Oh, I made a New Years Resolution after all!

Wear earrings EVERY SINGLE DAY! OF course, I don't really care if I fail, as long as I start wearing them more than once a month or something. To start, it will be every day until becomes more habit.

I got some earrings for Christmas and a new earring holder. As I was going through some of them I honestly could not remember where some of these earrings even came from! & I always forget to wear them, I think largely because they are kept in the bedroom and dh is usually a sleep in there whenever I get up and dressed. SO, I may move the earrings into our closet just so I can flip on the light and look at them (closet is huge like a bedroom and plenty of room to set them up on a surface in there - is usually where I get dressed and ready for the day).

Anyway, I used to be the Queen of earrings, but kind of got past that as a broke college student. I have been buying more earrings again in recent years, but then I forget to wear them, which is stupid. So I can't buy any more until I start wearing them.

Also, my ears got really sensitive at some point - didn't used to be? But I know the trick now to coat them clear with nail polish - that way I can wear any kind. Sometimes the cheap ones don't bother me anyway - I just can never tell!

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I looked at our net worth and expenses for the year (prior posts) and all that. I think I am done with most of that.

Today we are going to a New Years Day Party, and so I have to go pick out some earrings to wear. Woohoo.

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I feel lucky that our non-profit medical HMO is so simple. Beyond the deductible they pretty much just don't bill us for anything beyond very small co-pays. Before this HDHP/deductible thing, I NEVER got a bill outside of insurance and co-pays in the office.

SO, it is pretty obvious to me when the bills are incorrect. FIRST, they sent me a $1500 bill for dh when should have just been a $10 co-pay. We called and they said "nevermind - you owe $0." THEN yesterday I got the $10 bill. BUT, the problem is they messed up at the appointment and had charged him $50, which didn't even show up with all the adjustments on the bill. Kind of like, "x dollars billed for this, y dollars paid by insurance, $10 DUE." Okay, so where is my $50???

Will have to call them again next week. I believe I am due a $40 refund. & I would really like it back, soon!

See? At least this is SIMPLE. So simple I know that it is wrong.

With some of these health plans, lord knows what they are billing you and what's what!

This is the first mistake like this I have had with them, EVER. So, though I am annoyed, I figure, whatever. I think it stemmed from them rushing the bill out so fast. Usually I don't get these bills for MONTHS or YEARS. I got this one a week after dh's ultrasound. Rushed for whatever reason - I know now to be extra skeptical of FAST bills! That is what I have learned. IT takes them forever to sort out their red tape, it seems. I like that they usually leave us out of the red tape.