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Plan #3: Medical Bills


I renewed my debt payment plan with a series of small baby steps this fall. My next plan is to tackle some recent medical bills. You can see my first baby steps here:

Plan #1: Pay Off Debt

Plan #2: Change to My Savings

With the new year, I’m ready to implement some new plans, ie baby steps. Over the last few months, I’ve had some “could have been serious” medical issues which results in visits to a Neurologist and then some testing.  While I had some money left in my FSA account for 2017, there wasn’t enough to cover everything.


I chose to max out my FSA again in 2018, which is $2550. Can I use this year’s monies to pay last years bills?

I know I have through March, 2018 to file claims for last year, but can I use money I will be putting in this year to pay for them?  I’ll be calling my FSA provider this week to get the answer for sure, but maybe someone else is dealing with this as well?

The Plan

Once I get the answer to that, I will make a decision about dealing with these medical bills.  I know I can call and get a payment plan with no fees or interest, but frankly, I want to cut back my monthly obligations. I’m hoping I can use this year’s FSA money to pay the approx. $1500 in bills and be done with it.

Dealing with the medical bills is Plan #3 for now.  I’ve got a couple of other things going on that I will bring up over the next couple of weeks.

Minimalism to the extreme!!


i recently came across this video online. It’s about a woman who didn’t want to continue paying exorbitant amounts for rent and/or mortgage, so she started researching tiny houses. That led her to start researching minimalism in general. And, finally, she had this crazy idea to move into a van! A VAN!!

check out the video here

The comments were pretty mixed. Some hailed her as a genius, but others described her as cheap and/or homeless (due to lack of physical address).

In the video, the woman says she had $40k of student loan debt, which she was able to pay off in one year thanks to not having a monthly rent or mortgage bill.

What do you think? How far would you go to become debt-free? What’s the wildesttt/wackiest thing you have done in the pastWe used to DIY our baby wipes when our kids were still in diapers  That was a little “out there.”