Normally we don’t complain or share the financial situation with others but I am pretty sick of hearing about how “lucky we are” from people who THINK we are living the high life. I am not going to rant on and on about this though…
We’ve got less than 3 months to save up the $4000 to pay for Tater’s birth. Combine that with the double rent we are paying in April and the $4300 we just put down on our new place and we’ve got nothing left in the bank account. Certain non-essential bills aren’t getting paid on time this month and sometimes I wonder exactly where we are going to find the money to finish paying for Tater’s birth.
You see, things were all worked out several months ago budget wise. We wouldn’t have committed to forking over thousands of dollars upon move in for the new place if we knew about all the unforseeable crap in the future!
We found out the useless prenatal care with the OBGYN is NOT 100% covered by our insurance. Also, the chiropractor that was supposedly covered 100% by insurance is actually not covered at all. It was covered back in 2008 by our policy but now that a new year has started the policy now provides LESS coverage and we missed the memo on this.
The unexpected medical expenses have pretty much tapped us out and quite frankly I am pissed. If I knew we were racking up all these expenses that insurance wasnt going to cover I surely would have thought twice about going to the OBGYN and the chiropractor. Heck we would have kicked the OBGYN to the curb long ago.
Now we are getting these bills and claim letters from the insurance company that we are having to find the money for which pretty much throws our entire budget off. Instead of focusing on how bad things suck I am trying to focus on how we can cut back and get through this.
We’re prioritizing things and are not spending any money right now. Every cent we have goes to a bill of some sort. When we have a few dollars left we look at the grocery ads and try to find the best deal on meats and other essentials. Thank goodness we normally buy things in bulk. This means we have plenty of dry goods like pasta and vegetables to live off of!
The only problem is finding the money for Tater’s birth and for all the baby stuff we’ll need once she arrives. My mom joked that she can sleep in a dresser drawer if she needs too for a while… Ugh, not funny at all.
So, I am trying to keep the anxiety at bay and am always looking for more and more ways to cut back and save money… So what are you doing in these hard times to get by? Please share your secrets!