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Showing posts from June, 2017

On the Planning for the Unexpected

Last week was your average week. Work was normal. I got to go on some errands for my sales people which is always nice to leave the office for a bit. Nothing super exciting was happening but I was happy nonetheless. Until about 3am Friday morning when I was woken up with stabbing pains coursing through my stomach. And it lasted for hours. Instead of going to work when my alarm went off, I went to urgent care. And urgent care sent me to the ER. Where I was for the remainder of the day being rehydrated. Gracious, I don't even want to see the medical bills from this. But I'm also slightly curious about how much one bag of IV fluids cost! I can guarantee you my deductible was met and then co-insurance kicks in at whopping 40%. 40%! Enough to make someone bankrupt in one ER visit. How I wish our medical system didn't cost so much. My inner personal financeur kicks in right about now giving myself a good pat on the back. Because if it wasn't for my HSA account and emerg

A Financial Luxury No One Talks About

Last weekend I moved into an apartment that more than doubled what I was paying in rent. To be honest, I had a really good deal and unfortunately had to give it up. I'm *almost* living paycheck to paycheck. By *almost* I mean I have to be very careful about any extra spending.  One thing not in my budget: internet connection. Call me crazy but let me just tell you something: internet is not a necessity, it is a luxury. It is not necessary to put yourself through such financial strain. Much of the first world, however, cannot fathom living without an internet connection or *gasp* Netflix. Though many people in the US and other countries cannot afford such a luxury when they are struggling to eat each day.  Instead of getting lost in the world wide web and Netflix, there are so many other things to do. Read books (that you check out from the library of course). Go outside for a walk or hike. Connect with friends and family. Have a dinner party. Host game night. Rest. Enjoy the