Way to go!

Didn’t it feel GREAT to be able to handle the first two with no payments! Yes, technically you are back on baby step two, but for that small amount I would not stop my 401K. The doctor can demand a larger payment than you are able to make, but they can’t make you pay larger. Pay it off as fast as you can, you KNOW how, you’ve done it before.
If paying both the 401K and the Illinois cash advance from IllinoisCashHelp.com make you feel too uncomfortable, just slow down on the Roth. Leave the 401K alone.

We have paid off two of the bills from my husband’s surgery

the only one we doctor to pay off. Of course the doctor is the one we owe the most amount of money too, about $700. We were able to pay the two off in full. They offered a pay in full discount and we took advantage of that. The doctor won’t do that and having paid the other two in full, we can’t afford to pay the doctor in full. They will take monthly payments and they are interest free.

So here’s my question. I am treating this like a debt to that takes us back to step two, right? It get confussing because we have a fully funded ER fund and were on step 4. So should we stop contribting to the Roth IRA and the 401K until this debt is paid off? The 401K through my husbands work is only 2% since his company doesn’t really match much at this time (we have it at 2% so if they start to match we are already active and can increase the amount) and we fund the Roth IRA at about 8%. We could also use of ER fund to pay it off, but I think my hubby and I agree that isn’t the way to go. We don’t feel comfortable using it when the doctors office will take payments and not charge us interest.

I wish DR’s envelopes were more durable

The ones I use most often like grocery and Wal-mart tend to get worn faster. I know it’s in DR’s financial interest to not make them from durable material like plastic because it keeps “us” going back for more when they wear out. Winking smile However, I would pay a little more for them if they lasted longer. I do like the outer part that the envelopes fit into. It is nice looking and most of them, if not all, are gender neutral.

Have you considered a plastic coupon holder?

Walmart carries some nice ones for about $5. They are expandable mini files type. I don’t use envelopes I have a small wallet with several pockets in it and I’ve labeled the pockets for the right “envelope” and then store the proper loyalty cards in that pocket of the wallet along with the cash. That way it’s all together in one spot.

Also when looking at office supply stores look at the Martha Stewart line of organizers, some of them are not girly and they are pretty sturdy.

Craft stores like Hobby Lobby carry “envelopes” of different materials as well.

We are paying well over $1100 for 3 people

dd has been on her own policy for about 20 years. When she was minor it was cheaper to get a kid’s policy for her. It was just like ours but it came out cheaper to insure her on her own than to add her to ours. If we had real, true affordable health insurance I am certain we would have our house paid off NOW (less than 2 years after buying) than in about 7 years. We are paying 50% extra on our house payment to get it paid off early. So between our house payment and the insurance you can see why do not have money to do a lot of extras.

So here is what may be a daft question – maybe not

I have balanced billing on my gas and electricity. The house electricity runs typically between $120 – $145 a month (depending what kind of summer we have and how early/late it arrives and how long, being that this is Oklahoma the ever-changing), and the barn/security lights run around $65. The gas bill typically is around $50 a month if I don’t use the heating during the winter (which I don’t typically since I use kerosene). So if I add those together, it’s about 235.00.
My CreditOne is currently at $440.52.
Can I, by using the cc in the interim to pay those bills (after placing that $235 on the CreditOne card) AND by making the regular min payment, knock the interest down at all? Or is my logic completely backwards here?

The only way you will save any money is to pay off the card entirely

If you add *anything* to the balance, even if you pay of that amount, you get charged interest on the total, higher amount. So you’re still going backwards. Don’t do it. Shoot it, chop it up, run it through a wood chipper – kill that cheetah!
How much do you have ‘extra’ per month to pay down debt? I ask because $440 seems like a small amount to pay. I had one card that wanted to charge me $800 per MONTH(which I couldn’t afford) in payments, so it’s all relative.
Can you have a garage sale or list stuff on Craigslist to pay it off or put a dent in the balance? I’m challenging you to come up with $100 this weekend from selling stuff or extra work to throw at this card… :-)

And have you priced Advair without insurance?

It’s over $100 for a single inhaler. A bean counter/politician only sees that cost and says “hey” this other one is only $6, so they can take that instead and we’ll save $94.” What they don’t see is that $6 one is hard on the heart, teeth and throat and needs used every 2-6 hours depending on the season. Where as Advair is a once a day and far better all the way around healthwise for the patient.

As I mentioned, mine went up 40 percent

This is the first in a gradual 5 year increase that was negotiated by our union. I work for the 29th largest school district in the country. My insurance was already better than many so I cannot imagine that much needed changing. We already covered maternity and mental health. They increased the dependent age to 26 two years ago.

The changes also mean that my insurance company wants all meds filled through the mail because it is cheaper for them. It also means that they are cutting costs in other ways. I rake Advair for asthma and it will no longer be covered.

A good healthcare plan should not only be good for some people and that is what we are seeing.