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Spend Spend Spend

April 25th, 2008 at 11:22 pm

Ugh.

April & December are our spendy months. April was insane. Life insurance, property taxes, $1k to IRS, on and on and on and on. Mostly prepared for most of it, though the IRS got me. Still sucks no matter how prepared.

Anyway, May and June tend to be our calm months. No bills are due.

So what do I have in store for May:

Vacation - $1500 range

Yosemite - $400 - Apparently due May (I had wanted to charge it in June for extra rewards - Bah).

Medical - $600 - I just got BM's emergency room bill. Well, part of it anyway. Due May. It's trickling in. I figure at this rate we may be getting bills for it in a year, still. I have never received a medical bill in my life, before this. Just the way my HMO is - they take care of it. We pay big premiums, we pay little out of pocket (besides co-pays anyway). Anyway, now that we switched to HDHP, they decide to send us little bills every few days. They are driving me mad. I had to sit down and stare at the thing for a good long time yesterday to make any sense of it. I finally realized it was a "physician bill" which was completely different from our almost identical looking "hospital bill." I figure one of these days we'll get the "ambulatory services" bill.

Plus they keep sending me all these statements that don't include half of what we have been in for. The paperwork is maddening. & yeah, hard to make sense of.

Good news is that BM's emergency room physician only charged $220. Though like I said, I assume more bills to come there. Maybe a hospital bill to go with that?

Dh was charge $400 for a hearing test. Egads. & I was worried about the emergency room visit?

I was rather taken aback, but dh reminded me it had been like an hour long ordeal. I then start to see - 5 minute visit with doctor isn't so bad (little $50 charges here and there for our numerous visits this year) but that yeah, a more intensive screening costs a wee bit more. At least that makes sense.

So - $600 there.

All that is suddenly $2500 in extra bills for May. Eeks.

I told dh that as I tend to be more "big picture" that I haven't been doing so well with managing cash flow. It all fits in the budget, but our cash reserves are rather on the low side until our stimulus check arrives. I think we're okay, but it really couldn't come too soon... If you look to the left, and consider my $600 medical bill (haven't adjusted yet), you see our cash reserves are pretty shot. I haven't even subtracted out vacation yet - egads. Though I have to remember all of these are charged and the cash won't be due until June. Phew. We'll probably save up $2k in the next 2 months for this kind of stuff, likewise.

But today, not a lot of room for more bills...

Yeah, we have our lovely efund, but a chunk of it is sitting in my ROTH. So doesn't help me feel great. I don't want to touch that thing for nothing.

Mostly we just have to get through June without Murphy knocking on our door. I am sure we will be fine, but I am wondering what happened to my fine planning skills. Wink

Of course, we now have a good $2k in our mid-term savings fund, which was $0 for the last 2 years or so. So that's something. We have a lot of catching up to do though.

The stimulus check will pretty much wash out our IRS bill and add a good $1k to our mid-term fund. We're making decent progress.

Just feel a little cash tight in the interim. Hopefully to feel quite cash flush come June. Which also coincides with freedom from daycare costs for BM. Woohoo. Yeah, end of June I should be feeling pretty darn good. Big Grin (That is when our stimulus is due to arrive, as well as last month of paying for 2 in preschool - will be good times).

Anyway, I hadn't updated my Quicken all week (I guess since work was so busy, I don't even know why). I just did, and was actually pleasantly surprised with our $200 Yosemite deposit and a some $500 in professional dues (most to be reimbursed) that our credit card bill looked quite reasonable. How on earth? I finally pulled up a monthly report and realized we didn't really spend much on groceries this month (maybe $250 to date?) and our gas was pretty reasonable ($200 of $300 budget to date). So left us a lot of wiggle room elsewhere. Phew...

Today I worked quite late and got way more work done than I imagined I would. I decided to take tomorrow off as a reward. I am so stoked. Tomorrow was to be my last Saturday, for the rest of the year hopefully.

