Showing posts with label medical bills. Show all posts
Showing posts with label medical bills. Show all posts

Middle-Class Struggle: Raining and Pouring

Tuesday,  August 9, 2011

Mr. Struggle is at a job interview as I write this.  Actually, he is speaking with the human resources manager at the company where he already works his part-time job, so hopefully they are looking at him as a candidate for a full-time job.  He has applied online to several openings there over the years, only to be ignored.  This time, about three weeks ago, he took his résumé in and dropped it off at the front desk, asking the receptionist to pass it on to human resources.  They called just yesterday to schedule the interview, not mentioning a specific job, just his “future with the company.”  We have been told they’re hiring, and so are hoping for good news. 

We had more good news already today: unemployment was finally approved and a deposit was made into our bank account, covering the previous weeks.  It has been seven weeks since Mr. Struggle first filed.  We were told his former employer never completed the required paperwork, which caused the delay.   

Miss Struggle2 is out-of-town this week with friends, but when we last talked she had not heard back from her job interview for the half-time teaching position she wanted.  I encouraged her to place a follow-up call, but don’t know whether she has.  She is now debating the idea of taking a daycare position where some friends are working (which would have benefits) vs. substitute teaching  at nearby public  schools in hopes of being offered a permanent position when something opens.  I am leaning toward the second choice, with the idea that at least she will be making contacts at the schools where she wants to work. Besides the obvious networking benefits,  I think that would look better on her résumé than the daycare job.

Struggle, Jr. is counseling at camp again this week. They seem to like him and asked him back for a second stint when they realized they were short one counselor for the boys enrolled this session.  We drove him there on Saturday, figuring the gasoline to get there and back would cost no more than the food he would have consumed were he here at home.  It was a nice day-trip and we needed a break from the stress.  Besides, one of the jobs Mr. S has applied for is related, and so we were able to use the trip to do some scouting and networking.

We have not heard anything from the university.  Mr. Struggle placed a call yesterday and once again, was handed off to an answering machine in the financial aid department.  In the meantime,  the state has granted a last-minute tuition increase and the bill for the fall semester has gone up by another $300.  (They did this last year, too---don’t  you love it!)  Struggle Jr.  is supposed to be moving into the dorm early next week, so we are getting down to the wire.

Last week, I paid bills but didn’t post the numbers because it was too nerve-wracking to face it.  This week, I am calmer.  Not only have we received the unemployment today, but yesterday we received a generous check from some close relatives who volunteered to help.  So here is the update:

Carry-over balance: $1866.64

Deposits: $169. 53 part-time job
                     21.76 residual income (online writing projects)
                           .04 interest on checking
                    500.00 gift
                  1868.00 unemployment back-pay

Bills paid:  $1087.25 mortgage
                      233.00 power bill
                       25.00 Visa     
                      67.73 phone/internet
                     174.00 car payment

Other expenses:
$116.87 food
     84.42 gasoline
     13.00 haircut
      20.99 back-to-school supplies
        8.81 job interview clothing (thrift store)
       10.98 birthday present for Struggle, Jr.

Current balance: $2576.22

Now that we have some income, we will have to sit down and decide what to do with it, especially what to do with that outstanding medical bill.  Mr. Struggle called about it again today, and was told that it would need to be paid within six months to keep it out of collections.  While we would love to pay it all off entirely, we don’t dare until we see how much the university wants for fall semester.

Middle-Class Struggle: Job Interviewing

Thursday, August 4, 2011

Things are looking a bit rosier this week!

Miss Struggle2 had a job interview yesterday.  Although it is for a part-time position with no benefits, it is a professional position in her field and could serve as an entry to a full-time job later.  She is supposed to hear back tomorrow as to whether she got the job.

