I really realte to this article, How I Afford to Stay Home, that I recently found on Kveller.com. Minus the baby and twice monthly grocery trips (I go once or twice a week, and to regular grocers), paying attention to our spending, and keeping everything within a budget, it works.
What is frustrating me to no end lately is that my little paychecks have only been enough to just barely pay off my monthly credit card bill. All of my medical fees are being payed through my visa so that they’ll earn us a vacation some day.
Have I mentioned that I’m injured? Yeah… On March 4th, my left arm would have dislocated but for the fact that I’m hyper-ligmented. Yes, my uber-flexibility finally came in handy! I got 5 sprains, 3 of which were level two and the others only level one. Thankfully no tears or rotator cuff damage, just pectoral, deltoid, intercostal, super scapular, and trapezius strains. Ouch.
I saw a doctor the next day, when I realized that I couldn’t put my own bra on, reach behind me to pull the seatbelt down, or type without discomfort. I’ve been seeing a chiropractor/massage therapist since the accident and started seeing a physical therapist while home for Passover and just started with a new one here in Boulder. I’m also now seeing a medical massage therapist and weaning myself off the chiropractics (it feels good, but isn’t necessary).
Catastrophe insurance IS cheaper, and still will be in the long run, but it sucks to have to pay all of this out of pocket to see it all counting towards my $5k deductible. I’d rather pay $150/month and <$1000 out of pocket for treatments than >$300/month to the insurance company ad infinitum.