Thursday, September 3, 2009


I know it has been forever!!

Not a lot has been going on since we paid off the Credit Card. It is such a HUGE relief to have it gone though! We are slowly chipping away at Phil's last student loan which is right at $800. It has been so frustrating because we would have had enough money to have had it paid off if pesky little MURPHY hadn't shown up! I swear he has shown up the past few months, meaning we are sitting here stuck making minimum payments (or a tiny bit more). The good news? We haven't had to touch the e-fund!!!!!! (Just not able to put money towards our snowball). But I think we are putting this on hold... see below.

I also started working part-time selling Pampered Chef. This started a few days ago, and I'm stoked. I am hoping to make an extra $750/month to put towards our Debt Snowball!! If it doesn't work out, I guess I'll be stuck finding a job at Wal-Mart or something, but its not forever!! I am ready to get this debt paid off.

Oh and Baptist Hospital (where we had Charlotte) decided to bill us almost $10k! Basically, the bill totaled to $1800, insurance paid $600, which left us with $1200. But the "agreed upon rate" was about $9800, and since the insurance only paid $600, they now want to bill us $9200! I am trying really hard to not go CRAZY. I mean how REDICLIOUS is that? If I didn't have insurance, I would only owe $1800, but with insurance, I now owe them $9200? It was really crappy insurance to begin with (student health insurance) and we did NOT expect to get pregnant, hence the crappy insurance. So I'm HOPING that we can settle that one for $1200... do you think that is doable? We were going to save up as much as we can in the next month or so (while talking to them to keep them off our backs) and offer them $1200 to pay in full. Anyone think it will work? I keep trying to hint at settling somehow and they just say "well fill out the financial aid thing" but I really DON'T think that a $9200 bill is going to get much help when my hubby makes $46k? Any thoughts would be greatly appreciated! I feel like we just paid off about $10k since college, and now its back!!! The thought just makes me want to cry :(. Oh and this bill came out of nowhere, we hadn't heard ANYTHING from them for a year!

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