Sunday, August 30, 2009

It Just Doesn't Make Sense

I think I posted a few months ago about my budget being messed up. I did not have enough money to cover something and had no idea where the money went. It was just gone. I didn't spend it, not that I had recorded anyway. Well, I think I found it. But, again, it makes no sense. This month I have an extra $200 in my account. It makes NO sense. I have zeroed out my budget twice now. Well, this month I took that money and put it in savings. I am going to just hold on to it until the end of this month to see if something comes out of my account that I have forgotten about or something.

I really do a good job of tracking my spending, so this is all just really strange. The thing is the last time I said I thought it had something to do with daycare and the actual amount is exactly one week's worth of a daycare payment. So, either next week, two payments will come out at once or I just overbudgeted the month when I thought I was missing a payment. Who knows.... what I do know is right now I have exactly what I am supposed to have in my account. So if anything strange happens this month I will know for certain that aliens are taking or depositing money in my account. Yeah, I said aliens. :)

Anyway, in other news, I have stopped the snowball while replacing the money that went to clean our vents out and prescription meds. We still owe $306 to that account. So, we are not too far off. I think we should have the cash by the end of this month. I also just realized we will get our "extra" check in October. I always use that check to put an extra payment into that account as well as some of our others.

However, I have to call my insurance company tomorrow. I got a letter this weekend saying that one full day that I was in the hospital along with the day I was discharged was deemed "not medically necessary" because they did not turn in any physician logs or treatment sheets for those days. I don't know if it is just a matter of the hospital submitting extra paperwork or what, but obviously it was medically necessary or I wouldn't have been there!!! The hospital I use is actually really good about this kind of thing though. They will cut 60% of your bill if the insurance does not pay it. Of course they charged me $125 for a $10 pack of diapers once so, uh, yeah, I guess 60% isn't that great a deal after all, ha ha!

I am so glad to have had an emergency fund though. I was going to say I don't know what we would have done, but yeah I do. We would have been putting all of this on a credit card. I am SO glad we didn't have to do that!!

Saturday, August 15, 2009

Disaster Strikes Again!

Can I just say I am SO glad I bumped up my emergency fund? I added an extra thousand to it from our tax refund this year and thank God I did, because I am about to have to tap into it.

I haven't been around this month because I have been SICK! It started out as bronchitis and turned into ASTHMA! I didn't know you could just "get" asthma. I thought it was something you were born with. I also never realized how serious it could be. I thought it just made you short of breath. I didn't know it could land you in the hospital for a week. That is where I just got back from.

So, over the last 3 weeks I have spent at least $300 on medications. We paid $500 to have our ventilation system cleaned out (the worst vent that was full of mold was directly over my head in bed each night). And, I have no idea how much 6 nights in the hospital with two doctors, the respiratory department, an xray, cat scan, blood gas, respiratory test, and meds for all that will cost. But, you know me! I have a plan!

I have used all of our grocery money for the meds and other things so we are going to have to pull money now to eat. I am going to take only what I absolutely have to take out. After this month is done, I will start putting the money back into our emergency fund using the debt snowball money. Once that is paid back up I am going to go back to the debt snowball. Hopefully by the time I get the bills from the hospital and doctors I will have my car paid off. This way I can pay the hospital bills from the emergency fund and start the process again. But, if the car is paid off this will not take as long (hopefully about 2 months) before things are back to normal.

This is the first time it has not upset me to tap into our extra money. I feel good about it because I have a plan, and the best part is the money was there when we needed it! I think this is the first big crisis we have been through where I didn't have to worry about money! If you haven't started an emergency fund yet DO IT NOW!!! You never know what is going to happen. If anyone had told me I would get asthma as an adult I would have called them crazy.

** As far as how I am doing, I am still having trouble but at least am out of the hospital and able to go back to work on Monday. I am doing EVERYTHING I have been told to get better and then some because if I lose anymore time from work now I will be docked as I am out of days.