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And there goes the EF…


I mentioned in one of my recent posts that I had to travel a good deal last week. Little could I have predicted what that would lead too.

As I returned home last Sunday, I was involved in a wreck, rear ending the car in front of me. I left the scene questioning God as to why me?

Tow hitches, even when barely hit, cause a lot of damage!

Not 10 miles down the road, I encountered the devastation of the tornadoes that ran rampant through Alabama. If I had not had that wreck, I would most certainly have been in the middle of the storm that killed so many.

This was an airport just a few minutes before I drove up.

As it was my 5 hour trip home, took me 8 hours due to downed power lines, jet fuel on the highway closing it down and having to feel my way through the back roads. But I am grateful. So many people lost everything, even their lives and their loved ones during these storms.

While I was out of town, I was notified that my Grandmother had been admitted to the hospital. So I stopped at the hospital on my way home from my trip and ended up spending a couple of nights there with her. She is fine, back home now. But it was a scary time.

It has been a tough week. I even gave myself a mental health day on Wednesday just to catch up on my sleep and de-stress a bit. I am so glad it is Friday and I have no big plans this weekend. And then I realized that we lose an hour of sleep this weekend as the time changes. Come on!

I hope your week has been better than mine. But through all of this, I am grateful for full coverage insurance on my car, an EF to cover my deductible and kids who are responsible enough to handle things at home when I have to be away.

I promise to get on top of my finance review and plan next week!


Tips for Dealing with Medical Bills


Thank you so much for all the well thought out advice regarding the sale of our house. I really haven’t put much thought into it because I do know that 1) I’m not on solid ground financially YET and 2) you are right, I am pretty sure that I do not want to live in this tiny town after Princess graduates.

All your notes were really appreciated. Especially since…someday…I want to have my own home.

But moving on…

We have started receiving the bills for Sea Cadet’s hospital stay. So far, the total is right around $3,100.

So today, I come to you to ask for any advice on calling medical bills…

  1. Has anyone had any luck negotiating the total down when you can’t pay in full right away?
  2. I know we will be able to get him started on a payment plan.
  3. Any other tips for when we call, rather he calls?

We are going to wait another week in hopes that they will all have arrived, and then make a plan. I don’t want him to commit to multiple payment plans that run the total payment too high for him. Any tips for how to approach these phone call are greatly appreciated!

The good news is that he has already committed to his next step after he completes his Advanced EMT schooling. He will have full insurance coverage come August! More on that down the road…