I even thought I wouldn't mind going in for a couple of hours and cleaning up my office a bit. I left work at 6pm and got the last deadline (April 30th) off my desk. I was absolutely thrilled.

I am sure I could have justified working (still lots of catching up to do) and we had even talked about me working one day and taking Friday off.

BUT I felt accomplished and decided it would be quite a treat to take the weekend off. Say la vive weekend work.

I love this time of year as well because working 40 hours a week suddenly feels so simple. 5-day work weeks are suddenly quite divine in comparison to 6-days. So life is good. I intend to enjoy this weekend.

I do have MUCH to catch up on around the house.

BUT dh wants to go to the Scottish Festival and I admit it sounds quite fun.

Of course, I saw 90 degrees for tomorrow.

90 degrees??!!??

I also read in the paper that last weekend there was a freeze. I think why I have been so sick this week. We went out Saturday and Sunday and I Was freezing my buns off. I thought maybe I had been jumping into spring a little too heartily.

No, it was so cold that there was a freeze and a lot of crops ruined around here. Craziness. I remember being out, being surprised it was so chilly, and then just being sick all week. I can't help but wonder if it was the cold and the wild weather fluctuations. Certainly didn't help. I didn't quite have a grasp how insanely cold it had been. Our house has stayed rather moderate in all this.

On the flip side, I think I would usually need a little more warming up to 90 degree weather. One extreme to the other. I'll probably be miserable.

But I think the Festival will be fun.

Dh had also been planning a date this weekend. Matinee movie.

So I was pleased to see room in the budget for all this, with dh's wonderful grocery shopping this month.

Oh, and I did find a hike that I wanted to go on this weekend, but not sure we'll have time. Dh rarely wants to go out, so since he wanted to go to this Scottish Festival, I figured it was fair. Maybe we can hike next weekend. Though it was short and close so hope to squeeze it in.

I was so miserable all week I completely gave up on the gym. My aerobics instructor is in Yosemite anyway. I will try again next week. I would love to work out this year without coughing up a lung. This seems an impossible feat this year. Sick sick sick, and more sick.

I am losing weight anyway. I have pinned it on 2 things. I moved offices late last year and I walk MUCH more now. I am on the complete opposite end from the kitchen and the bathroom now. & the copier and everything really. Lots of walking. I am thinking this makes a difference.

I also primarily eat home-cooked meals and eat lunch in. BUT I have been skipping my little $1 junk meals more to save up more cash for more date nights with dh. I really usually don't order much or eat that much grease, BUT I am noticing a difference. I think it is more to it than that. But when I eat less junk I seem to crave it less at home too. I just overall seem to be eating less. It could be much of just being so busy too - too busy to eat/snack/munch. Somehow I am losing weight with no effort. Go figure.

Reminds me, I have been noticing my new office is quite warm. I have one wardrobe for work - my old end of the office is FREEZING. I have been quite warm this week and I start to remember part of the reason we were always so frozen out is the other end of the office gets so hot. I just hadn't thought about it. First summer in my new office. I think I may actually need to buy somewhat of a summer work wardrobe. Imagine that. I just wear my winter clothes all summer, seriously. It is just that COLD usually, inside. Well, it's more like a fall wardrobe - as it doesn't get that cold. But summer is anything but moderate. Wink

I am thinking this will actually be nice/preferable. Though I may invest in a nice fan to help. I don't enjoy the heat, BUT walking outside into the 100 degree heat may be preferable in more summery clothes. I wouldn't know. LOL.

In other news, BM's preschool teacher had a malaria scare. She got the flu in February with us, but has never really recovered. (Though I can't say we have either).

She had been in South America awhile back so they thought maybe she had picked up something. For a while they thought maybe mono. Latest was malaria.

Anyway, she just found out it was actually "just" the flu. The nasty nasty flu.

I am so relieved that she doesn't have malaria, though I really don't know what that it entails or what the ramifications are. Just sounds nasty.

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