Sunday, February 11, 2018

Murphy Strikes Again-Will This Stop?

I can't believe it's been a month since I last posted.  Nothing was really happening.  Just doing our thing, going to work, come home, pay for husband's kidney stones.  Those type of things.  Then 2 weeks ago tomorrow it happened.  I woke up and went to the bathroom to get ready for work when I noticed that the vision in my right eye was not right.  Everything had a grey tint to it and quite blurry.  I thought it would improve.  It didn't instead it got worse over the course of a week.  I developed a grey spot in the middle of my vision in addition to being blurry with a grey tint.  I went to my opthalmologist who diagnosed me with a swollen optic nerve and he sent to a neurologist who specializes in the eye.  I saw that doctor and she said she had not seen my problem in 15 years and told me I needed to see a doctor who specializes in the retina.  So........I went to see a retinal specialist and got the final diagnosis and prognosis.  I have ischemic central vein retinal occlusion.  I have had my eyes dilated, had scans, had an angiogram, doctor exams you name it but this last one really takes the cake.  I had in injection IN my eye this past Wednesday.  My doctor says I have to do this monthly, then every 3 months, 6 months then yearly and maybe I can stop at that time or I may have to have these injections for the rest of my life.  There is no guarantee that my sight will improve.  It may stay like it is now.  I do not look forward to having these shots every.single.month.  It is not a pleasant experience. 

And through all of this I keep hearing the cash register in my mind going kaching, kaching  and kaching.  I was told that one of the medications injected in my eye is a cancer drug that my insurance may or not pay for but if it doesn't pay for it the company who manufactures it will.  So I am waiting to see how this is going to cost.  I called the doctor office on Friday to get some kind of cost information and was told it was not available at that time.

I told my husband today, on the way to church, that I am so glad that we got out of debt.  No mortgage, no car payments.  This move on our part has turned out to be a huge blessing since all of this medical hoo haw has happened.  Now the retinal monthly office visits will need to be added to the budget.

At this time I can't read out of my right eye and my peripheral vision is not good at all.  Work is very difficult because I am working on excel spreadsheets and figures on reports every day.  It gets very distorted but I will have to deal with it.

So this is what has been happening in our little part of NC.  How are ya'll doing? 

Tuesday, January 2, 2018

Murphy Visited Again-Happy New Years to Us

This time Murphy was in the form of a kidney stone.  Yesterday evening I had to take my husband to the emergency room on New Years Day because he was sick as a dog and suspected he had another kidney stone.  We thought about going to an Urgent Care however none of them were open so we went to the nearest ER.  There is one about 3-4 miles from us and off we went.  Surprisingly there was no wait.  He was registered and taken right back but in all honesty you could look at him and tell he was sick as a dog.  He had no color, sweating profusely and walking bent over.  Now this part here may be too much TMI so please stop if you get quesy.  His urine sample looked like cloudy cherry Koolaid-it had that much blood in it.

They gave him fluids, some pain and nausea medication and then we waited to be taken to have a cat scan.  Then we waited for the results.  The doctor made a joke saying something like yeah you have a kidney stone.  You told me that but I just cost you a lot of money.  Not funny but I'm glad to know that so far he only has one stone however he hasn't passed it.  We had to go to a pharmacy that was open 24 hours.  That was interesting let me tell ya. 

We both are tired but I feel so bad for him because he was in so much pain.  His t shirt was soaked with sweat.

So this makes two times that Murphy has visited us in 2 weeks.  Enough now.  I really hate to see what this bill will be because hello it was January 1st and his plan renewed on January 1st and of course he has not received his new card yet.  Thankfully they did take his old one at both the hospital and pharmacy. 

So now we are looking at almost $4000.00 to fix our plumbing and this upcoming hospital bill.  This is when you realize that you really do need to be in the know when it comes to your health and your insurance, if you have it.  CTMOM is on point with this. 

Once again I implore ya'll to save, save and save some more because you really have no idea when Murphy will knock on your door.  Oh and btw-we are going to need a new roof in the spring.

Happy New Years ya'll-not so far but it will get better!

Saturday, December 30, 2017

I Spent Some of my Christmas Money

I received some money for gifts this year and since I am in NEED of a new pair of jeans I went to Dress Barn Women today and bought a pair plus 2 tops.  One of the tops can be worn at work or home.  I'm trying to get more clothes that will work in both situations.  Dress Barn is one of the few places that sell plus sizes that don't look like tents-by that I mean they actually have a bit of style to them, ya know?  Us overweight ladies want to look nice too.

