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Archive for February, 2020

February Check In

February 27th, 2020 at 05:41 pm

Mortgage -$112,573.97 (-$156.77)
0% CC $0 (-$2,700)
Helitech Loan -$3,150 (-$400)
Medical Loan -$1,700 (-$100)

Roth IRAs +$15,568 (-$464)
401K +$25,648 (-$615)
Emergency Fund +$3,406 (+$302)
Animal Fund +$505 (+$0)
Truck Fund +$1,845 (+$120)
HSA +$928 (+$204)

Overall: +$2,903.77

I paid off my credit card! Next goal is to pay off the Helitech loan by June, but hopefully even sooner than that. Retirement is down from the Coronavirus scare. Next month will see the addition of at least $7,000 in medical bills plus I have to pay our 6 month car insurance.

Medical Bills

February 26th, 2020 at 06:53 pm

The bills are no longer pending and we are currently on the hook to pay the extra $3,000 for out of network bills in addition to my normal $7,000 OOP max. Yuck! I called the hospital and insurance and they are going to re-review the charges. If that doesn't change anything they said I can appeal... I'm not sure how successful that is.

I'm also not sure all the bills have been submitted yet, more may pop up.

Super bummer than I made such good progress on debt this month and then next month our debt is going to go back up by at least $7,000 again. That same thing happened back in October. We had positive net worth and then we had to take out $7,000 in loans. Oh well. One day we will get ahead.

Plan is still to pay off the construction loan asap and then we will be down to just medical debt. I already have some money put back for March payments.

I'm going back to work next week. Little sad/worried but also ready to have money again and get out of the house.

Taxes & Insurance Part 2

February 15th, 2020 at 02:43 am

Well I spoke too soon... Now there are several thousand out-of-network bills pending on my insurance for the NICU bill. Grr. Will just have to wait a bit longer and see if insurance decides to pay or not. If not I will be calling and seeing what I can do about it. Why is medical billing always so shady?

Taxes were deposited and with the gifts we received I was able to go ahead and pay off the credit card completely! Woo hoo! This completes my first 2020 goal, and it's only February!

Next up to go will be the construction loan. With husband working almost 60 hours of overtime this week (poor guy) I am hoping we will be able to drop it fast.

Taxes and Insurance

February 12th, 2020 at 04:21 am

Got my taxes filed and our refund is supposed to be deposited tomorrow. We are getting back about $2,150 but I had to pay in over $200 to the state and it cost around $100 this year for me to file. So $1,800ish.

We will use part of the refund for vacation savings and the rest will go towards debt. We also received several more monetary gifts for the baby. So I have $500 extra to throw at the credit card.

Husband is working 7 days of 12 hours this week. Major bummer with a new baby but that may give us enough extra money to pay off the credit card this month! That would be awesome.

It looks like the baby's medical claims have hit insurance. Thankfully they ended up counting her bills as in-network. So we owe "only" $7,000. Which is still a lot, but much better than $14,000! We will be getting a 0% 60 month loan from the hospital, this will keep our minimum payment pretty low. I am still making payments on my pregnancy bills as well. But once our construction loan and credit card is paid we will focus on the medical debt, in addition to the weekly HSA deposits we do. Still hopeful we can pay everything off this year. Fingers crossed!

My permanent retainer broke randomly after 10 years and so I had to go to the dentist today and get it fixed. The metal wire was sharp and poking me, and I could already feel my teeth moving in two days. $30 well spent.

Baby is Here!

February 3rd, 2020 at 06:33 pm

I was quiet this month because the baby is here!

It was a bit of a whirlwind, and although we are settling in nicely now we had a rocky start. They thought she swallowed meconium which she actually didn't. This resulted in a frustrating 5 day NICU stay with a perfectly healthy baby. Lot of tears and upset. What a long story and a disaster. Bottom line is that there was/is nothing wrong with her, and we will making a complaint about the hospital.

We are happy to home now!

The next problem is that I received a letter stating that although the hospital is in network (and my delivery) the dr (whom I never met) who wrote the NICU order is not in network. Which would raise our OOP max from $7k to $14k!!!!

I'm freaking out a bit. I will have to wait and see what the actual bills say. So help me I will not be paying $14,000 for a NICU stay which was unnecessary and I felt we were held against our will.

January Check In

February 3rd, 2020 at 06:24 pm

Mortgage -$112,730.74 (-$156.16)
0% CC -$2,700 (-$400)
Helitech Loan -$3,550 (-$400)
Medical Loan -$1,800 (-$100)

Roth IRAs +$16,032 (-$185)
401K +$26,143 (-$65)
Emergency Fund +$3,104 (+$875)
Animal Fund +$505 (+$400)
Truck Fund +$1,725 (+$60)
HSA +$724 (+$218)

Overall: +$2,359.16

Retirement markets where down, but I was able to pay down debt and replace my emergency fund this month.