Thursday, April 4, 2013

March update

I can't believe we're already in April! This is crazy! March was kind of a crazy month. Scott's been working a lot. Which is good. Medical bills were coming in. I think I have it all now. Only problem is there is no way we could keep up. I was up to almost $600/mo worth of bills. Yeah... can't do that! So we made a tough choice but felt it was all we could do and we drained the little bit Scott had in his 401k. I'm not sure what effect it will have on taxes next year. We did have an automatic 10% taken out to be safe but if I was reading right we could get that back or something because if you're medical bills are over 7.3% of your income supposedly you can take money from your 401k to pay for it without any penalty or fee. So I don't know but I'll look into that next year at tax time. But for now we were able to pay $2900 towards my dr bills.

That conversation was not my happiest with my hospital's billing people. The lady was kind of rude and I asked her if I could pay it all off in cash what discount could they give me and what would the total be. I was even willing to pay the money I set aside for car insurance because if I could be done with dr bills I could do the car insurance in 3 payments. But no. She said they already discounted me which was a lie. I was told a total before my surgery and told they could take 20% off if I paid in 10 days. But I was pretty sure they'd still uphold that or something similar. But this was their billing dept in TX. So she wouldn't help me out so I paid what I could from the 401k money and I'm keeping that car insurance money in savings for that when that comes up in the next few months. I've also decided that I will pay whatever I can each month and I don't care what they tried to set me up on. I think my total is going to be like $207 with them and I have a monthly payment of $175 with my dr. I'll stick with my dr's payment plan but if I can only pay $25 to the hospital I will. I'm done with them. They don't charge interest and pretty sure they won't send me to collections. Even if they I don't think they report to a credit agency. So yeah, I'm so done with hospital bills. It's a joke. I better not be doing this again in 5 years. We should be out of debt before then and have money set aside because I'm paying it all up front and avoiding any billing. So done!

Although financially its not easy we have money we've been setting aside in savings and we almost have a credit card payed off. I've been doing a lot better grocery shopping and stretching food and stuff. I know paying our tithing has been the biggest thing. If we weren't doing that I don't think we'd be able to keep up. Its an amazing miracle seeing how everything works out just right and we always seem to have enough and sometimes even more than we think.

I've been working on my personal progress stuff again. It's been good trying to get the girls into it too. Some of my girls are picking up the pace a bit. I love my calling and love my Beehives. I just want them to have the same excitement and joy I have from living the gospel and seeing how personal progress can help our testimonies grow and help strengthen us. I love what I read in JSH 1:20 yesterday where he says "It seems as though the adversary was aware, at a very early period of my life, that I was destined to prove a disturber and an annoyer of his kingdom; else why should the powers of darkness combine against me?" I would love to somehow display that in our home. I want to be known as a disturber and annoyer of Satan's kingdom. I just thought that was awesome. Anyway, we've really been trying to be better with some things. Of course we'll never  be perfect but I'd love to earn my medallion again and maybe even get my honor bee. That would be awesome!

So I mentioned how Scott's been working a ton. I'm lucky that Friday's he's off at a decent time and then has the weekends off. He did have to work a couple Sundays ago. They had been doing repairs on the press that weekend and Monday's at 3am there is a job they where a guy drives in from pretty far to do it. Well they didn't want to have issues at 3am and have this guy waiting around so he went in with his manager and boss to get it done. Of course it was on a Sunday I had to teach and had a presidency meeting. I managed to teach with Jackson there and Charlotte went to Primary with no issues thank goodness. Scott thought he'd be off by like noon but it ended up being like 2 or 3 and he had gone in at 7. It was great to have the hours and I'm glad his manager (who is also in our ward) was nice enough to offer the hours to him. They were much needed. 

The kids have been up to about the same. Jackson climbs on everything. Him and Charlotte play together a lot. She's been a great helper with him and can be so sweet when she wants to. Sometimes its a bunch of screaming and freaking out (mainly Charlotte). Feeding them is always a chore. Jackson doesn't have enough teeth to eat everything but will eat quite a bit of stuff. Charlotte is so dang picky. She's going to have to learn. She used to eat all kinds of stuff. I hope she'll go back to that. Funny thing is she hates when I cook with garlic. She hates the smell. Whenever I ate garlic when I was pregnant with her, it made me sick. My stomach would hurt so bad. So funny how that's coming into play now. When I ask Jackson if he's hungry he'll go "mmmm" and if I say milk he cries because he loves his milk. I need to buy like 4 gallons next time at Costco. I ended up having to buy two more gallons in between trips because he drinks so much. It's also way cheaper at Costco. Like $2/gallon. Charlotte still loves to paint and is now painting flowers. She does a really good job. She loves to be outside too. She's a nature a girl. I can't wait to take her to St. George next month. It'll be fun. I'm hoping to do some hiking around there.

I don't know if there is anything else that's really gone on. My parent's are still in limbo with this house. It was totally theirs until they found out the owners filed for bankruptcy a couple years ago. So now they have to wait until April 10 for the judge to decide what he's going to do. The lame judge wouldn't do anything before then. If he doesn't approve the sale then the home will go into foreclosure. The people have to move out no matter what soon. If it goes into foreclosure or to an auction the realtor told my parent's he has a friend that could purchase it and sell it back at the same price they agreed but it still sounds up in the air. They're just waiting until next week to hear. If it sounds weird or like the process will take too long they might try looking for something else. So we'll see what happens. They should have been in that house the end of this month but it's just all a waiting game now. So annoying. Buying a house shouldn't be this difficult. I do feel bad for the sellers because this guy has medical issues he can't help and that's what has put them in this position. I'm sure it's been so hard for them. I can't imagine what they have to deal with since its all their issues making this not possible at the moment when they just need to be rid of the house. So we'll see.

Other than that I think that's it. Here's to more glorious spring weather! :)





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