Only a couple of things

Dr managed to not need to be admitted to the hospital after his outpatient procedure last week. Twice before with out patient, and one dental procedure his bp had bottomed out so he was admitted. Not this time. Yeah! They successfully broke up the 1 centimeter kidney stone and he is recovering well.

I filed a second inquiry about why we were charged for two initial visits from one doctor during dh’s first hospital stay. I finally got a response today, sort of. That $370 charge simply disappeared from our bill overnight. Fine, now I will pay the balance in full and move on to the next bill.

Tax people finally called us back and we are meeting with them on Friday. It doesn’t sound good.

Oh and 9 months later I finally got my Menards $30 refund on my Cricut Expression.

Not much to report on the personal financial home front!

Getting paid monthly and being out of debt, save the house, it’s pretty boring. Oh, we did discuss our medication fund envelope. We are both on daily meds and we had built up a pretty sizable amount in the envelope. Apparently we both met our prescription deductible which is separate from our medical deductible, so our meds were greatly reduced in price the last few month. Even so we kept putting back the same amount and that is how it built up.

I told dh about how much it had built up and asked if he wanted to keep putting back the same amount. He suggest we take about 3/4 of it and put it in the furniture fund. We are wanting to purchase 2 new recliners for the den and have started that fund already. He said we would let it build in the furniture fund until/unless we needed to move it back for medication. I thought that was a pretty good idea. So starting in Aug that is what we are doing.

I have had some good sales this month for my coasters, etc. In fact, I dropped of one set to a friend that she is giving as a gift to her dd. The dd was there visiting so I didn’t press for payment …. this friend is good for it, I know she’ll pay. Another friend is supposed to drop by this evening and pick up/pay for 2 sets. Of course I have had plenty of other sales and I am excited. This June is much better than last June. I started this business in June of 2014 so last June was really my first full June. Sales are much better this year than last. It is good because I need to get some craft show apps in the mail and usually full payment of the booth fee must accompany the application.

All shopping is done, all paid in cash from detroitharmonie.com website – payday loans for bad credit. Presents are wrapped and under the tree. Dh suggested we open gifts on birthday. I am not sure when it’ll take place. We are going to our church’s Christmas Eve service at 6:00 PM. However we will probably need to get there by 5:00-5:15 to get a good seat. Then we are invited to go visit with some dear friends who are in from Houston. We just love them to death. By the time we get done with all that it will probably be 9:00-10:00 PM. I really don’t want to open gifts that late. I may suggest that we find out if our friends can come over for coffee Christmas evening or one evening after that, maybe Friday or Saturday.

Another one bites the dust! And Target is coming soon..

I was hoping my tax refund would be here by now, but the IRS web site says within 21 days…

BUT with our regular paychecks and insurance reimbursement, dh and I paid off the other capitalone card in full just a moment ago! As soon as the payment posts I will call and close the account (silly thing – if you close first then pay, or simultaneously close when you pay, capone reports to the bureau in such a way that makes it look like they CANCELED you!).

Wierd eh?

Well, anyway… going to close tomorrow or Monday, whenever the payment officially posts.

But its paid :-):-):-)

I have such a hole burning in my pocket to get my tax refund so we can also kill the last of the Target credit card!

So exhilarating to have two cards go within 30 days.

And a bonus is we actually will get some money back from capone – we each started a secured capone card long ago, so that initial deposit will get mailed back. Probably $300-$400 but hey, its like free money at this point. Going to put that towards the Discover card or possibly the car loan. When the Tanda money comes in I want that to go to the car, so if I have both in hand I’ll just throw them both thataway, and pay off the car completely.

I REALLY feel like we can do this!

And sooner than hoped for!

Already conquered: 5 credit cards + elmininated one car payment (plus a major attitude adjustment, which is priceless if you ask me)

Current to-kill list: 2 student loans, 3 personal loans, 1 auto loan and 3 credit cards

Dadburn tablet sent the email before I was ready

Anyway, the data storage fee was mandatory, but had never been brought up before.
They of course thought I would want their gold protection plan for another $30. They were wrong.

The real kicker that sent me over the edge. They had charged us nearly $100 in an hourly fee! When I demanded to know what that was it was explained to me it was because our return had been on hold for over a week. EXCUSE ME! They don’t call me back and I get charged $100? I DON’T THINK SO!

