Originally Posted by newmainer
The health insurance didn't pan out. It would be like a grand a month. no way. so, in the end, we pay all of our doctor's visits, midwives etc... but by the time you figure deductibles and all that, there's no saving money with a more expensive plan that pays preventative care.
dh has a chunk of money coming in soon. we talked about sending a huge chunk to the remaining card but i think instead we're going to have a buffer. With dh being self-employed, he gets paid totally erratically. i feel like we are always getting to 0 in our checking account and waiting for a check to come in. so, this will help us to stop that yo-yo. and save overdraft charges (we just had over $100 in overdraft... yikes!!)
Sorry to hear that Dirigo didn't work out for you. Both dh & I are self employed and we have a crappy policy through Anthem, it has a high deductible and is somewhat limited in what it covers. Anyway I remember when Dirigo was being announced and I thought we could look at it, I think we were quoted over a grand a month.
: . My current plan pays all my prenatal with my midwfe but won't cover the delivery however the birthing center I am using has a reasonable payment plan.
I swear sometimes being self employed is either feast or famine.
Well I have quite a bit of debt, 90K in student loans and over 20K in credit cards. Most of the creadit card debt accrued when dh lost his high paying gig with a large firm and was unemployed for 6 mos, when he took a job it was less than he used to make. Less than a year later we moved to Maine where salaries were nowhere near what they are in Chicago, so over the course of 4 years I would say our income has gone down by about 30K. So that created a situation where we have just enough money to live off of. Then there is the added burden of we owe the IRS 20K because dh has been self employed almost 3 years and at first we didn't pay our taxes because if the choice was basic living costs and setting aside 25% to the IRS, you know who won. Well we are on a payment plan for the IRS now which is kicking our butts because this winter the IRS and our heating bills alone are almost 1K a month.
Doesn't help that the long term consulting gig I was at ended abruptly in December and I am now 4 mos pregnant so even though I want to take on a job, its just not feasible. I do earn a little freelance writing but nothing serious.
My overall feelings about my debt is I will deal with it at some point. We have been fortunate that with dh being a freelance writer/editor he earns enough to carry us, its just that past debt from the income loss is still hanging over me. (these cards are just in my name) I figure that once the baby comes and is at least 6 mos, I will start actively looking for work doing some adjunct teaching at a community college so I can start working myslf out from under the mountain of debt. Though in the short run as long as monthly living bills and the IRS are paid, I can live. (note: the IRS is not someone you want to owe money to, they can do all sorts of nasty things to get there money unlike regular creditors who are mostly bluffing)
Ah, it felt nice to open up about my debt.