Do you ever have those times when your life starts to sprinkle …
… and then it picks up a little more …
… … and then the bottom completely drops out ….?
That’s where I am right now.
I can’t pinpoint when the sprinkles started. I tend to deal with those fairly well. The light rain for me comes when finances begin to get involved. I’m extremely cautious with money. If I’m ever stressed out, it would be a safe bet that it has to do with money. I love to live by a monthly budget and when things don’t fall into that plan – I begin the silent freak-out.
Things were already tight this month. We had a week of paying full daycare for both kids (double yikes) and a car trip to Kentucky which cost 5.5 tanks of gas. Those two things, above and beyond our other expenses, have made June one of those months when the belt is tightened.
Then, on Monday, the bottom dropped out and I’m pretty sure I even heard some thunder. It happened around 11:45 AM as we were traveling through Memphis. At the split of an interstate, a semi came into the right lane cutting off traffic. There was a pileup in which we were the last car. Thankfully, no one was hurt.
I haven’t been involved in an accident since I was 16, so this was a new adventure for me. The first thing I did was grab my iPhone and open up my Progressive Insurance app. It had my insurance information and the information for filing a claim. Hallelujah for Progressive being so easy to deal with …
But, of course, all the way home I wondered where this $500 deductible was going to come from. Thankfully, we have a low deductible … but USING it wasn’t in my list of things to do this month.
Now, on top of all this, I’ve hurt my back. Actually, I hurt it early last week scrubbing the toilet. (Leave it to me to pull a muscle cleaning … that’s how I roll.) It was getting a little better, but I think the wreck didn’t help. Now, it’s really bad. Any normal year, I would pack up and head to the doctor … but this year I decided to take part in an HSA insurance program. Since it’s a savings plan, I have to foot all medical costs upfront.
Medical Costs + Already Stressed Out + Car Deductible = Wake me up July 1.
