ups and downs
May 30th, 2012 at 01:39 amStill walking on crutches and trying not to fall Actually am getting the hang of it! LOL
An update to my 'Mostly Free Christmas'
Christmas Amazon Gift Card credits: $154.09
Christmas: Cash $307.27
Christmas - Pending $47.77 check from Inbox Dollars (to recieve in July)
Christmas - Pending $20.40 check from Cashcrate (to recieve mid June)
Cashflowed Gifts:
Sister's xmas - DONE - $24.95 out of pocket (decorative Wine cork holder)
Friend NG partial xmas - Earrings $0.01 out of pocket after coupon code and a book bought last year for her
Friend B xmas -DONE - Game - $7.49 out of pocket
Niece - partial xmas - small purse - free (gift with makeup purchase)
Friend L - birthday - DONE - $5.94 - Indian's Team Rubik Cube
Mom - partial xmas - I LOVE Crafts linen bag $7.52
I HATE HATE HATE my company's new insurance program. They forced us to go with a high deductable plan, and while they 'gifted' us $400 in a Medical Reimbursement Account and I 'earned' Health Funds of $500, plus putting $400 into an HSA - I have blown through it all with physical therapy for my wrist, another health problem, medications & my broken foot. AND not all of that money 'spent' went to my $1500 deductable. So now I am paying out of pocket 100% for at least another $850 or so dollars. Thanks a lot work.
On the upside - because they have this stupid auto payment from the MRA thing - they overpaid my Physical Therapy people. After about a dozen calls, the PT place is cutting me a check for the overpayment (of about $379.31).
I ALSO found an error and my doctors office is rebilling the insurance, this should refund me about $121.01. Both of which are good - because I owe the Foot Specialist $250.59 for the visit, assessment and the air cast. What a rip off this plan is. There are no copays, just percentages of what is owed. Annoying!
My roommate is still working out well. She's been kind enough to help with extra stuff since I have been laid up with the foot. My mom has been SUPER helpful and I LOVE my boyfriend for everything he has done for me.
Financially, I am working to paydown the debt I have AND still not add to it with any medical expenses. Its been tough because I cannot cook for myself and cannot grocery shop or do any cleaning. What I have 'saved' in gas has been eaten up by money for take out and extra groceries. While I spent 2 weeks working from home - I utilized Netflix like it was my job. Haha.
My good friend also gave me a $15 gift card to Amazon to use to rent movies off my Roku box. I sincerely appreciated that. I am back in office now, but obviously, my mobility is still limited. I am 100% on crutches and have the aircast.
Upside to the broken foot - I have had a bit of time to put on Craigslist an unused Breadmaker, an unopened MealSaver Food Saver and some dvds. I have only gotten a response on the dvds though.
Downside - I cannot use the nice, brand-new Reel Lawnmower that I had bought free through my Swagbucks Amazon gift cards. I am having a friend of the family cut it for $35/month. Necessary though as the boyfriend is severely allergic to grass or he would do it for me.
Upside, I am looking to sell my broken lawnmower to a guy off craigslist. Someone with the know-how could easily repair it. The task is just beyond me and I really enjoyed the Reel mower since I have such a small lawn.
In other news, I am shopping car insurance as once again, my company is trying to increase the amount this year.
Tomorrow or Thursday, I am calling Comcast to negotiate a better rate.
I have been following a budget the best that I can given my predicament. I seriously considered Spending $75 for a Living Social for 5 hours of cleaning. The house is a mess of cat hair & dust and with my family being tied up with my sister's wedding (last weekend), I haven't been able to ask for help. And really I have imposed quite a lot alredy. My dad comes down to do the cat box, my mom to bring food/groceries and do my laundry. I'm hoping to get the nephew to do some light dusting and vacuuming & will probably pay him about $15-ish for doing the living room, stairs and hall as well as sweep the kitchen.
So in a nutshell, I really need to be creative to take care of myself day-to-day and to not take advantage of boyfriend/friends/family. LOL