The Common Factor of All Divorces? Marriage.

I kid! Kinda... Anyway, I have three weddings coming up between now and the end of 2010.

  • November 2009 (the day after Thanksgiving, btw) that I just got the invitation for from a former co-worker that would be out of town.

  • April 2010 for a cousin that I hadn't spoken to in years, but is nice and came by the house a few times when my dad was sick. This would be in town, no invitations yet.

  • September 2010 (Labor Day weekend) for an out-of-town cousin that I'm quite fond of. No invitations sent for this one yet either, but that didn't stop them from announcing their engagement in September of 2008. :::groan:::

While I'd like to attend all three weddings, I am only going to attend the two in 2010. The first and most important reason being that this will be the first Thanksgiving without my father and I want to be home with my mother. Actually, nothing else needs to be said after that. This coworker is a wonderful person and I'm truly happy she found a partner worthy of all she has to give. So I'd like to participate in their celebration by sending a gift even though I will not witness to the ceremony.

Decision Made: I'm Having a Hysterectomy

If I laid down right now and put your hand on my abdomen, you would feel a hard, massive lump that extends from the middle of my pelvis, to near the end of my right hip, and up to my navel. At the risk of sounding crude: That shit can't be right, and has to go. I appreciate all the information available about alternatives to hysterectomy, however after a lot of research and thought I've decided to proceed with an abdominal hysterectomy. That's the old-school procedure of going through the abdomen instead of the vagina or laproscopically (where they make a few tiny incisions with a robot, magic happens, then no more uterus). The main reason I'm going abdominally is because I have to. My uterus/fibroids are just too big. Also, because it's concentrated on one side the doctor needs as much room to see what they are doing. Another benefit is that they will be able to clearly see my ovaries and make sure they are healthy. That is a huge concern for me because right now, no one can see them because they are blocked by my lumpy uterus. ::frowny face:::

In between crying jags from fears of dying on the table to being in crazy amounts of pain after the procedure, I've managed to get a few things done to prepare myself financially (is it really possible when it comes the the health care industry?) for this surgery:

  • Applying for short-term disability benefits from my employer. I will need 6 weeks to recover from this procedure. After a waiting period for approval, I will be covered for up to 7 weeks at 100% of my salary.

  • Pre-certified/pre-notified my insurance provider. I called them yesterday to let them know I'm having this done.

  • Verified my coverage. While I was on the phone with them, I learned that my out-of-pocket maximum is $1,500 for any health care (not including copays) I receive this year. Remember that $411 I paid for my CPAP machine? That comes out of my $1,500. If my insurance approves all charges associated with this procedure, I shouldn't have to pay more than $1,289 ($1,089 that's left in my out-of-pocket maximum + $200 copay for inpatient hospital admission). Considering that hospital stays alone for abdominal hysterectomies can reach up to $50,000, I'll be absolutely thrilled to just pay $1,200 bucks which would come out of my Health Care Deductible fund.

But there's still more I have to do, which I really don't want to. I need come up with three documents before I check into the hospital:

  • Power of attorney for health care;

  • Power of attorney for finances; and

  • A living will.

I know these things are important and always meant to "get around to it" however I can't avoid it anymore because of silly, illogical fear that I might be, somehow, tempting the hand of fate. :) Anyway, that will be my duty over the next couple of weeks. To draw up and notarize these documents. I'm thinking of going to my state's website where they offer temples for these forms, altering them for my needs. I don't own property or have dependents, so I don't see the need to spend hundreds with a lawyer just yet. I'm interested to hear from anyone who thinks otherwise.

So that's what I'm up to. Making sure I'm prepared (as much as one can be) emotionally, physically, and financially for this surgery.




June 2009 Net Worth

I'm still a hundred-thousandaire! Like it matters, pfft. Anyway, even after my vacation and paying the copay on my CPAP my total net worth only took a slight dip. My investments lost $72, hardly an amount for concern these days!

So it seems that everything is in order.

Chase Increased My Interest Rate By 7%

I got a note yesterday saying that starting immediately, the interest on my Chase Visa will be going from 6.24% to 13.24%. Wow, this is what an 800+ credit score will get you these days, eh? I don't carry a balance, so this is a total "whateves" for me. However it is a reminder that I don't ever want to carry a balance, on any card, ever again. I'll have to remain diligent to make sure that doesn't happen.

Fun tidbit: When I had huge debt on this card ($13,000 a few years ago) the interest rate was 15% to 17%. I could only imagine how I'd feel if this spike in rates happened back then.

I have a lot of sympathy for people trying to get out of credit card debt right now.

Back from Vacation

Greetings! The BF and I went on a week-long vacation to visit some friends. I have to tell you, it was one of the first times I'd ever been on vacation and was able to completely detach myself from work.

When we got home last night, I was able to get online and pay off the credit card for everything I spent on this trip. Reason #50-11 why saving for you vacation before going is a good idea. Another good idea? Paying all your bills ahead of your vacation. I had one bill that would have been due close to when I returned. Rather than risk a late fee, I just paid the bill early. All I had to do when I got back was pay my credit card in full for what I charged on vacation, and add $1,165 to my Used Car Fund. :)

SURPRISE!

I got a CPAP machine a couple months ago when I was diagnosed with sleep apnea. My insurance covered 80%, so now I'm left with $457 for a machine that is not working all that great for me. :::sigh::: I have a few things that I am going to do:

  • There is a little card inside the CPAP machine that gives info on how I'm using it. I have an appointment with a sleep specialist to get the results. I'm interested to see what that card says before I pay for this machine. I'm going to request an itemized bill from the medical equipment company. According to the claim I saw online from my insurance provider, they charged them for 6 items. I think I have an idea of what those items might be however I want them to list them out for me before I agree to pay for it. It could be they are charging for something I never got.
  • I need to do all of this soon. A note on the invoice from the medical equipment company says that if I pay the bill within 30 days, I will get 10% of the amount ($45.74) along with a one-year extended warranty. I will have to inquire about what the warranty is on. Hopefully they're talking about everything they are charging me for.

This bill was a complete surprise. I wasn't expecting to pay anything at all for this machine, however that's my fault for not truly understanding what my coverage is. After a review it does say that I am covered up to 80% for medical equipment. Sucks, but not having the money to pay would suck even worse so I'm glad that I have a Health Care Deductible Fund that is completely separate from my Unemployment and Emergency Funds to pull the money from. Still though? It kinda sucks monkey nuts.

Going back to looking for the learning here, I should view this as preparation for when I have my hysterectomy. I can only imagine the amount of diligence...and money out of my pocket...that it is going to require. You'll forgive me if I'm less enthused about going through with this surgery.

Unemployment Fund...Fully Funded!

It's official. I know have $20,000 set aside should I find myself unemployed. This amount will cover me for:

  • Almost 2 years at my current expense level, including COBRA coverage.
  • 10 months based on estimated expenses once BF and I start living together, including COBRA coverage.

I'd like to add another $5,000 to this bring me to a whole year of coverage and hedge a bit against inflation. But for now, I'm glad that this is set aside.

Onward to the car fund!