DB Marketing and Finance
Written by on 09/05/2016
went through our first small debts ($50 here and there for doc office bills and hospital bills) and were ready to moving farther on our snowball (which includes my car payment, two large student loans, etc.)
Then Michael kicked us in the butt and just keeps kicking us. 🙁
After hospitalization for my husband (and anxiety over his health), we started eating into the EF. Then the good news of finding the source of my anemia the past six months was followed with the bad news of finding out I need surgery in a few weeks, chip chip away at the EF and my planned snowballs with co-pays! Then we got news that my grandfather was in the hospital and not doing well, and we thought it might be the end. We dropped everything and traveled. He’s doing a bit better, and we’re thrilled with that and don’t regret our trip…but that pretty much got rid of the rest of the EF and snowball money. We’re now just limping along until the next pay-day, when last week, our dryer died, a toilet started leaking, and I lost a filling.
Ok, I’m done whining. 🙂 We can handle waiting on purchasing the dryer part (or dryer, I’m afraid to even check out what is wrong!), and I’m hoping to fix the toilet without much out of pocket — but I’m trying to prepare for tomorrow’s emergency dental visit. We have insurance, but we all know that rarely means much. Our EF is gone, and we’re no where near being able to cover what we’ll likely need to pay. I have $40 left in my flexible spending account, but that’s it! I’m gulping at the thought of borrowing money from family (BAD!) Dentist will not accept payments (refers people to Care Credit (EVIL!) and I don’t think you can negotiate price when you have insurance, right?
We thankfully both have small bonuses coming at the end of September (DH for $400 and me, I’m not sure how much) that can help soften the blow.
But seriously, what do you do when Michael takes it all in one month? We haven’t run into this in a LONG time!
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