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Life After Credit Card Debt – A Stressful 2010 So Far

Hi Everyone. Tricia here with a long overdue update. I missed December’s update completely. The last Friday of the month (that’s when I update) landed on Christmas day and in the excitement I forgot about it. When it was time to write January’s update, I didn’t feel like writing a single word. Financially, things have been fine. We are still credit card debt free and we’re still plugging away at our other debt. Emotionally, well, I was a wreck.

It’s sort of my unwritten rule that I do not discuss people close to me on here unless I can keep it very general or if they say it’s okay. So you’ll have to pardon me when I say there was someone close to me with a health issue but do not give any more details. It’s tough when you know someone having troubles. I am a worry wart – I didn’t handle it well. A little bit later I found myself with my own health issue. Since that issue is about me, it’s fair game to blog about so I will take this update as my chance to do so.

Before you read any further, what I am about to write is not necessarily finance-related although the financial aspect of it will probably be discussed in a future update. It also may be too much information for some of you and it’s definitely not what you would expect to read on a debt blog. It’s still very fresh on my mind and it’s been a part of my “Life After Credit Card Debt.” Rather than skip yet another update, I decided to write about it.

Deep breath…here we go…

I still remember the exact moment I felt it. It was a small, hard lump a little bigger than a pea. I finished up my shower and as soon as I saw my husband I said, “I found a lump in my breast.” The next morning I told my doctor what I had found and she wanted to see me at my earliest convenience. I made an appointment and tried not to think about it too much. When it was time for her to see me, she confirmed that she felt the lump in my left breast and she said the next step would be to get a mammogram. I’m in my early 30s, I never thought I would be having a mammogram so soon.

My husband went with me to my mammogram appointment. He asked the technician if he could go in the mammogram room with me (what a sweetie) but the technician said he couldn’t because of the radiation. The technician left me alone in the mammogram room to change and I slipped on the hospital gown. There was a mirror on the wall and I found myself gazing into it, feeling like all of this was a dream. I heard a knock and the technician came back in. As my breasts took turns being compressed in the mammogram machine I knew it wasn’t a dream. When it was over, the technician left the room to develop the film. I decided to stand instead of sit in the pink recliner. Out of the corner of my eye I saw the x-rays start to appear on the technician’s computer monitor behind the glass. I pressed my face as close to the glass as I could. There was my left breast. I didn’t see the lump I felt, but I saw some white in the area where the lump was. I knew enough from researching mammogram pictures on the internet that white isn’t necessarily a bad thing. My right breast pictures started to appear. Clear as day, there was a mass. I was completely surprised – my left breast had a palpable lump, not my right!

The technician came back and said that the radiologist didn’t need any more pictures and that I could get dressed and leave. I wouldn’t receive my results for a few days. I joined my husband in the waiting room and we went home. Life went on as I anxiously waited for the results. I jumped every time the phone rang. Almost a week later the results came back. It wasn’t the worst news, but it wasn’t the best news either. The results were inconclusive – I needed to have a follow-up ultrasound. The appointment was made for that and again I had to wait. Of course, I hit the internet again but this time I filled my brain with ultrasound pictures.

The day of the exam, my husband had to work so he couldn’t be there with me. The technician left the ultrasound room while I slipped on the hospital gown. This time I didn’t think I was in a dream. It was all very real and part of me wished I was back to thinking it was a dream – if only for a little bit. The technician came back and instructed me to lay on the bed. She squirted the cold gel on my body and the ultrasound began. She located the mass in the right breast first. It was uncomfortable, but I managed to contort my neck enough to allow me to view the monitor. There was definitely a mass, but the inside of it was black. Fluid shows up as black on an ultrasound so I took that as a good sign that maybe the mass was just a cyst. Whew. She moved the ultrasound wand to the other breast. She started hitting buttons on the ultrasound console to mark something on the screen. Mark what? I couldn’t tell heads from tails with what I could see on the screen.

When she was done I asked if I would receive results that day and she slightly chuckled that it would take a few days for the radiologist to review and for me to receive the results. She left the room to talk to the radiologist to make sure he or she didn’t need any more pictures. I sat up from the bed and reviewed the ultrasound pictures still on the screen. I didn’t like what I saw (or rather couldn’t see) with the left breast lump. I forced myself to lay back down and stare at the ceiling tiles. I’m not a radiologist. I have no clue what the ultrasound pictures mean and I had to stop looking at them.