Mr. Struggle had a face-to-face interview just today, as a follow-up to the telephone interview he had last week.  He thinks it went very well, but he was the first of ten candidates to be interviewed for the position.  He was not told where the position was, only that he would need to be mobile to advance with this company.
We don't like the idea of selling the house in this down economy, but this a unique, well-run company that seems to have lots of growth opportunities.   The best news is that it will be three weeks before he will hear back, which will give plenty of time for other things to develop.  The position he really wants is still open for applicants and won't start interviewing for another two weeks.

Even Struggle, Jr. seems to have a job lined up----although he didn't realize it!  He has been invited to attend a workshop for his university newspaper staff, and didn't realize until today that it would be a paid position.  At least, that's the way I read the email.  We'll see.

As for me, still no calls on my applications, but I am pet-sitting this week and so bringing in pocket-money.  I have also been asked to do some social media marketing for a local employment consultant whose classes we have been attending.  It is volunteer work, but will look very good on my resume and give me some local name recognition as well as some much- needed confidence in my abilities.  It is hard to psych yourself up for a job-hunt after being at home with children so long.  I think my computer skills are up-to-date until I compare them to those of my children.  Ha!

We got a huge, very late doctor's bill in the mail last week.  This bill is actually over eight months late.  It must have gotten lost in the shuffle somehow, but it is legit and we have been expecting it for a long time, having seen the EOB's.  Mr. Struggle went in when we received the bill to explain that he was unemployed and couldn't pay it right now.  He was given a number to call to ask for financial assistance from this multi-billion dollar, regional medical non-profit corporation.  When he placed the phone call, he was told that their financial assistance was only for people without insurance.  It doesn't matter that we don't have any income to pay the bill, having had insurance --even insurance that wouldn't cover this bill---disqualifies us from receiving help.  Everyone tells me that you can pay as little as ten dollars at a time, so I guess that's what we'll be doing.

Herbal Cures

Monday, April 11, 2011

Of course, the very first thing I did after the paycheck was deposited was to transfer the borrowed $25 into our oldest daughter’s checking account. 

We had two kids home for the weekend, and so bought a few extra groceries.  We also replaced some herbal supplements (fish oil and red yeast rice) that  Mr. Struggle has been taking to help lower his cholesterol, in the hopes that he can avoid going on medication at his checkup later this month.  Even though he is not overweight and eats fairly carefully, Mr. Struggle’s cholesterol count has crept up over the years.  I’m not sure that the herbal supplements save us any money since we have a reasonable co-pay for generic medications on our insurance plan, but we’ve heard the cholesterol-lowering drugs can have a lot of negative side effects.

Mr. Struggle and I celebrate our wedding anniversary this week, but we have decided on smaller presents and elected to skip the obligatory dinner out, in order to save money for our upcoming trip next month.     

The gasoline prices continue to rise.  I only bought half a tank,  waiting for the full-time paycheck to come later this week and hoping that prices go down in the meantime.
  
Here’s the breakdown:

Carryover:   $0.68
Deposit:       25.00 Miss S1’s refund check
                   169.53 part-time paycheck
                         .02  interest earned      
Total:        $195.23

Expenses: $25.00 repayment to Miss S1 for refund check
                     34.01 gasoline (includes lawnmower gas)
                     24.75 herbal supplements
                     29.11 anniversary gifts                            
                     39.21 groceries
                     20.00 cash (pocket money)
Total:       $172.08       

Current balance: $23.15

Have you or anyone you know had good results using herbal supplements to lower cholesterol?  How about side effects from the traditional medications?  I’d love to hear your comments!

Emergency Savings

February 16, 2011

Payday!


Full-time paycheck: $1883.12 (biweekly)

Expenditures: $200.00 home equity line payment
                       $275.00 church donation
                          44.98 newspaper (13 wks.)
                          11.42 cable

We also spent $44 at the auto supply store for motor oil and about $10 at the dollar store for vitamins, toothpaste and such. That left over $1200.00 (see what I mean about feast or famine?) but I know the homeowner’s insurance bill is due and can’t pay it because it hasn’t arrived yet.  I decided to replenish the emergency account instead of pay Visa, so I transferred $1000 into savings, leaving $250 in checking to cover the homeowner’s at $126, a $75 bill for having the roof gutters cleaned, and a small present for a relative’s new baby.

