Dogs are Expensive

I love my dog. I recently spent over $1k related to her health matters.

  1. Went to my normal animal hospital to have a lump looked at on her chest and get a vaccine. Total cost $186.15vetvisit1The place gave me a quote for a dental cleaning + surgery removal that was been $900 and $1300. I decided that was too much and wanted a second opinion.
  2. I go to another place requiring I pay for a consultation again., That trip was about $126.86. Included a blood test, discussing my options, etc.
  3. The actual dental cleaning / anesthesia / surgery / removal of 7 teeth was $788.61.anothervetvisit
  4. No joke, the second day after the above appointment my dog vomited about 12 times in different areas of the carpet along with issues out the other end. I had to take her in for another visit two days later on Saturday morning. The total is $176.57.anothervetvisit3The brings me to a combined total of $1,151.33. I love my dog, despite the huge vet bill. At least my card is 0% until May and I can probably pay this off in full within 30 days.

 

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“I’ll ruff to that”. She’s fine now, snoring away without a care in the world. Her stitches come out in a week ūüėÄ

Month 24 Update – $32,140.58

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So here we are…April 5, 2014. Listening to some Fantasia and Aretha Franklin tunes on my Audio-Technica headphones while bf watches Scrubs and our siamese cat sits curled up a foot away completely unphased by both the noise of my typing and the television. I feel beat down by an irregular sleeping schedule, where I passed out around 10:30PM and woke up at 4:45AM. I was going to go the ambitious route and go to the gym / catch up on some reading. Instead I wormed around in bed for an hour before falling asleep again. Then I see the sun rise, check my phone and it’s 7:22. Oh crap, I’m late for work. So I go through the usual shower / iron routine, telling my bf to walk the dog and¬†delaying breakfast until¬†I get to the work cafeteria.

I hit an important milestone, on Month 24 of making straight payments to Sallie Mae. This shit is neither fun nor easy. I certainly see how some people can go for ten years of payments and still not have their loans paid off. Life can certainly get in the way of your plans to become debt-free. I have had some increased anxiety as of late with them. Going to Florida next month for a wedding. Bf reimbursed me most of the none I put down for that trip. $600 and change with airfare / hotel factored in. Then today he’s like you should really go visit your parents. Sure that would be nice but with what money, I have about $350 to my name right now. I currently have I hold myself to higher standards that I can get this paid off as quickly as possible while still enjoying life. Debt to me is slavery. I can’t turn back the hands of time but I can focus on my abilities in the pleasant to create a better life.

Another friend bought us tickets to the NCAA Championship games in Dallas next week. I don’t know any of the teams really, but it should be exciting.¬†Never went to a basketball game before. Don’t lecture me, just because I lived an hour from Madison ¬†Square Garden doesn’t mean I went. Same with the Statue of Liberty… or the World Trade Center back in the day.

I was thinking today maybe sell the car and drive around in an absolute piece of crap car until I am debt-free. Of course maintenance is an issue there and I’d always wondered how many years I could get out of a perfectly reliably running car of which I have full knowledge of all its maintenance records and overall treatment. Then I think about the $3k I put in the audio system that would not be appreciated by a 2nd owner or by the dealer / used car sales guy making me an offer. Last but not least I thought about how people get royally screwed over when trading in a car. Do I really want to put myself through all that again for a shiny piece of equipment that gets me from point A to point B. Even if it’s a hybrid or an electric car that will cut my fuel costs by half or a 3/4. I don’t want to be on the treadmill forever. I want to lose the weight and keep it off. My freedom, my sanity is worth more than material objects.

Also listened through the whole Millionaire Next Door Audiobook and stared going through Secrets of A Millionaire Mind. My goal is to shift my mindset to thinking more in terms of opportunities that exist instead of limiting thoughts in my head to generate wealth. Over the the years I’ve encountered systems of get rich schemes that sound good on the surface but upon closer inspection have either large inconsistencies or have so many negative things written about them why would I want to go down that path. MLM comes to mind, if people are going to buy something from me I want to believe 100% in the product / service and it must genuinely fill some kind of need or want in their lives.

I don’t think I’m a greedy person. I just know where I have fallen short in the past and want to see more of a payoff for my hard work and efforts. ¬†Right now that hasn’t happened yet and it can be frustrating.¬†I see myself farther along than I currently am. I feel beat down, tore down but I can and will get back up and do some amazing things with my life. A positive net worth would be a good first step. Last but not least along with getting more omega-3s, I find keeping a busy schedule is a sure-fire way not to get depressed. Simply put, ain’t nobody got time fo’ dat.

Was about to hit post, then I looked at Haha Money’s How Rich Are You¬†article. Plugged my number in to a calculator and combined we are in the richest 0.4% of the world’s population and our income is 42 times that of the average person. For just me it’s in the richest 6.1% of the world’s population and income more than 14x the typical person. Kinda boggles the mind how I could be richer than so many people in the world yet feel so¬†financially broke.

If anyone is reading this in their 20s, I have one bit of advice. Well two really. Start planning¬†early and don’t let the time pass you by. I’m not old, but the years have taken a toll on me. Losing my dad and grandmother so young, watching them struggle with health issues for years, a decade of being unable to get traction professionally, racking up student loan debt. The most recent one was a former friend going clinically crazy last month & being checked¬†into a mental health institution for self-destructive behaviors. He is out, but after some of the threats and obsessive behavior I¬†no longer choose to associate with him.

Unexpected Expenses

As much as I want to pay off Sallie Mae it’s time to beef up my emergency fund. For the month of January I’ll pay paying just the minimum $452 for the month. Between bills from the holidays and my pending medical bills it’s spreading me thin.

Today I was wheezing heavily and coughing at work. This has never happened to me before and lasted for a full 45 minutes. Luckily my job has a clinic on-site. I went down there and both people who worked there and those waiting felt really bad for me. So I was seen a full hour before my appointment. Chest x-ray ruled out pneumonia, tested negative for flu and negative for strep. Got a nebulizer treatment for a half hour, blood work drawn and two injections in my backside. I immediately started to feel better. My prescriptions were only $12. Went home and did 0 work afterward.

My current health plan has a $4000 deductible. That is going to $2000 in about two weeks. Still not enough to make a big difference in what I will end up owing. I hope most of the stuff at the clinic is covered by my co-pay but I cannot say so for sure. The x-rays will be a couple hundred dollars I figure.

Currently I have $197 in my bank account so an emergency fund is non-existant. I need to pull back at least for a month to do some damage control. Credit card balance is just under $700, close to $900 after pending transactions hit. That will be paid off in full after my next paycheck. I put the ATT ($87), Verizon ($150) and electricity bill (not yet added but $212) on it.

It’s a wakeup call that health is important and having insurance matters. Coming out of the holidays without super much massive damage (though I spent more than I wanted to) and that makes me happy. That’s all for now.

 

Update: Maybe the X-Rays aren’t as much as I thought. I see an estimated cost online of $32 for the center I went to.