Blogging Away Debt Our Journeys to a Debt-Free Life

by Tricia

My home repair for sure will be done next week and that will cost $900. I will have the money to cover that. Now, when our health insurance is accepted we will have to pay two months in advance (~$700) and I don’t know if we will have the money for it in our checking account.

It’s going to boil down to timing on the health insurance.

If the insurance bill is after the 11th of December, we’re okay. If it’s before, well, we’re up a creek without a paddle. Normally this wouldn’t be so bad because I could send the check a little “late” to buy some more time. But I signed up for auto pay! I love the convenience, but here’s one of the problems with doing it. Part of me hopes that the auto pay will not go into effect for a while and I have to pay with a check. Then I could have some extra time, if needed.

Unfortunately, I didn’t have time to call Blue Cross/Blue Shield to find out more about the auto pay today. I might try Friday, and hopefully they are open.

I’m trying not to think about this too much because I don’t want to stress out about it. Right now, I just want to really think about the things that I am thankful for. When you think about the world and the big picture, this little situation is just a drop in the bucket.

We have each other, our families, our friends, our health, food to eat and a roof over our heads. We have much to be thankful for.

by Tricia

I pretty much gave up with getting our repair to our house done because winter is basically here and no one was returning my calls. I decided that the money would be great to go towards the first two months of our health insurance since we are playing with borrowed time not having coverage.

The phone rang today, and it was the handiman calling. He wanted to know if I still wanted the repair done. Since the other option I had was to rig the repair and hope for the best, of I said yes. But – I no longer have the money set aside for the repair so now we are in a pickle. The repair will run $900.

I haven’t run all of the numbers yet, but I’m pretty sure we can come up with the extra money. It is going to be rough, and I have a feeling we may have to use the credit cards just to get through Christmas. I’m not 100% on that yet, so there is still hope. There’s also hope for some sort of a bonus which would be a checkbook saver right now.

Anyways, time to crunch some numbers…