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I suppose if the money crunch didn't happen all at once, it wouldn't really be a money crunch. Still... why does everything have to happen at once?
Calliope's vet visit was $100 yesterday. Monkey has his annual checkup next week, which won't be quite as much, but is still one more thing. The bills for my foot injections have just started to come in -- $120 per the insurance company, and $208 per the doctor's office, which appears to have double billed me for the x-ray. There are two more injections bills yet to arrive, so I have two more (slightly smaller) chunks to look forward to.
The insurance billing paperwork states my deductible as $500, but I jumped through a ton of hoops last year in order to get a 'healthy bonus', so it's supposed to be lowered to $350. I can't make heads or tails of how any of this is calculated, though apparently the expertise required to stick a needle in my foot bills at $160 for five minutes. (the injection meds themselves? Six bucks).
I totally have the money to pay for all of this, but I'm also at the point where my remodeling war chest is getting low, and it's nearing the end of the year, which means holidays and, worse, shoe shopping. The shoe shopping is all tied in with the medical expenses; it makes financial sense for me to get several pairs of shoes modified this year, while my deductible is A) lowered and B) paid for by my foot injury, because otherwise the first pair of shoes would cost me $500. After that each one is only around $50, so obviously, better to do them in a bunch!
...except then I have to find and purchase the actual shoes, which is really rough, and since I have to have all the work done on them I like to get nice shoes that last forever, so each pair will probably cost over $100.
When I was little, my mom promised me she'd always pay for my shoes and birth control. Birth control because she's an awesome mom and she never wanted that important life choice to come down to money; shoes because she could see that shoes would always be an expensive source of stress for me. I don't like having to invoke that promise (she's probably paid for more than half of the shoes in my closet now, but I usually do part, and at least go in ready to pay -- if she offers instead, sure!), but I think I might -- even if it's just in the form of an interest free loan, helping with shoes before the end of the year would be a really big deal.
Thankfully there's only one hugely expensive part of the remodeling project left (the floor heat and floor). We can do the electrical work a hundred bucks at a time. The landscaping at the end may cost a packet, but I'll have six months to do it, so that's workable. It's just the... *waves hands distractedly* everything else.
Calliope's vet visit was $100 yesterday. Monkey has his annual checkup next week, which won't be quite as much, but is still one more thing. The bills for my foot injections have just started to come in -- $120 per the insurance company, and $208 per the doctor's office, which appears to have double billed me for the x-ray. There are two more injections bills yet to arrive, so I have two more (slightly smaller) chunks to look forward to.
The insurance billing paperwork states my deductible as $500, but I jumped through a ton of hoops last year in order to get a 'healthy bonus', so it's supposed to be lowered to $350. I can't make heads or tails of how any of this is calculated, though apparently the expertise required to stick a needle in my foot bills at $160 for five minutes. (the injection meds themselves? Six bucks).
I totally have the money to pay for all of this, but I'm also at the point where my remodeling war chest is getting low, and it's nearing the end of the year, which means holidays and, worse, shoe shopping. The shoe shopping is all tied in with the medical expenses; it makes financial sense for me to get several pairs of shoes modified this year, while my deductible is A) lowered and B) paid for by my foot injury, because otherwise the first pair of shoes would cost me $500. After that each one is only around $50, so obviously, better to do them in a bunch!
...except then I have to find and purchase the actual shoes, which is really rough, and since I have to have all the work done on them I like to get nice shoes that last forever, so each pair will probably cost over $100.
When I was little, my mom promised me she'd always pay for my shoes and birth control. Birth control because she's an awesome mom and she never wanted that important life choice to come down to money; shoes because she could see that shoes would always be an expensive source of stress for me. I don't like having to invoke that promise (she's probably paid for more than half of the shoes in my closet now, but I usually do part, and at least go in ready to pay -- if she offers instead, sure!), but I think I might -- even if it's just in the form of an interest free loan, helping with shoes before the end of the year would be a really big deal.
Thankfully there's only one hugely expensive part of the remodeling project left (the floor heat and floor). We can do the electrical work a hundred bucks at a time. The landscaping at the end may cost a packet, but I'll have six months to do it, so that's workable. It's just the... *waves hands distractedly* everything else.
