I admire everybody’s suggestions concerning my medical payments. I used to be capable of eradicate certainly one of them with a cellphone name and money settlement. Thank goodness for a really stable financial savings account. I’m nonetheless engaged on the COVID hospital invoice.
|Authentic Whole (January, 2022)
|Present Month Whole
|Objective to Payoff
|Medical – COVID Hospital Keep
|Medical – Listening to Aids
|Medical – Testing #1
|Medical – Testing #2
I proceed to prioritize the medical payments over my mortgage and scholar loans. It appears like I can repay all the unsecured debt by Fall of this yr. Rating!
I bought lots of adverse suggestions for my medical debt final month. Because of this, I really feel I must make clear a couple of issues.
I’m maxing out my contribution to a HSA each month (and I did final yr as effectively.) That is $7,200 in direction of medical payments. You all educated me on one other approach to make use of HSA. Nevertheless, once I signed up for it final yr, I totally anticipated utilizing it for medical payments. So no, I didn’t embody one other medical line merchandise in my funds. I didn’t see any want too.
Once I set it up final yr, I deliberate to pay for each Princess and Gymnast to get their knowledge tooth extracted. We’ve got a excessive deductible well being plan so figured it will get used. I didn’t plan for COVID, automotive wrecks, medical testing and even listening to aids. You can not plan or anticipate these issues. Thus extra payments than anticipated. They could throw a kink in my plan however they’re manageable.
And they’re nonetheless coming…
Life is fairly quiet and secure round right here. Gymnast is working 20ish hours per week and doing faculty nearly. He’s loving this freedom from the each day grind of the lengthy faculty days.
Magnificence resides at dwelling however between work and faculty, I solely see her in passing. She is saving cash for 1) a brand new automotive and a couple of) to maneuver out sooner or later. I’m so pleased with her.
Princess is working exhausting at sustaining her grades. I believe I discussed beforehand that her first semester was not the very best and he or she is aware of that she has to get her GPA up this semester to take care of her grant cash. However I’m actually pleased with how centered she has been this semester. She comes dwelling on the finish of subsequent week, first time she’s been dwelling this semester, for spring break. I’m so excited to see her.
Twins go to commonly and are each doing effectively. We eat collectively about as soon as per week and catch up.
Court docket prices
We’ve got a number of courtroom hearings this coming month. Gymnast for his wreck and ensuing 5 citations from December. Me from my jail time and ensuing 2 citations. I’ve priced attorneys for each…ouch!!! $1,500 for my tickets and $2,500 for Gymnast. I’m going to likelihood Gymnast case with no lawyer however really feel that I need to chunk the bullet and rent one for my case.
I’ve been instructed that if I’m convicted, which I shouldn’t be, however after latest dealings with this method, that I might lose my license for six+ months. I can not likelihood that. And extra importantly, I can not belief that proper will simply prevail. It’s extra of a recreation than I ever anticipated versus simply being proper versus incorrect.
Our second toilet rework ought to be full within the subsequent week or so. So prepared for it to be performed! We began it in November. It’s been sluggish going and I’ve needed to make a number of compromises to remain in funds and maintain prices down. However I’m pleased with the way it’s turning out and total, making this a 3 bed room/two bathtub home (as an alternative of 1 1/2 bathtub) will repay in the long term for resale worth. I’ll owe a complete of $400 to a contractor as soon as the toilet is full.
This week I made a decision to spend an sudden $700 to have a wildlife prevention firm are available and safe the home from rodents and wildlife. Whereas we haven’t seen something in the home, we did discover an entry level the place one thing chewed by way of the sheetrock within the toilet closet (the one presently below renovation.) I’m not taking any possibilities! (This comes out of a wholesome financial savings account that I proceed to place $300 into each month so it won’t have an effect on my funds in any respect.)
My revenue stays regular with my company job. However there’s been a great deal of upheaval in my division. (Hey, company world politics!) On account of a few of that, members of my staff are receiving a $10,000 month-to-month bonus (divided between the staff, not individually) based mostly on workload and such. Due to this fact, I did obtain some additional revenue this month and anticipate getting some for the following few months, however it should fluctuate.
This bonus is taxed at 22% as supplemental revenue or one thing like that. However all of the “additional” that winds up in my test will go on to debt. I’m not placing it in my budgeted cash so it doesn’t get allotted anyplace else.
Additionally, my job did give each worker $500 in direction of dwelling workplace wants which was not taxed this month. In order that went into the “repay debt” pool too.
The submit Hope’s Debt Replace – February, 2022 appeared first on Running a blog Away Debt.