Medical Insurance

March 11, 2011

I didn’t sleep well last night.  I woke up before dawn, so angry I couldn’t go back to sleep.  I had dreamed I was at the doctor’s office with my son.  He was sick and the doctor was admitting him to the hospital.  Instead of asking  “What’s wrong with my son?” or “Is he going to be alright?” I asked the doctor “How much will this cost?”  What a sad, demented state of affairs.

I spent the morning researching supplemental health insurance policies.  I knew they existed for Medicare recipients, but didn’t realize they were available to the general public.  I’m going to be investigating and comparing a few policies in the next few weeks and will decide whether to go that route. 

During my research, I also found out that as of 2010, small businesses were allowed to claim a 35% tax credit for insurance premiums paid on behalf of employees.  So Obama’s plan gives small businesses a tax credit, but didn’t tell them they had to provide a decent plan.  In other words, the little guy got screwed again.  Thanks a lot for nothing!

Today we get the weekly part-time earnings, but the house payment will be deducted, too, so most of the deposit will be gone as soon as it arrives.  Back to the spending fast.

Carried balance:  $935.25
            Income:      163.94
            Balance: $1099.19
            
         Expenses: $1087.25 mortgage
                                   7.28  personal care
                  Balance: $4.66

The personal care listed above was a hair highlighting kit, so I could do my hair in case I get a job interview.  My highlights are growing out and looking pretty ratty.  Years ago, I would pay $60 to have this done professionally, but don’t feel we can afford that luxury today. 

Mr. Struggle has made sacrifices, too, by doing more car maintenance himself, such as learning how to change the oil. 

What have you given up in the name of economy?

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Struggle Family Members

  • Mrs. Struggle: early-50’s, mother of three, college graduate, freelancer
  • Mr. Struggle: mid-50’s, father of three, college graduate, looking for full-time work
  • Miss S1: working out-of-state and applying to more grad schools
  • Miss S2: under-employed college graduate and boomerang child
  • Struggle, Jr. : university sophomore
  • Princess Struggle: mixed-breed, middle-class mutt