So when I came home, I semi cleaned out my closet.  Have you heard of capsule wardrobes?  Having just a few items that will suffice for both the workplace and home. This is supposed to be very helpful in choosing what to wear since you've cut out all of the items you never wear and faced with just the basics.  Items that you love and will wear.  It kind of makes sense to me.  How many of us look in a full closet but somehow feel we have nothing to wear?  That would be me.  So I'm trying this out to see if I like it.

I've been binge watching Law and Order SVU and football games.  Odd combination isn't it but it works for us.  LOL.

I've paid all of our bills for January except for the plumbing bill that will come next week when they fix our problem.  It's really kind of nice to have the bills out of the way.    

Is it cold in your area?  We've been pretty cold the past few days.  I wish it would snow but so far none.  

Well I am off for the night.  Have a good one ya'll!

Friday, December 29, 2017

Stocking up for the New Year

So the past week I've purchased items that I hope will last anywhere from 3-12 months.  I bought these items in hopes that it will keep me out of stores.  I don't know about you but if I go to Target to buy toothpaste, I come out with way more than I planned.  So I bought deodarant, toothpaste, lotion, face wash, toilet paper, paper towels, and face wash.  It is my hope that these items will last 3 months.  I also bought a year's supply of generic allergy medicine from Costco.  That alone is worth the membership fee.    I still need to buy Dr. Bronner's bar Tea Tree Soap.  I have a skin condition that requires anti bacterial soap.  I have Dial on hand but trying Dr B's soap since it is supposed to be a 'healthier' version.  It seems that everyone out there wants to outlaw antibacterial soap without realizing that some people actually need it.  

January 1st starts the No Spend Challenge via Frugalwoods-their month of extreme frugality.  Now I know that some people don't need a no spend month because they really don't spend that much to begin with but I am hoping that it forces me to become intentional with my money.  My husband is NOT participating as he can make $20.00 last a very long time and that means we will be going out to eat once a week.  He enjoys it and he is not the spender in this equation.  So basically I will be cheating but I truly hope that this is the only category.

Does anyone out there do No Spend Challenges?  If not please go easy on those of us who are!

Thursday, December 28, 2017

Murphy Happened

Well  wouldn't you know it.  We got debt free and Murphy paid a visit to us last week and we are still waiting for it to be totally fixed.

My husband calls me on my way home from work and tells me we have a water emergency as in water was pouring out of our downstairs toilet for no reason.  He had not flushed it at all but he said he heard bubbling and gurgling and then the water started coming out, going all over the place and he couldn't stop it. 

So he called an emergency plumber.  It took a couple of hours but they finally made it to our home.  Turns out that roots from trees had damaged the pipes coming out of our home and caused a backup and that is why the water was backing up and out of the toilet.  That was last week.  On Tuesday, someone from the city of Raleigh came out to see if the city would be responsible for any of the charges to repair the pipe.  No was their answer and we expected that but it was worth a shot you know.  So..............we are waiting to see when the pipe will be replaced.  It has been "fixed" or at least a band aid solution was done so it won't happen again.  We were given a price of under $3500.00.  This plus the over $400.00 we paid last week makes this repair a tad under $4000.00.  If this visit from murphy had happened just last year we would be in a world of hurt and I would be in tears.  Now please don't get me wrong, this will put a dent in the emergency fund and although I wasn't in tears, it did me a bit anxious but................saving more money in the last year along with paying off the house and car put us in a better position.

Please people listen-Murphy will visit.  Murphy will happen.  It may not be a damaged plumbing pipe.  You may lose your job or someone get sick.  Please save as much as you can while you can, pay off debt as much as you can while you can.  Be prepared!

Tuesday, December 5, 2017

We're Debt Free!

Yes you read that correctly.  We are debt free.  I mailed off my last car payment today so I guess technically we aren't debt free until the balance actually goes to zero but I mailed it off so for us that's pretty good.  My car was scheduled to be paid off in 2020.  We are both so excited about this.  No mortgage and now no car payment.  I told my husband now we have to be hard core about building up our savings.  I told him we worked too hard to get out of debt we don't need more.

So that is my good news for the night!

Image result for debt free

Sunday, December 3, 2017

Check Out this Blog

I have a blog that I think you guys will really LOVE!  It is down to earth blog by Rhonda Hetzel.  I think she lives in either Australia or New Zealand but either way I love the design of it, the photos, the content.  It is amazing!

Please give it a try.  I think you will like it alot.