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Archive for June, 2016

Another small victory and 2 more weeks off work

June 29th, 2016 at 02:46 pm

I called to cancel one of my credit cards because even though there was a 0 balance, I was being charged an monthly maintenance fee. I told them why and they agreed to waive the charge for me. They also offered to give me a credit limit increase of $200. But I declined. That is the victory. In the past I would have been like "you want to give ME credit? Sure!" But not anymore.

I went to the dr on Monday and my incision isn't doing real well. It is still draining and looks infected. So I am on antibiotics and have to take another 2 weeks off of my second job. I am working my first job from home. Total massacre to my budget. I make it through July, but August is screwed. I am sure everything will be okay...just hate waiting to see how.

Weird Day Yesterday

June 23rd, 2016 at 02:56 pm

Yesterday was a weird day for me. I woke up feeling like I had the flu. Then my lower back started hurting and sending pains down my leg. I thought it might be a kidney infection so I went to the walk in clinic. While I was there I discovered that my incision is leaking. Not a good day at all. I was out of it most of the day. Not able to think straight. It was 5 before I thought to go to the walk in clinic. And the only reason I ate dinner was to take my antibiotic. I am still struggling a little today. But I called the dr and found out it is normal for the incision to leak clear/pinkish fluid. Wish they would have prepared me for that.

I have spent very little money the last couple of days. I bought a burrito to take my medicine yesterday and that was it. I don't have any bills to pay until the 30th.

Resisted The Urge

June 19th, 2016 at 11:16 pm

Okay...I know this sounds simple but shopping is a sort of addiction for me. I have the urge every so often to purchase things...things I don't need...like a bedroom set and a dining room set. I don't need these things but they sure would be sweet. I spent the afternoon looking at these things online and even picked out a few items that I liked. Rooms to go has a sweet no interest deal for 5 years. But then I remembered that I don't want another inquiry on my credit report and there is no guarantee that I would be approved. i do have the credit card with a local company buy they don't have that good of a deal. And I don't want another payment. I have done real good using my credit card and paying it off within a week, just using it to carry me over. So in the end, I closed the internet and didn't do anything. I know this seems like something that should be so easy, but for me it isn't that simple. That is how I got into this mess to begin with, causing me to get a second job. I want to quit my second job soon...and I can't do that if I add more debt. So common sense won!

Oh...I met with the plastic surgeon and I am more confused than anything. He said that he didn't think that he could get enough tissue out of my breasts for the insurance to be willing to pay for it. But if I did a lift, it would make me smaller. But if they don't take anything out, how would I be smaller? I just don't understand. I am a size GG and he doesn't think they can get enough out??? He is sending the appeal to the insurance but doesn't expect it to be approved. So I probably won't be able to do anything since I can't pay for it out of pocket.

Have to change my way of thinking

June 17th, 2016 at 08:56 pm

Used to be when I got an offer for a credit card I immediately accepted it...like "someone wants to give me credit??" And it was usually when I was most desperate. But I don't need credit cards anymore. So when I got an actual credit card in the mail from PayPal Mastercard I had to make a conscience effort to not immediately activate that sucker. I even looked very closely to find the credit limit they were offering me. Couldn't find it. But it doesn't matter. I don't need it. So I cut it up. Even though my credit score has gone up, it still has too many inquiries on it. So I don't want to put another one there either, which would happen if I activated that card. Baby Steps.

Out of Pocket Maximum means...

June 14th, 2016 at 12:10 am

I no longer have to pay for prescriptions or dr copays. That is at least $80 a month savings on prescriptions alone.

I have an appointment on Friday with a cosmetic surgeon to see about breast reduction surgery. I am not confident it will happen but it is worth checking into.

I go back to the surgeon tomorrow for my followup appointment. Hopefully (or maybe not) he will release me to go back to my second job on Wednesday. I really need to go back but I am scared that it will just be too much. I am going to give it a shot anyway.

Need to work on August budget, but can't get motivated. I have to stop at my mom's tomorrow to pay her bills. She says she doesn't know that she will be able to take that back anytime soon. It isn't that hard because she has no bills, just household expenses. Just kind of taxing keeping up with her expenses and my expenses. I just have to make sure that everything that needs to be paid is in each account.

Going to pack my lunch and head to bed. I am exceptionally tired tonight.


Surgery Costs and Credit Score

June 11th, 2016 at 10:55 pm

I checked out my insurance website today and found that my surgery is going to cost me about $2700 not including the dr portion. This satisfies my deductible and also kicks me over the Out Of Pocket Maximum. I am not quite clear on what that means exactly, whether office visits and prescriptions are now 100% covered or not. I which I had checked into medically necessary breast reduction surgery sooner. I am quite large and I am only 4'7". I am not having pain right now but am sure that as I get older it will start affecting my back. I doubt that they will approve it based on only the recommendation of a doctor.

I am recovering nicely still. I am supposed to go back to work at my second job on Wednesday. I don't know how that is going to go. I still can't lift anything over 5#. DD came up today and we went to the grocery store and she is doing things around the house tomorrow that I can't do.

I am keeping an eye on my credit score at credit karma. It hos gone up 79 points since I got the HELOC and paid off all the credit cards. I have used a couple of them occasionally but pay them off within a week of using them. Things are going according to plan to get the loan in only my name at the end of the summer.

Surgery Update

June 4th, 2016 at 05:40 pm

Surgery went very well. I came home with no complications. Until last night. I had an allergic reaction to (they think) the pain killers they gave me. So I had to spend the evening in the ER getting that taken care of. And since I am allergic benadryl, they had to give me a cocktail of antihistimines before the itching stopped. I was miserable for about 8 hours! But I am good now. I am taking ibuprofen for pain and that is seeming to manage it. DD came up for the day to run errands and do stuff around the house. Just waiting for her to get back. For the most part I can take care of myself, just can't lift anything over 5 pounds. You don't realize how many things weigh 5 pounds until you start paying attention.

DD Rent answers - she has 3 roomates and all untilites are included. And she is in another town, it is about 1.5 hours one way.