Skip to main content

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 emergency fund, I'd be bankrupt and moving back in with my parents. Folks, it's absolutely worth it to scrimp and save and eat at home and make your own coffee and opt for movie nights instead of big dinners out in order to not have a major panic attack when the unexpected hits.

I never used to plan for medical "events" to happen until I had two in one year. And one of them cost me $2K out of my own pocket. I plan a bit better now so that I am more prepared when the unexpected comes. Oh and it will come. You are not exempt. I thought I was and it cost me so much money.

Comments

Popular posts from this blog

Staycation - RDU Style

If you know me, you know that I only use my PTO for adventures outside of the state I live in. This past week, however, the stress became too much to handle and decided last minute to take Friday off for mental health. And with my day off, I visited some places I've been wanting to go for quite some time. 1) My day started with a pick me up movie known as "Mamma Mia." The good laughs started out the day on a happy note. 2) After the movie, I headed outdoors to take a walk. My apartment complex is large enough to get a good 30 - 45 minute walk in and I was even able to check my mail on the way back. 3) Some of my DVDs were due back at the library so that was my first stop. I love having a library that rents out movies. It costs me nothing and if I am proactive, they will already have the movies in the hold section for me to pick up. 4) From there, I head to True Flavors Diner & Catering . I sat at the countertop bar that overlooked the kitchen. And since yo...

Lipstick and Scarves

I've never liked wearing lipstick. Because the minute you drink or eat something, you have to reapply. So it's just makes sense to me to not waste my money on it. But I always looked so much more put together when wearing lipstick. There had to be an alternative right? Enter Lipsense ! When Emily added me to her group, I thought there's no way a lipstick exists that actually stays on. Reluctantly, I tried it and guess what y'all?! It stays on through my breakfast, coffee, excessive water drinking and eating. I'm so in love and I feel so much more confident. In this picture, I got brave and mixed colors. It's two layers of Roseberry, one layer of Pink Champagne with glossy gloss! I look hot and felt like it too! Let's also talk about this scarf! I made it! When I was in DC a few weeks ago, I met up with Amanda and she took me to her favorite yarn shoppe, Fibre Space . Yarn for days but I found this gorgeous skein ( Yowza by Miss Babs ) and had to have it...

Money Matters - June

Welcome to the new 1st Monday of the month blog series where I discuss money from the previous month. I'll talk about good purchases, regrettable purchases, how much I was able to pay down in debt (if any) and other money talk. Join me on the ride! June was a slightly expensive month and I knew it would be so I put money away. I moved in June and spent $100 on that. I also did not own several important things needed for living so I had to purchase those (about $100). My close friend came into town and helped me decorate (she is so good at it. Definitely could be an interior designer). I absolutely love the way she took my decor and needed to buy some things (about $250). I was also asked to go to Chicago the first weekend in October and the thought of spending money stressed me out. I knew I was going to choose to go, just wasn't yet ready to pay for it. That's when I remembered my Delta SkyMiles ! I absolutely love Delta. My favorite airline and I got a huge mileage bo...