It feels really good to have that small bit in savings. (Last year's savings was totally wiped out by medical bills, due to our deductible being raised to $3000.)  I'd love to get Visa paid that much sooner, but a small savings account balance buys a lot of peace of mind.  Like a little security blanket.

What's your financial security zone ?  How much do you need in an easily-accessible account to feel secure?

Fear and Money

February 4, 2011
                    
We’re finally pack to a normal week’s pay this week, with both this part-time and full-time paycheck.

Part-time paycheck: $163.94 (weekly)

Expenditures: $10.00 eye-doctor co-pay (Struggle, Jr.)
                         26.00 dollar store
                         32.00 groceries
                         18.00 movies
                         21.06 dinner out
                         43.72 gasoline

I think the dinner and movies this week were a reaction to my  mammogram scare.  I went in January for a routine mammogram and got a call-back.  They wouldn’t tell me over the phone what the problem was, just that they needed more pictures, which caused even more stress.  It turned out they had not spotted any questionable “spots” but just had not gotten decent x-rays due to “dense tissue.”  I had to wait five days for my next appointment, worrying the entire time. We went to the movies as a diversion from the worry, and out to dinner as a little celebration after being told everything was okay.  I guess after a week of being in a cancer-scare panic, you feel you deserve to celebrate a little and kick your heels up.  If you’ve ever been through it, I’m sure you know what I mean, and I would guess that had the second test been positive, we still would have still gone out to eat and may have deliberately selected a more expensive restaurant.

Have you had a mammogram call-back or similar scare?  I’m thinking it’s high time we had a more accurate test.

Appliance Repairs

January 19, 2011

Payday!

This paycheck ought to get us back on track and give us a little breathing room, thank God.  I can replenish our emergency fund (wiped out due to last year’s medical bills) or send some extra to Visa, which I  used for part of Christmas.  

This check was a little higher than usual, due to Obama’s new economic incentive, I suppose. Actually, we found out it had some extra in it, to make up for the last pay period not having been figured with the new changes in the Social Security withholding.   So the paycheck after this one will be the correct figure for the rest of the year. 

Income:            $1929.00 (biweekly, irregular amount)

Expenditures:   $ 200.00 home equity line payment
                              13.00 cable
                             203.00 life insurance (hubby’s)
                               33.00 auto property tax (children’s cars)
                             111.68 medical bill (hubby)
                             275.00 church donation                
                             146.20 dentist bill (child)               
                             146.00 washer repair
                             162.03 groceries
                              92.48 gas for both cars

Yeah, the washing machine broke down, can you believe it?  I guess it got lazy with the kids all off at college, and then when they returned for Christmas break, it just wasn’t up for the extra work!  It really ticks me off---not only is the thing only four years old, but when I bought it I shopped around and paid extra for one that seemed to be better quality.  Ha!  At least the parts were still under warranty, so we only had to pay for labor.  Next time it breaks, we’ll buy a new one. 

That’s what happened with the oven, in fact.  It broke down last fall, Thanksgiving week; can you believe that timing? When we determined the problem was the digital circuit board, which we had repaired once previously, we decided to replace rather than repair the oven.  It was over 18 years old, and I had never liked it anyway.  We used the opportunity to upgrade to a larger convection oven, which we financed due to a lack of cash. (We spent most of 2010 paying off unexpected medical expenses, after finding our health insurance deductible had been doubled without notice.)  The oven was just over $1200  (it’s a wall oven, which for some reason are a bit more expensive)  and was financed for 12 months with zero interest.  We plan to pay it off in much less than 12 months, to make sure we don’t incur interest charges.

How about you?  Are you finding that your appliances wear out sooner than they should?

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