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Double Payment + Cancelled Health Insurance + Missing Income = Thank Goodness for Emergency Fund

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April and May were awesome months. June…not so awesome. A series of events has left me very grateful for our emergency fund. I’m not happy to have to pull from it, but it has to be done.

First of all, our health insurance company didn’t receive our bill payment from our bank. It is no where to be found. Our bank was nice when they called me about what to do. We issued a stop payment on that check and the money was refunded into our account. They told me they would issue another check on Friday.

Friday came and went and I didn’t see a check going out. I thought maybe it was just a delay with showing online. I checked Monday…nothing. Then Tuesday…nothing. Today, I sent out a check myself. A little bit later, I see that the bank sent out a payment today. I knew the double payment could happen but my husband needs to go back to the doctors shortly. We need our insurance reinstated.

Secondly, there are the medical bills and prescriptions that we had to pay out of pocket because our insurance has been cancelled due to non-payment. That was a little unexpected, but we had enough around to cover that.

Lastly, a trusted advertiser on here has not paid me and they are not answering my emails. If you notice an advertiser on here disappear shortly – you’ll know why. I understand if my check was lost in the mail – it happens. I don’t understand why my emails have not been replied to. That concerns me.

That brings me to our savings account. Thank goodness it is there. I pulled out $500 to cover the double insurance payment and to help cover any future medical bills until our health insurance is reinstated. I didn’t really want to touch it, but there isn’t much else we can do at this point.

It will be very interesting to see how June plays out.

Do We Really Need All of Those Gadgets?

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On my post about the slicer/dicer yesterday, MeganM left a comment:

I think 99% of gadget-type purchases can be eliminated. No one needs a slicer when a plain old knife will do just fine for sandwich meat.

I think MeganM is absolutely right. I’m mentally going through my kitchen right now and we have a cute little frog cheese slicer. I remember buying that on clearance because I thought it was cute. Too bad it’s so small that it isn’t big enough to slice most blocks of cheese. Then there’s the chicken egg slicer. It was cute, and I thought we needed an egg slicer. I use it a few times a year, but a fork worked well in the past. We didn’t really need it.

Let’s not even start talking about gadget appliances. We have a waffle maker. I think we’ve used it twice in the three years we’ve had it. Oh, and the sandwich maker? We barely use that thing as well. I could go on for a while with the other things we have purchased throughout our life that could be considered gadgets.

We didn’t really need them. We barely use them!

It’s funny…at the time, we thought these gadgets would be great things to have. We’ll use them all the time! You can do so much with them! They’ll make life so much easier! Not really. They just ended up costing us money that we really didn’t need to spend.

At our last garage sale, I tried to get rid of a few of the gadgets we had and they didn’t sell even though the price was dirt cheap. I guess that should say something LOL 😛

What about you? Have any gadgets that are collecting dust?