I used to lurk on here & post once in a while about a decade or so ago. I got debt free. Made a poor career decision followed by a family emergency that made me trip back to debt. I've been trying to snow ball for over a year and can't seem to make a dent. What the hang up is, is medical expsenses. $60 to see the Dr and then not everything is covered. I don't have any chronic medical conditions, it's usually things from an active life stlye & having a boy - sprains, wounds that need medical attention, I had an ovary issue last fall that required surgury, etc.
All of my disposable income is going to medical payments. I have a hospital that I have 4 different account numbers with (one for each encoutner and they won't combine), that I've been making regular pymts to & they are threatening to send me to collections if I don't pay them off ASAP. I don't have 4k laying around and they won't negotiate.
We don't go to the doctor for anything anymore, I can't handle the surprises. I am so sad. I'm making more money then i have in a long time & am living like I still wait tables. I should be debt free by now. At least $300 a month is going to health insurance out of my paycheck & it seems like that insurance covers nothing. And it seems to be par for the course in this era... I hear lots of people talking about this same thing. I'm scrambling for ideas. I feel that if I borrow the money for the med bills that will snow ball into a larger problem since none of this medical stuff is going to change anytime soon with the new laws rolling in , making the assorted medical firms act weird. I don't know if I shoudl just keep making the pytms that I am making ot these medical vendors and pray it'll be OK. My credit is good & if they send me to collections the good record I've worked to create will be nada. My car is 12+ years old with a damaged engine, I donm't know how much longer I can keep the car running. I have no savings to replace the car due to medical. If anything goes to collections that will hurt my chances of a decent car loan if needed.
Sorry for the rant. It's frustrating. I'm tired of being hungry & not being able to have the freedom to do what I want.