The technician’s knock broke my tile-counting concentration. She walked in and she wasn’t alone. The man with her was dressed in business casual attire and not wearing scrubs. My heart dropped even before he introduced himself as the radiologist. I knew it wasn’t a good sign when she brought him back with her. He started off by talking about the mass in my right breast. It was nothing to worry about and blah, blah, blah. Seriously, I don’t know what all he said. You’d think that I would have felt some relief at that news but I didn’t. He was there for a reason and it wasn’t to tell me everything was okay. Finally he started talking about the lump in my left breast. Again, I don’t remember everything that he said but he did mention that he didn’t think the lump was cancer. That was the first time anyone uttered the “C” word to me. I tried my hardest to keep my face emotionless but a single tear managed to slip out and travel down my right cheek.

I had a few options. I could come in for follow-up ultrasounds at six months and a year to see if there are any changes with the lump or I could have a biopsy right then and there. Biopsies are more invasive than an ultrasound but you will know for sure if a lump is cancerous or benign without waiting months. I bet I don’t have to say which option I chose.

The radiologist performed a fine needle aspiration biopsy. He numbed my breast with a shot of lidocaine – the same anesthetic that dentists use to numb your gums. With the technician showing the way with the ultrasound machine, the radiologist pierced my skin and navigated the needle to the lump. The needle draws out either fluid or pieces of the lump depending on what the lump is made out of. I had wanted to watch the procedure itself to see what ended up in the needle barrel but given my awkward position and the needle angle I couldn’t see it. I did the next best thing and watched the procedure on the monitor. After three aspirations with the needle the procedure was finished. I asked how long the results would take and they told me 2-3 days.

I went home and the waiting period began. I found an article from the New York Times that said that the anxiety of waiting for biopsy results appears to affect stress hormone levels just as much as finding out you have cancer does. I believe it. The stress broke me down.

Two days passed. Three days passed. Four, then five days passed. I received a telephone call – the person close to me was going to be just fine. A large portion of the weight on my shoulders was lifted as I soaked in the good news. The last thing to know about was the result of my biopsy. Six days passed. Finally, a week after my biopsy I heard the results: benign. That single word was what I wanted to hear. I started balling. It wasn’t because I was overjoyed and it definitely wasn’t because I was sad. I had been under so much stress the past few months and kept most of it in. I felt it was finally time to cry buckets and I did. I let it all out.

So now we are at the present day. It’s been only a few days since hearing the benign word. I think it’s a funny looking word, but it’s oh so beautiful. This weekend I will be digging back into our finances again since they have been put on the back burner. It’s also time to start our taxes to see where we stand with those this year. The next update will be lighter fare (I certainly hope!) and related to finances.

Till next time…

Posted by Tricia on February 27, 2010 at 12:21 AM in Life After Credit Card Debt | 23 Comments »
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New Credit Card Regulations? No Reason to Rejoice.

I was excited to hear about the Credit Card Accountability Responsibility and Disclosure Act of 2009. I thought it would finally give people trying to reduce debt, a real chance at making headway.

Silly optimistic me.

NBC reports new ways credit card companies can sneakily get around the rules and find ways to make paying off debt more difficult.

It’s up to us to keep up with the game.

Read the article here: http://www.nbclosangeles.com/news/business/ConsumerMan__Have_a_credit_card__Read_this-85107382.html

Posted by Beks on February 26, 2010 at 10:00 AM in Credit Cards | 5 Comments »
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The Power of Less

On the first of every month, our library lists the newly acquired reading materials on their website. Thanks to my two hour long daily commute on public transit, I read two to three books a week. Our library is small. The pickings are slim. I’ve read almost every audio book they have.

In desperation for new reading material, I picked up ‘The Power of Less’ by Leo Babauta.

I nearly stopped reading by the end of the first chapter. The author talked about being a marathoner, a father of 6 children, an author of many books, a man with two jobs, a healthy eater, and a perfectly organized person. For someone who can hardly be trusted to make my bed in the morning, this seemed a bit out of my league.

But I struggled through the first few chapters and actually started to enjoy it. He shared some helpful tips on simplifying life. He suggests starting VERY slowly. Exercise 5 minutes a day, or de-clutter one drawer of the hideous mess you like to call a home office. As I listened to the book, I wanted to go home and clean out a drawer and trust me…

I never get excited about cleaning out office drawers – especially when Grey’s Anatomy is on.

