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Posts tagged with: raising kids

Tips for Dealing with Medical Bills

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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…


Summer Camp

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I realize that my stubbornness regarding the kids’ summer camp is rubbing some people the wrong way. I also realize that I am spending a great deal of money on their summer camp. In fact, the amount I am spending is probably more than I’ve spent on their weekly summer camps for the last 5 or 6 years combined. I am aware of this. I own this decision. And as much as I would like to put the money towards something else, my kids will always come first.

Summer Camp Reasoning

With that being said, and all the comments I’ve gotten each post, I felt like sharing my thoughts and reasoning was necessary. I’m sorry if you do not agree with this choice, but this is one choice I am not willing to reconsider.

  • The kids will be 13 and 14 next year. It will most likely be their last year going to summer camp. They will both be old enough to get part time jobs the following year, and will want to (they already want to.)
  • They are REALLY isolated in this tiny town. As much I attempt to get them out and involved, it’s just a completely different world here. These weeks are camp at are a needed respite from that isolation. And they LOVED this camp this past summer.
  • Although I have been attempting to hire someone to help facilitate getting them out and about, even just to volunteer opportunities, well, I haven’t had any luck. The summer is worse since their brother will be gone again. They understand that this camp commitment will replace any chance of me hiring someone, and they are in agreement.
  • They shoot guns, ride horses, jump off huge platforms onto blobs in the lake, play nightly games, go camping and so much more that they have never done before. Some I’ve never done before. I want these experiences for them. I never got to go to summer camp. I want this for my kids. I can’t give them everything I want to give them, but I can give them this. This is in my grasp now.
  • And probably the most selfish reason of all, but with this camp, I get TWO WHOLE WEEKS of me time. As a single mom, this is just a breathe of fresh air. Two weeks where I don’t have to drive anyone anywhere, feed anyone, answer calls about drama at home and so on. Unless you have walked in my shoes, don’t judge. I don’t EVER get a break, NEVER.

This is my justification, excuse, whatever you want to call it for the camp commitment. I know it is delaying my debt free life a little while. But I also know I won’t get this time back with my kids, they won’t get time in their life back.

I can’t be the only one with a hold out in their “minimizing budget.” Do you have an item in your budget that others would question? What is your Achilles heal when it comes to your money choices? Obviously mine is my kids and their activities.