I will say the woman behind the desk saw the error of their ways real fast! The bill dropped down to where it was originally quoted in less than 15 minutes.

Now you want a giggle. She gave me coupons to share with friends and family to recommend their service.

So if anyone wants one…LOL. Btw, the charges I listed are their standard charges. You get billed for every single piece of paper they touch past your ONE W2.

The tax saga

So, we finally hear back from Jackson Hewitt about our taxes, which go down about $500 from what we were originally told, but they then tried to hit us with a $550 preparation fee!

You can imagine my reaction. Let’s just say they backed down to a lot closer to the $125 we had been quoted and agreed to.

Here is why they told us the preparation fee was so high, before I had a “talk” with them.

Base fee is $50 for fed and $38 for state. Then there is a fee for each additional form (that is what they say in their ads, but in real life form=page).

When the original person said form I had said, “so since we will need a schedule E that would be one form?” The answer was yee, thst it would cost us $100-$125.

Real life calculations, they not only charged us for the schedule E but a”form fee” for each 1099, and every other tax income receipt we had. So we got charged individually for our ss statements, my royalty statements, our brokerage statements and the schedule E or 7 forms!

You have to laugh: when it rains….

Landlord has been over for the past two days “slapping lipstick on a pig.” (His words). He’s not actually going to FIX the stuff the city cited him over, he’s just going to cosmetically dress it up so it passes “viewing.” The person who turned him in to the City came over the first day he was here and started screaming about the place….they want it fixed or sold before October (when he told them we were moving.) And like the reactionary he is……

He’s moved up our eviction date from October to June 1.

Good thing we’ve already set in motion plans to move to Texas.Kids are done with school the end of May. Would have liked a month or so or one last summer in Huntington Beach, but the world won’t end.

And ironically, given the past few weeks with my daughter’s ill health, the LEAST problem I have right now is the possibility of being homeless.

Hopefully in the next 4-6 weeks we can make an offer on a house, close, and start packing to get the heck out of dodge.

Which is exactly what I have been doing all along and as a result we have saved thousands of dollars

Two months ago I caught the hospital had not filed on dh’s medicare. That was $27,000 right there. Two weeks ago it was a double charge for an intial hospital visit that I finally got them to reverse and those were from the December hospital stay.

Our nearly $40,000 worth of medical for December went down to $1,039 for hospital, labs, doctors and deductible. Not bad considering our deductible was suppose to be $3,000. (Medicare covered it)

I tried to pay the entire amount last week, but my debit card only allows $1,000 per day and the person taking the payment didn’t want to take a $39 payment for the next day. I was told to just include it with my payment on the January hospital stay next month.

Thanks to Obamacare our 2015 deductible is $5,000 each that combined with a much shorter hospital stay in January and Medicare being slow to pay, but it did get filed this time, has our billing all messed up for not only the hospital, but the two outpatient procedures since then.

Wednesday dh was told he needed an outpatient procedure the next day. Okay, schedule it we told them. Before we even got home that doctor’s business office was calling demanding an $801deposit before the procedure. Saying it was because they were concerned that with our high deductible that we hadn’t met yet we might have difficulty in paying them. That if we didn’t prepay there would be no procedure until we did.

You all would be proud, I didn’t scream at the gal. I am very aware that doctors have no idea what type of nonsense their business offices pull.

Instead I politely asked if the doctor or the surgical hospital he is a co-owner of had filed their insurance claim for the previous procedure, two weeks earlier yet. The answer was no, of course. I knew that because I had been watching for that to come through our insurance.

I then pointed out that between the $17,000 for dh’s January hospital visit, that outpatient treatment along with radiology, and other doctors involved that the deductible would have been more than met if everyone just did their job and filed properly with Medicare and BCBS. She said “let me figure your 20%”

Folks did you know 20% of $801 is $120. I just shook my head at her ineptness. Told her I would call back with my debit card info and disconnected. I then called the doctor’s office to make certain it was them that called, just in case and paid the $120 rather than try to explain basic math to the gal.

Because I pay on a fifo (first in first out) basis the remainder of the 20% is now at the back of the line. I figure it will be awhile before they even bill the insurance company.