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How’d We Do on Healthcare?


It’s the time of year we all step back and look at open enrollment options for healthcare.  We made the big decision to flip from a very safe HMO to a somewhat financially risky HSA last year.  You can see the post HERE.  I also included a helpful video in that post that outlines the basics of an HSA.  HSA’s are great but can be potentially risky financially if you have a big health emergency.  It’s a high deductible plan and if you don’t have the money, you run the risk of accruing debt.  If my family of 6 accumulated more than $3K in healthcare costs, it would come straight from our emergency fund.  Fortunately, HSA’s have a maximum out of pocket and we have more in our emergency fund than the maximum out of pocket so we decided it was a risk we were willing to take.

So how much did we accumulate in healthcare costs from the hospital?  $200. Yup.  That was it.  And we cash flowed it.  Buuuuuut…we did end up pulling $600 out of the HSA account.  Nope, not from a trip to the hospital.  Ugh.  My dental bills will always be the death of us.  I needed a root canal and a crown.  We now have roughly $2,400 in our HSA investment account we get to roll to next year.

And did I mention that money is invested and we’re EARNING INTEREST!?  Rock on HSA!

My husband and I sat down to look at our medical spending and run the risk analysis again for this year.  Our risk is even lower this year with the $2,400 we are rolling forward so it makes the most sense to stick with the HSA for another year.

I know it’s easy to ignore your health insurance options.  No one enjoys sifting through boring and somewhat confusing information but I encourage you to look into these choices as a possible way to save money next year.  Are you really in the best plan?  Could you do better?  Take a moment (ugh, or a few hours/days) and research your options.

No More Long Distance?


I met my boyfriend online almost 3 years ago. We met through a dating app a couple of months after I decided to dip my toe back in the dating pool after almost 13 years. Dating sure had changed a bit. And for an introvert, I did not like it.

But, frankly, as much as I disliked the online dating app world, I appreciated it even more. As an introvert, non-drinker, socially awkward person…meeting people in person, well, it doesn’t happen. I mean, I only met my best friends because of the kids activities. And now that the kids are older, I don’t even have access to that social circle anymore.

But I will tell you, God knew what He was doing and what I needed…

3 Years of Long Distance

Because of my disastrous marriage and the challenges of introducing someone into my kids lives (whether those challenges be real or perceived,) dating was not something I was ever tempted by. But after moving here to this tiny town, being even more isolated, and the kids being older, I made a conscious choice to begin dating again.

To be honest, I was not anticipating or looking for love. I hoped to find fun and companionship. And frankly, I wasn’t sure I would ever bring someone around my kids.

But here we are 3 years later, and I am definitely in love, feel very known and seen and I am anticipating a phone call this afternoon telling me if his move to Georgia is on. Meaning…he may be moving here this month. No more long distance! He’s packed and ready, but has some life things that must be dealt with (his business.)

We have spent 3 years with few in person visits, but daily phone calls, letter writing, video chats and more. Taking the physical out of the equation has really been good for me. Really, let me ease into this. And while he will tell you that he knew this was it for him after the first several months, I was ALOT slower. And being so “virtual” gave me the confidence to be very open and honest, well, about everything. Like, he knows EVERYTHING!

Two Different Places

His kids are grown and independent. His family lives all over the place. And while he’s dated consistently, he hasn’t settled down in a long time. He has one ex-wife. Stable, confident and moving into his next phase of life. Oh, and he’s debt free. (And he is super excited to get a chance to be part of my kids lives, as much as they will let him.)

While you all know, I’m pretty much the opposite. I’m really excited to see what’s next for us. And praying that he calls this afternoon with a “I’m moving to Georgia now!” (If it’s not now, it’s later…but I think we are both ready for now.)

For now, this won’t affect me financially. We are now and will remain completely autonomous financially. And we have no plans to change that as long as I am supporting my kids…so another 3-7 years probably. I’m sure as our relationship evolves that will change a bit, but I have been very clear that being autonomous is very important to me. I don’t ever want to be as dependent on someone else as I was with my ex-husband.

And whether my fears are rational or not, he supports that. I am definitely a handful, but he seems happy to just ease into things and honors my need to feel secure in and of myself.


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