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Archive for September, 2011

ER visit

September 29th, 2011 at 08:13 pm

Lucky us, we got to visit the ER today. My poor husband woke me up at 5am because he was in pain and couldnít take it anymore. Heís the kind of guy that never needs to go to the doctor, and will never want to unless itís bad. The on call doc said to go in and not wait.

I was really impressed with the ER service, and we got in right away (which totally dispelled my wait forever belief). After an IV, blood tests, urine test, shot of pain meds, and a CT scan, we found out he has a kidney stone. Poor fellow.

Now that Iíve had a nap and time to process what happened (Iím not a morning person), Iím starting to think about what this is going to cost me. We have a high deductible plan ($5400), and I only have $3000 in my EF. Iíve read that an ER visit for a kidney stone can cost from $500 to $10,000. Anyone have a better estimate for me so I donít go into sticker shock when I finally get the bills?

Oh, and is September over yet?

EoM Blahs

September 28th, 2011 at 11:57 pm

The second half of the month wasnít any better. One failed goal. I didnít increase income. One succeeded goal. I didnít go over our strict budget

I donít have any good to say about anyone or anything right now, so I think Iíll just keep this short.

My October goals:
1) Send handwritten cards to five people
2) Connect in person with a friend and do something fun

Dark Mood

September 17th, 2011 at 12:52 am

Iím in a bad, icky, dark moodÖ

Iíve tried to increase our income twice so far this month, and both failed miserably.

Itís the last weekend of my husbandís remaining part time job. I think he thinks he wonít be able to handle another part time job with his ďheavyĒ schooling. Not sure how far I can push the issue without causing a huge fight/lasting resentment since we can and are living on what I do bring home. Thereís just not enough to save, pay for unexpected expenses, or pay for his schooling if we donít get financial aid.

I shocked my husband when I proved to him that when he graduates, weíll have $60,000 in student loans to cover only tuition, fees, and books. $12,000 from the past, plus $9,000 this year, and about $13,000 each the next three. I sure as hell hope he graduates early and is able to work part time through school. Funny thing is, weíve talked about the number before and itís just now clicking in his mind.

Then I realized, while proving the numbers to him, that since we got married 3.5 years ago, we paid down $21,000 in credit card debts (from moving cross country twice), bank of moms loans (wedding lending), and student loans. (Well and added two car loans, but I donít really count those since I can sell both easily for more than I owe. Net-wise, theyíre positive). Which, now that I think about it, wasnít too bad for progress. But now weíll have it back up to that insane number in no time.

Plus, that number makes me wonder if I shouldnít have paid down debts and instead I should have saved for a down payment on a house. Which is a whole stupid thought cycle in itself. I wouldnít have been able to pay house payment and all those minimum balances. But, gah, I want my own place!

And then my relationships with friends/family arenít going too well. But thatís a whole book in itself.

So yeah, dark mood. Chocolate isnít working. Catching up on sleep might. Hopefully Iíll wake up tomorrow feeling less moody.

Needy Pennies, Needy Me

September 4th, 2011 at 03:49 am

I really hate how every penny now has a need. I loved having ďleftoverĒ money each month to put towards savings, debt repayment, or random expenses that came up. Now, even the auto-savings has a need. Every six months, the exact amount we put in will come out to pay for the car insurances.

I was just thinking that by time my husbandís schooling is over, weíll have lived with my parents for 7ish years. Never in a million years did I think this would happen. How depressing.

So yeah, Iím not sure if Iím going to survive the next 4 years of scrimping by and additional debt. I really hope this proves to be worth it.

Septemberís goals:
[ ] Stick to tight budget
[ ] Increase income