Wednesday, September 12, 2012

Glass Half Empty

The title is a warning. Don't read this.

We all have our magic numbers that make us comfortable or uncomfortable in our bank accounts.  As responsible adults and citizens we did not run up massive debts and we watched our numbers.

We denied ourselves when everyone around us drove two new cars and had nice homes.  Our kids had a quarter of the toys and activities of the other kids. Our clothes lasted years instead of seasons.

And we looked to the future and how to take care of ourselves when we were no longer young enough to work.

Then there was no job.

And the last 10 months we've been conservative. Not scary conservative....more like a confident conservative.

We should have been scared.

So now here it is September and the bank has hit the half empty number.  The number I am not comfortable with. The number that makes me grouchy.  The number that makes me downright hate life. The number that makes me want to stay in bed all day every day.

Of course we just got the notice in the mail telling us how much our free insurance is going up. I won't be able to pay it. So we will be bumped down to the other free insurance. The one you pay a percentage of the allowable but no yearly. Except none of the good doctors here will take that insurance. And is getting $8 back on a $120 bill worth the 6 months it will take me to get it paid by filing myself? I will spend that in postage and phone calls. So, this family with free insurance will not see any doctors unless its in an ER and we feel its life and death. Because we can't pay. But hey, we won't be taxed since technically we will have insurance.....whether we can afford to use it or not. At least we will dodge that lovely healthcare tax. And I feel for those that won't.

We are looking again for ways to cut expenses. We do have some fluff we can work with. Not much but some. How I wish we had never bought a new car two years ago. That is literally enough money to cover groceries and a portion of gas needs for the car. Plus insurance would be cheaper. We need to cut the housing cost. We need to do it by Christmas. How I hate the thought of moving into an unsafe area but its got to be done.

Because I've got to tell you, pissing away our retirement money is painful. It was painful to save and now its painful to spend. On groceries and gas and the necessities.  Totally sucks.

I think I'm done spewing for now. If you were crazy enough to actually read this (I did warn you) you will know better next time. LOL!  

1 comment:

  1. We're still waiting for you to come stay with us. Hearts and home open... put your stuff in storage...cheaper than rent. Stay here with us for free. Safe and secure. TDW