While he doesn’t talk about reducing debt, I appreciated his suggestions on how to spend less. When it comes to getting money under control, he suggests placing any non-necessity purchases on a list and waiting 30 days to buy it. If I did this only 1 out of every 5 times I went to Target, I’d be in a better place.

This is the kind of book I will re-read in a few months. The author is fabulously motivational and if all I get out of it is a cleaned desk drawer, I still come out ahead. It’s a quick read and I’d recommend it.

Posted by Beks on February 24, 2010 at 9:46 PM in Book Reviews | 16 Comments »
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Family vs. Finances

My husband and I have been debating a big financial decision for a few months now. Some of my family is heading to Ireland and Italy in October and this will likely be the last and only trip we make together.

The cost of the trip?

$3,000 each.

I could say no but… I have decided to go.

Our tax refund covers the entire expense so we won’t fall behind on our debt free date.

I’m sorry to disappoint you, and I’m sure I have, but this is an opportunity I can’t turn down. Spending time with my family discovering our history across the sea, walking the same steps our grandfathers did, is important to me.

Posted by Beks on February 23, 2010 at 5:00 AM in Confessions | 67 Comments »
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Another Trip to the Hospital…

I’m not recovering from being sick as quickly as I need to be. My doctor called me last week to check in and asked how things were going – then asked me to come in.

Without getting into specifics, I’m having problems with my lungs and there is permanent damage. I would ignore the problem but since breathing is somewhat important to survival, I have to take care of it. I informed my husband that the side effects from the medications were pretty serious including shaking, high anxiety, excessive hunger, moodiness, and inability to sleep. He responded, ‘How is that different from normal?’

I told him that if his body should mysteriously go missing, no female judge in the world would convict me.

This has blown a bit of a hole in our budget. The medications and co-payments have been expensive.

But there is good news! My doctor thinks my problems may ease over the summer months. Cheers to summer! It can’t get here fast enough can it?

Posted by Beks on February 22, 2010 at 5:00 AM in health | 8 Comments »
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Employment Confidence…

I was preparing for a community outreach event for my work and had compiled a stack of materials to distribute. Some of the other departments have fancy rolling carts or plastic boxes but since our department only participates in these types of events four times a year, I put everything in a cardboard moving box.

File Box

As I waited for the elevator while holding my cardboard box, the manager of HR walked up and asked if I was leaving.

‘Yup, I’m out of here!’ I said with a smile.

She put her hand on my arm and said, ‘Is there something I can do? Did something happen?’

Then it hit me. She thought I was quitting.

‘Oh, no. This is for an outreach tomorrow.’ I said laughing.

‘Oh my God. Don’t ever scare me like that again.’ She said placing her hand to her chest.

As I caught the elevator down, I couldn’t help but smile. In these uncertain times, I’ll sleep well tonight. It’s good to feel valued.

Posted by Beks on February 18, 2010 at 11:41 PM in unemployment, work | 8 Comments »
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Winning the Financial Fight…

Since this week appears to be photo week…

I was watching my brother’s Rhodesian Ridgeback puppy, Dozer, last night and was amused to see him play wrestle with my sturdy Boston Terrier, Hutch.

When my brother bought the dog a few weeks ago, Dozer and Hutch were the same size. They would tussle in the backyard and Hutch, skilled in doggie play, would pin Dozer fairly quickly. Last night, things changed…

Dozer put on a good 5 – 10 pounds of solid mass over the last few weeks. Maybe he started doing pushups when no one was looking… or maybe he’s heading to the 120 pound size of his father a little more quickly than we thought.

As they played tug of war over a stuffed dog toy last night, Dozer, who had never ‘won’ before, was able to drag Hutch across the room. His growth had made him far more powerful.

Dozer, surprised at his strength, wagged his little tail with glee.

tug of war

I couldn’t help but relate this to our tug of war with our debt. Our inexperience and lack of strength made us continually lose the battle. As we grow and learn, we win more battles. We make better decisions and become stronger in our strength to spend less-save more. In the end, I want to be Dozer. Sure I lost a lot of ground in my youth… but I’m not young and stupid anymore.

I will win… eventually.

(And for the animal lovers out there – I count myself as one – please note, the dogs play wrestle together. They do not fight or cause injury to each other. They are buddies and sleep in the same bed. Just thought I’d throw that out there)

Posted by Beks on February 17, 2010 at 12:30 PM in General Debt | 6 Comments »
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