it clean like this now. May 31st can't come soon enough. I will be glad to see the bariatric doctor and see if there isn't something more that can be done to help me (short of surgery, I don't want to do that) get the rest of this weight off.
Today was a no spend day, but I will have a prescription to fill on the 17th, and I have to pick up straw for the duck and turkey coops tomorrow. Otherwise I won't be spending anything else until payday. I've got a big dental bill to pay for my son's fillings. Not huge, but somewhere around $200 to $300. It was closer to $600 before insurance. I am going to have to stay on him about brushing his teeth better. I shouldn't have to with him being 16, but I do. Maybe if I tell him he's going to have to start paying a percentage of his dental bills out of his allowance he'll get the picture.
DH still needs to get crown work done and not sure when we'll be able to do that as it will be around $1000 out of our pocket. Guess where DS gets his bad toothbrushing habits from?
I know it is possible to correct lazy brushing and flossing habits as I've done it myself. But the males in my life haven't managed to get it together in that regard. My DD is fastidious about it, but she had braces for 3 years and had to be a fanatic about it, and those good habits have remained.
I have to call the ENT tomorrow. I keep forgetting, but DS has been having bloody drainage since his surgery and just remembered to tell me last week. It's been weeks since his surgery so this really should not still be going on. I'm sure fixing the problem won't come cheap. We'll see.
Well, I better hit the hay.
Posted in
Just Rambling,
Medical Issues and Spending
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1 Comments »
April 14th, 2016 at 08:08 pm
I've plotted out the money for the rest of this month and it does look like I will be able to put $1500 into the EF from the overtime work, assuming nothing changes. That won't be tomorrow's payday, but the next. A large chunk of tomorrow's payday will go towards paying the credit card. I had to put an unexpected doctor's bill on there so it is higher than usual. A portion of next week's pay will finish paying it off for the month.
I got a second unexpected doctor's bill for my toe surgery. I know the deductible was met, so I'm not sure why it was so high. I mean, it wasn't more complicated than getting a cavity filled. I was out of there within the hour. But my portion is still $355? Maybe the insurance denied part of it or something. I'll investigate a little further. They are supposed to pay 90% after the deductible has been met. I don't think the overall total was anywhere near $3500. He's supposed to be in network. I don't know.
I am tired of medical bills. I've shelled out $2000 just this month and that is without any physical therapy, since my PT has influenza and I have not seen her this month at all. It should get better from here, though, since nothing else big should be coming in for a while. DD did see the doctor at the start of the month, but just for a regular visit so our portion should be quite low.
Although DS is getting a cavity filled next week that won't be charged until some time in May.
I don't know how people with low incomes and high deductibles do it. We struggle to get the medical bills paid and we have a good income. Without the overtime work, though, we'd be having a tough time this month. Without the OT we'd be saving nothing and might even have had to make a choice to dip into the Emergency Fund or carry a balance this month on the credit card. How are people who have no EF and no room on their credit card going to make it in the same circumstance. Oh, wait, I know this one. Not go to the doctor at all.
Posted in
Off on a Tangent,
Medical Issues and Spending,
Is Budget a Four Letter Word?
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2 Comments »
April 9th, 2016 at 06:58 pm
I really need to start doing the payday reports again. It keeps me super focused and on top of my spending, which I really need to be. We have had a lot of medical expenses already this month. Some of it we will get reimbursed for when everything is straightened out with our insurance company, but that could still take a month or two to shake out.
$400.00 Utilities
$150.00 Emergency Fund
$_80.82 Internet
$_47.86 Life Insurance DH
$_45.30 Life Insurance Me
$150.00 Laptop
$227.00 Storage (went up again, ouch)
$250.00 Chiropractic Monthly Family Plan
$140.52 Sleep Doctor
$_86.01 ENT Doctor
$369.00 Dentist (getting a partial reimbursement)
$_50.00 Allowances
$100.00 Garden/Household
-------------------------
$2096.51 Total
I have $167 and some change left in the checking account. $90 of that is allocated to physical therapy, but she's cancelled on my 2 weeks running, so that money may get dumped into the EF if I don't hear from her by next Friday.
DH and I are going to start going through our big storage unit when he comes home next time and seeing what we can get rid of/sell/donate. We really need to get down to having just one storage unit. The second one is $120 and it doesn't have too much in it, but the first one is jam packed. If we can free up about 8 square feet we can get everything into one unit and clear up the additional expense.
I know some of it is just stuff we didn't want to deal with when we moved, like boxes of papers, bags of outgrown clothes, little kid toys, and multiple outdated electronics. I know there are at least 3 VCR's and while keeping one to play all the old VHS tapes is fine, we certainly don't need 3. We used to have one for our bedroom, one for the living room, and one for the kid's playroom.
We could probably even sell one bundled with a bunch of old Blue's Clues, Dora the Explorer, Bear in the Big Blue House, and kiddie movie VHS tapes at a garage sale. I mean who really buys VHS tapes anymore, not many folks still have VCR's, but might with a big enough stash of tapes and a player with a working remote. Obviously not for a huge amount of money, but maybe $10 to $15.
And I know we have all the fairy Barbies and their forest, too. Which could go for another small lump sum. Complete Fisher Price Little people set-ups, both original and modern are kicking around. And a huge toddler train layout from Little Lionel, which would go for a bit more. Just a lot of stuff like that. Not that we'd make a fortune or anything at all, but we might be able to get a decent garage sale together for June.
I know that when the time comes to move, I don't want to be hauling a ton of useless stuff to our new home. And I certainly don't want to deal with boxes of old junk mail and statements then, either. Our car has an outlet in it, so we can even shred things right there, pack them into paper sacks, and take them to be recycled, without ever bringing them home.
It'll take a lot of work, but he is going to have 3 weeks off in a row and this is probably the best time to do it, before gardening season gets into full swing.
Posted in
Cutting Expenses,
Spending Journal,
Paying the Bills,
Organize My Life,
Medical Issues and Spending,
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5 Comments »
February 26th, 2016 at 02:37 pm
My son made it safely through his sinus surgery yesterday morning and has been miserable ever since. His sister volunteered to stay up with him all night to keep him company and keep his pain pills going into him at the proper time, since I didn't really sleep the night before. The packing comes out this morning at 9:30 and then he should be able to come home and get some sleep. And breathe.
We had to pay $1300 up front before the surgery which I did last week. I am not sure where we will be with medical bills afterwards. I know that he is pretty close to meeting his personal deductible now if he hasn't already. Personal deductible is $3000. At least the PD also counts towards the family deductible.
I wish medical care wasn't so ridiculous in this country. It didn't used to be.
Posted in
Spending Journal,
Medical Issues and Spending
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8 Comments »
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