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Bye Bye Medical Bills

November 15th, 2016 at 06:24 am

I paid off my credit card with the medical bill on it today! My checking account is lower than I like, but I have a pending deposit so I went ahead and pulled the trigger.

Got the goat testing results back, all clear. I've paid most of that. Looking at having $150 in vet bills soon, also I need to get my kitten neutered, and I need to go to the doctor for my yearly physical. Yuck! So still lots of little expenses coming up.

Remodel is a go. Just need to sign the contract and hand over the $2,500 deposit. We will be taking the money from the truck fund and the LOC. We will get our new HELOC in a month or two when the work actually starts, at which time we will pay back the truck fund and pay off our current LOC.

So in the next two months we have a mad push to save/pay down debt, and finish some of the remaining home projects before the appraisal. Thankfully it's mostly small stuff and cheap like patching a hole in the drywall, painting the bathroom, finishing the trim, etc.

The remodel is really going to push our financial limits. But we are going to try our best to cash flow as much as we can. No way we cash flow weekly labor. But we are hoping to pay for some of the materials as we go, and pay cash for the finishes such as light fixtures. Any thing we can do to keep the financing only for the big ticket items.

Once the remodel starts we are on a time limit. The bank says we can't refinance into a 30 yr fixed until everything is complete. That includes finishing our upstairs which currently is only insulation and rough in electricity.

So while the crew is working on the addition, we will be working on the upstairs. We are probably also going to do most of the finish work on the addition. But we will just have to wait and see how our budget is going once we get there. Fingers crossed for no major unexpected expenses.

Exciting and scary!

1 Responses to “Bye Bye Medical Bills”

  1. creditcardfree Says:

    Yea! Medical debt is gone!!

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