Just when you think it's safe...
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Just when you think it's safe...
| Mon, 03-06-2006 - 11:15am |
Kids get sick!!!! I've really only been on this budget journey since the beginning of the year and we are still getting the hang of it but last week I had to take my son who will be one on Friday to the Dr. for what I thought was only a cold and it turns out he has bronchiolitis which I'm told is a form of croup. Anyway, we end up leaving the Dr. with a nebulizer which we have now apparantly purchased at over $100.00. We have the crappiest insurance which we pay over $700.00 a month for and we still have a $1,000.00 per person deductible!!! So while insurance authorized the use of the nebulizer we still have to pay for it plus $35.00 for the prescription to put in the nebulizer. Now today I have to take my 2 year old daughter to the Dr. for a strange rash she has. I've put Dr. visits into our budget but apparantly not enough but I don't know how to increase and where to decrease! AND to top that all off we went to a benefit for Junior Acheivment over the weekend. My In-Laws paid for our tickets (at $125.00 a piece but what I could have done with $250.00) and DH decides to bid on a night at a bed and breakfast and not tell me and we end up winning for $130.00 which you guessed it went on the cc because I hadn't planned on spending anything. Oh and I forgot DH is diabetic and had this 3 day blood sugar monitor thing done last week and again since we have the crappiest insurance around, will come out of our pocket. And then there is DS's birthday party this weekend which we are doing as inexpensive as possible but still I need to get the food for that. We aren't even getting him a birthday present and I feel like a horrible mother for it but well, 1 he doesn't need anything and 2. we just can't afford it. I'm rambling now sorry I'm sitting here and it is just hitting me all the bills that will be coming our way this month.



One of my suggestions would be to review your health insurance. If you are paying $700 per month is the insurance even worth it? I would review the policy and consider doing without insurance (we have been without for 10 years now) or getting a major med policy, which you should be able to do for like $200 per month and use the funds for other stuff.
Unless of course you have some major health problems that make you keep it.
HUGS
stacy