Tiny, tiny victory

Community Leader
Registered: 08-25-2006
Tiny, tiny victory
Mon, 01-06-2014 - 7:55pm

Finally paid off my physical therapy bill that started the summer of 2012.  Of course, the medical never ends.  Back to owing the dermatoligist $300 again, but doubtful I will need any PT again (barring some kind of injury or accident).  So, I can check one off!

I have accepted that I will probably always owe some doctor or dentist some money.  DD has first appointment in February  at Orthodontist.  Don't even want to think about that payment!!  Apparently this isn't just a few crooked teeth, but her actual bite.  We'll see what they say.

DH has started his dental work and crossing our fingers that all the insurance changes fall into place.  What a mess!  I won't even try to explain it.  He was already on a great program that helped people pay for insurance premiums.   Everything has been sent in and no confirmation of anything.  

Anywho, the boards are pretty quiet so I thought I would throw out my little victory.  Kiss


iVillage Member
Registered: 11-14-2008
Tue, 01-07-2014 - 8:32am

Well I like it Serenity! Dropping a payment is great. Especially one that doesn't come back.

I am curious what your thoughts are for this year on the 14 cc? Life changes so much, braces? Its a lways something. How is school going?

I am truthfully scared this whole house venture is going to be way over budget. I hope my new job and our income in total can handle the payments. I lose sleep over it sometime. I don't want to go into debt because we can't afford our dream and daily expenses. That is a night mare of mine. I am just telling myself the first few years will be rough until Lila is in school....but that is 4.5 years away. Hopefully our salaries will be higher by then but then interest rates will be higher too I fear. Plus we won't have extra money and our basement and garage won't even be finished. So many worries. If we put less down on the house, we probably can't afford the payments with our salaries and I don't even know all the costs yet!! One step at a time. Sorry for high jacking your post. Just thinking out loud. Must look on the bright side!!! New! I have never had that before in my life!  Very excited!

Have a great day!

iVillage Member
Registered: 07-24-2001
Tue, 01-07-2014 - 2:00pm

Serenity - I do think it's important to celebrate every little victory.  And I agree that paying all kinds of health care bills really sucks!  I've been there done that!!  I have to admit in the last few years while I've been paying down debt, I've been avoiding ALL medical/dental appointments.  Not good!  I'm sure I'll be paying in the long run.

Karen - WHAT????  YOU BOUGHT A HOUSE!!!  That's MAJOR!!  Good for you.  You know, of course, you worry too much, right ?- lol.  Honestly these things do have a way of working themselves out - IF you keep your eye on the ball, and we all know that YOU keep your eye on the ball ALWAYS.  We actually moved in Aug to be closer to where DH is working.  We haven't been able to sell our house, so we are renting a small apartment.  Before we moved, I crunched the numbers over and over again - and constantly worried that it would be too much of a stretch to afford a mortgage AND an apartment. . . but it's been perfectly fine.  We just have to watch our pennies.

Avatar for mahopac
iVillage Member
Registered: 07-24-1997
Tue, 01-07-2014 - 5:10pm

Hooray for little victories!

A few months ago my DH brought DS to the orthodontist for his first visit.  Now, I have two older kids who both had braces, and I knew DS was going to need braces - but somewhere along the way I forgot that I would have to PAY for them. I did not have any money in the budget at all!  A couple of weeks later I got a letter from a former employer offering former employees a lump-sum payout of their pension.  Since mine was only worth about $10,000, I said, "I'll take it!"  After taxes, it's just about exactly the cost of DS's braces.  I was lucky - but I still feel like a dope for having forgotten to plan for this.

iVillage Member
Registered: 04-10-2003
Tue, 01-07-2014 - 7:58pm
Congrats! Small victories are great to keep you going!! Great job!

Bex -

iVillage Member
Registered: 11-14-2008
Wed, 01-08-2014 - 9:28am
Yes we bought one! Very excited!!! What you said means a lot to me. So thank you very much. I have run budgets after budget and I just can't get it to work yet, but I don't have final numbers and hope to increase our income so I think it will all work out by fall(house in June or July!!) Thanks again!
Community Leader
Registered: 07-26-1999
Wed, 01-08-2014 - 1:22pm
Yay for small victories, sometimes, even the small ones are just what we need to keep propelling us forward!!