**Weird. Got an "overdue bill" for my supplemental life insurance. It was due 10/1. !! I looked back and couldn't find the bill, nor any payment for it.

No idea what happened with that! Set to pay it immediately, of course.

**While at it, I needed to transfer some money over to pay that (rather unexpected). So, decided to transfer the money to pay my property taxes, homes insurance, etc. December is a spendy month! About $4k in bills, money transferred, checks ready to mail.

**While at it, looked on line for the 10th time (on a whim) to see if new health insurance rates came through yet. Nothing, as of Wednesday.

Glad I checked! New numbers were there - so I could pay the December bill, etc.

Our insurance went up 12%. No surprise! I just worked $100/month increase in the budget. In the end it was $77 increase.

Of course, it was even better than expected, since they now take credit card payments for premiums. (They have always taken cc for everything but the premiums).

So, I figured I will earn about $15/month in credit card rewards, with that bill alone. Phew!

Other good news? Absolutely no change to our plan. I am not 100% sure if my surgery will be better in Dec or Jan. Financially. In the end, I don't think it will matter much. So, I don't have to stress about that. (If they raised the deductible or something like that - then it would be time to panic!)

Our health insurance is absurd, as usual, and gaining very fast on our mortgage payment. But, the flip side of the coin is I feel we REALLY got our money's worth this year, and we didn't pay much of anything after the deductible. (Knock on wood - still a month to go!). But, I am rather pleased with it.

In addition to all that, dh will probably be working next year, and can help shoulder the costs. IT would really be the only reason he needs to work. 15% of my income to health insurance - it's gotten pretty ridiculous over the years.