Friday, September 4, 2009
My mom made a good point yetserday... concerning that hospital bill thing. That "agreed upon rate" between the hospital and the insurance company, is/should be between the hospital and the insurance company... not what I have to pay, she thinks the hospital is just giving me a load of crap. And that that rate is what the insurance company agrees to pay the hospital, and that they can't negotiate what I am to pay them. So I guess I'm ready to start talking to the insurance company Tuesday and see what I can figure out. I just wish someone else could do all the talking, I hate dealing with crap... and stupid people (to be blunt). So I really hope that is right. That stupid hospital is not going to get more than what is right, and that is $1200. (Is that a bad way to look at things? ha)
Thursday, September 3, 2009
One more thing!
I found someone down here who is also doing Dave Ramsey! She is actually the person who recruited me for Pampered Chef and it was great to talk to someone going through the same things we are!! But she is ALMOST done! Only about $2k left!! I am so jealous. She is looking forward to calling in and screaming "WE'RE DEBT FREE!!"
I can't wait to do that... someday.
I can't wait to do that... someday.
Update!
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!
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!
Wednesday, July 8, 2009
No More Credit Card!! :-)
We did it, we paid off the credit card!! I wrote the check and am dropping it in the mail today. It feels GREAT to have it paid off, no more credit cards!! I'll be very happy to get that "paid in full" statement, hopefully soon.
Next, Phil's student loan (which we'll get most of taken care of this month and the rest next month), then the hospital bill. We're still sticking with the goal of getting those all paid off by the end of December. That means we'll only have my student loans, which are a lot, but doable. And if anything happens, we can put a hold on student loans.
I can't wait to redo the debt snowball calculator. I feel like we will have made a lot of progress this year, paying off about 10k since we started in January. We also moved during that time, which put the snowball on hold for a while.
YAAAY US!
Next, Phil's student loan (which we'll get most of taken care of this month and the rest next month), then the hospital bill. We're still sticking with the goal of getting those all paid off by the end of December. That means we'll only have my student loans, which are a lot, but doable. And if anything happens, we can put a hold on student loans.
I can't wait to redo the debt snowball calculator. I feel like we will have made a lot of progress this year, paying off about 10k since we started in January. We also moved during that time, which put the snowball on hold for a while.
YAAAY US!
Tuesday, June 9, 2009
A big step!
I just wrote the check to the credit card company. Now it will be just about $1000!!! $5,185.34 now paid on it!! Woo!!! Next month it will be gone and we will never again have to see a credit card!
Thursday, June 4, 2009
Goal for 2009
After talking a little bit tonight, we have a goal for the end of 2009.
1.) Pay off Credit Card-we will pay off all but $1000 this month, so it will be brought down from about $6200 to $1000. I am super excited about this. The rest of this will be paid off in July, which is a 3 paycheck month so we will use that "extra" paycheck for our debt only.
2.) Pay off Phil's last student loan-it is hovering right around $1000. So we are hoping to pay it off with July's money. We will use the rest of the extra paycheck, and then the extra money that we squeeze out of our budget.
3.) Pay off the hospital bill-even though it is at 0% interest, it will then be the next lowest by then and we would feel better just getting it taken care of. Plus, it is up against a $3500 loan and then the other two which are even higher :(. We would rather get it knocked out and have that extra $100/month for the other loans.
So that should be another $10k paid off by the end of this year. Granted we have an appx. extra $5k in tax return and 1.5k in an extra paycheck. We will be down from about $30k to $20k in debt!!
Also, in January 2010 we get another "extra check" and then a little later, hopefully a decent tax return, because Phil ended up claiming less than he should I think. So we will be on our way to knocking out my first student loan. So I hope that by March or so we will have my one student loan taken care of and only the two big ones to go!!
We can do it!!!
Edited to add: This is all assuming we have no mini emergencies, or ... big ones. Pray that doesn't happen!
1.) Pay off Credit Card-we will pay off all but $1000 this month, so it will be brought down from about $6200 to $1000. I am super excited about this. The rest of this will be paid off in July, which is a 3 paycheck month so we will use that "extra" paycheck for our debt only.
2.) Pay off Phil's last student loan-it is hovering right around $1000. So we are hoping to pay it off with July's money. We will use the rest of the extra paycheck, and then the extra money that we squeeze out of our budget.
3.) Pay off the hospital bill-even though it is at 0% interest, it will then be the next lowest by then and we would feel better just getting it taken care of. Plus, it is up against a $3500 loan and then the other two which are even higher :(. We would rather get it knocked out and have that extra $100/month for the other loans.
So that should be another $10k paid off by the end of this year. Granted we have an appx. extra $5k in tax return and 1.5k in an extra paycheck. We will be down from about $30k to $20k in debt!!
Also, in January 2010 we get another "extra check" and then a little later, hopefully a decent tax return, because Phil ended up claiming less than he should I think. So we will be on our way to knocking out my first student loan. So I hope that by March or so we will have my one student loan taken care of and only the two big ones to go!!
We can do it!!!
Edited to add: This is all assuming we have no mini emergencies, or ... big ones. Pray that doesn't happen!
Tuesday, June 2, 2009
I'm feeling some progress!
We got our tax return a couple days ago and I deposited it into the bank today! I figured out that this month, we can pay off all but $998!! So, its on the top of our "debt snowball." It'll be good to get rid of it!! From $6200 to none, will be such a big step. Then Phil's student loan he has left is under $1000 right now, then we'll be done with that too, and left with one hospital bill (which shouldn't take too long because 0% interest, and my student loans, yuck!) I feel like we're making progress :).
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