Need some Encouragement
Find a Conversation
| Tue, 08-30-2005 - 11:17am |
First I want to say that I lurk here, and occasionally post, and have found this board to be a great source of encouragement and motivation for me. I have really got my act together started a savings ($580- not much of a savings, but more than I have ever had)--and had a plan to get myself out of debt.
I just found out that my son has to get a 2nd set of tubes in his ears. Not only does it bother me that we are constantly dealing with ear infections, and that he has to have surgery again.. but there is also a 1K deductable on his insurance. So there goes my savings and more. I will do whatever I have to do to make my son better, but just when I thought I was moving forward, I take 3 steps back. I have to start all over, and it makes me sick to my stomach. Christmas is coming, I DON'T see a light at the end of the tunnel. I know I should be thankful for what I have.. and I am. I just need to vent. It's hard to get up after you keep getting knocked down.

(((hugs))) - I'm so sorry that your DS is having trouble with ear infections.
All my best,
Danni
Wow! $580 in savings--that's great! You've really applied yourself. It sure can be frustrating to feel like you're constantly getting set back, though.
With $580 in savings, that means you have to come up with $420 for your son's tubes--imagine, you're going to pay more than half your deductible in cash!
I know how frustrating it can be to watch your hard-earned savings disappear suddenly. But the further you get ahead, the less these things will set you back. Two years ago, one year into our debt repayment journey, we had about the same amount in savings, and had to pay it all out for something (don't even remember what, now). It sucked, although I was glad not to be going into debt for it.
Now, I have $1000 in a contingency fund, and recently was able to pay cash for an air conditioning replacement, total $3600. Wiped out all but the $1000 contingency fund, but it sure felt good to hand over CASH, not a credit card.
Of course, on one hand I feel down about all those little savings accounts I had accumulated getting wiped out in one fell blow, and all my business income for a couple months just gone. But on the other hand--three years ago, a $3600 bill would have meant bankruptcy for us. I would have been a sobbing mess.
Anyway, I don't know whether that sounds encouraging to you, but I want you to know that you can be proud of yourself for coming so far. Take a few days to feel sad about the $1000, then you'll be ready to pick back up and figure out the next step. Eventually, a $1000 bill will feel like nothing to you. Hard to imagine now, but a great feeling when you get there.
My sympathy is also with you on your son's ear infections. It must be very hard to watch him in pain again, and know that he has to face another surgery. You must be very strong to be dealing with it so well.
Many blessings,
Heather
Wow Heather said exactly what I wanted to say, only she did it so much better!
njfoley2002--your banners are cracking me up. I especially like "I make milk--what's your superpower?" It does seem miraculous to me.
Thanks for the ego boost too :D.
Heather
Thanks you guys. Sometimes I just need to talk about it and it makes me feel better. My husband thinks somehow the $$ for everything will just suddenly appear when we need it. I know better, so I worry!
Thanks again. I am sure that we can get through this, move on and start to save again!
Becky
CL of 4th, 5th & 6th grade Scoliosis