post #81 of 143
9/24/07 at 10:40am
I called king's gym about canceling. They said I had to be physically unable to exercise or live 50 miles away. They said they normally don't allow buy outs but he said he'd talk to the owner and call me back.
I still owe $3800 on the timeshare. I cannot cancel but I can foreclose or sell it.
Canceled dish network
Dh was spending $100 a week on lunch. Now he's taking lunch to work.
We agreed to spend $100-$150 towards our entertainment a month.:2bfbabe:
um well its $12,400
We go out to eat Fri, Sat, and Sun and Dh buys lunch and misc with it. I also shop. So I know we need to stop those things..i was just trying to think of more things to do because I hate owing anyone money. Once we have everything paid off we'll put those cards somewhere and pay cash only. We don't have any savings or health insurance! We always paid with cash but then in December I was offered a few credit cards. Since we had 6 mos interest free we thought we could pay them off easily but we kept using it up till it got really high.
let me take a second to chime in with another "you need health insurance!!"
we live paycheck to paycheck, with no cushion (despite our best efforts)
Earlier this month...my dh had what we thought was a stomach virus for a few days. After one bad night of high fevers and chills, we ended up in the ER. It was his appendix (without any of the classic symptoms) and it had to come out immediately.
No big deal...right? An easy in and out laproscopic surgery.
Well, they somehow managed to nick an artery during the surgery and we almost lost him. He required a second surgery to repair the artery, 12 units of blood, 4 days in the ICU (2 on a ventilator) and 7 days in a regular hospital room.
He will have to be off work for at least a month and have follow up care with numerous doctors. (I will have to be off work also, as I usually work in the evenings while my dh is home to care for the kids)
The bills are already in the hundreds of thousands, and half of them aren't even in yet.
Things are going to be helplessly rough for us...but without health insurance to offset much of the cost, and disability insurance for his time off work (even though it won't even cover the cost of our rent alone) we would be done for.
It's hard enough not knowing what we're going to do right now...I can't imagine wondering about the rest of our future, too. I know that because we have insurance to help us out...we will somehow find our way through to the other side.
if you do nothing else to help your budget...find a way to get insurance.
groceries - don't get prepackaged food. EVER. shop the perimeter, make a menu, get what's in season (use frozen veggies and fruit in the wintertime), bake your own bread and desserts, drink water from the tap if it's safe, don't get soda (goes with prepackaged food, IMO), only get juice as a treat and then the not from concentrate 100% juice kind, etc.