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The debt snowball is beginning to roll

January 3rd, 2007 at 05:34 pm

The last two weeks I have:

Paid off my school loan - $630
Paid off the little bit of christmas I charged from internet shopping - $200
Paid off my medical bill - $368

Now I should be able to concentrate on my car loan. I have about $6,000 left to pay. I am hoping to have it paid off by September by paying an extra $300 a month. This will pay off the loan a year early. I did a spreadsheet on how much I will save by paying off early and unfortunately it is only about $100 (I should have started this 3 years ago...), but I guess just having the debt gone is the most important at this point.

On another note - I have not spent any money (other than bills, debt payments...) in 2007! Yea!

Decisions, Decisions...

December 14th, 2006 at 10:39 pm

I recieved my year end bonus today. The company I work for just hands out small bonuses - not the thousands of dollars I read of others getting. I am still very grateful for what I get.

Anyway - the net of my check is $440. Now, what to do with that money.

1. I could use the entire amount to help pay off my school loan. I owe just over $600 so this would be the bulk of that loan. (2007 goal #4)

2. Put this money in my account to increase the 'buffer' in my checking account. This puts me within $200 of my goal minimum balance. (2007 goal #1)

3. Use $200 to pay off the purchases on my credit card from online christmas shopping. Rest can either go to the medical bill I owe or towards my school loan.

4. Open a new savings account for Christmas/birthdays 2007 (part of 2007 goal #3).

Hmmm... what to do... what to do...

Medical costs

December 5th, 2006 at 06:20 pm

Somedays it makes me wonder why I have insurance...

I have Asthma... I have it since I was a chid... nothing new to me. A few years ago before I had my first child I was using the mail order prescription program for my asthma drugs - they would send me 'enough' for 3 months - every three months. Well - I am not sure where they were getting the amount needed from, but I ended up with a stockpile of inhalers. Good for me - I didn't need to go to the dr to to get prescriptions refilled for a while.

Well three years later my stockpile is getting low and I realize that most of the enhalers I have been taking expired 2 years ago. So I make an appt - I know going in what drugs are needed - it should be a short visit.

Since I haven't been there for years they wanted to run all the stupid allergy tests on me. After a 3 hr appt - the verdict was - nothing changed (no kidding...). So he gives me my prescription and I move on.

I got my mail last night and my insurance is not going to cover 100% of the costs of the test (I think we have some fine print in our insurance costs for in-office proceedures...). So I think I am going to be getting a $200 (at least) bill from the clinic. This is in addition to the $100 I already owe for our kids well-child checkups and my portion of my eye dr visit (Ins pays 70%). My flex money is already used up so this will be out of my own pocket...

Just when I am getting my money organized to finally make progress this pops up. I was nearly in tears last night (also had PMS issues).