Monday Money Musing

No, I’m not starting a new series, just entertaining myself 🙂

Let’s talk about how screwed up the American health care system is! I was stupid yesterday and tried to cut a slightly unripe peach into a pot, not on a cutting board, so naturally I sliced open the middle finger on my left hand with a really sharp knife. It’s not going to kill me; the slash is maybe 1.5 cm. But honestly, it could probably have used a stitch or two. It’s opened itself back up a couple of times since I stopped the bleeding the first time. Am I going to get that done? Nope! Even though I have health insurance. It’s just not worth the co-pay not to mention the time spent hanging out in the emergency room waiting to be seen. Now, once upon a time I was in Spain, and I got an infected blister on one foot (yes, it was as fun as that sounds.) My friend dragged me to a walk-in clinic, where they saw me after a five-minute wait, and after sighing when I said I didn’t have a EU identity card, sent me on my way without even charging me anything. Oh well.

Buckling down on spending is going ok. I couldn’t resist a bunch of awesome produce at the farmer’s market (it’s just that time of year) but it’s really good to be back to a mostly cash economy. I feel totally guilt-free about spending on random treat-y things (coffee, rose water, fresh ricotta) as long as I’m using cash to do it. Overspending on cash in July led me, in part, to having to use a credit card several times and I just feel all twitchy about it. I guess I’ve retrained myself, financially speaking, and that’s a good thing; giving myself enough space to spend on stuff that’s not necessary, while also giving myself firm boundaries (no random trips to the ATM during the month), is a good way to go, I think.

Thanks for all your responses to the house buying post. Funnily enough, one of the people at Blogging Away Debt had a post up asking more or less the identical question on Friday. So I benefited from both sets of responses! I honestly have no idea what I’ll end up doing, but I do feel more educated, so I like that, no matter what happens next. I’m also thinking about the potential costs of having a pet; I love love love living with my housemate’s dog and cat — so nice to curl up with a little warm body 🙂 I don’t know; maybe even if I do stay in this town, I’ll wait a year or two after all and just keep living here. I could probably make life a little more “permanent” in this house by unpacking more of my personal stuff, so I don’t feel like I’m just living out of suitcases…. Oy, I don’t know. I guess the first order of business is even to figure out if I’m staying here or moving on.

Other than that, I’m just waiting around for my paycheck to hit on Friday. I really want it to get here because I will finally hit my emergency fund goal, so for like the last two weeks I’ve just been staring at my bank account hoping it’ll magically appear really early for some reason. Shockingly, it hasn’t. Go figure.

17 thoughts on “Monday Money Musing

  1. Ahh, don’t get me started me started on the inefficiency in Emergency Room visits. It’s faster to go to medical school and learn to perform surgery on yourself than wait in that crowded room for your name to be called. Sorry, had a flashback…

    It’s cool to see that you’re in a position to buy a house! Keep us updated on your decision making progress, Have you done pet-sitting to get a regular furry-pet fix? May be something to try, but only for good doggies. Their human companions must submit a doggy resume on their behalf highlighting all training for your approval. 🙂

    1. thesingledollar says:

      LOL to the medical school and self-surgery! How did yours go? I’ve been thinking about you.

      I don’t know if I really can buy a house; it would all depend on where I live, ie, if I move to LA next year, no house for me! But it’s much more do-able here. We’ll see. Right now I live in a rented room situation and my housemate has a dog and cat, so I’m kind of getting that pet-sitting experience and love it. It’s kind of great living with them and helping out (I take the dog on a lot of walks) but not being ultimately responsible for their financial and physical care 🙂

  2. Hannah says:

    I think it’s so funny when we get excited about incoming money. I always feel that way with incoming rent checks, particularly because I always keep them in a certain account before disbursing funds in case the checks bounce or something. It’s bizarre to log in, and ask (has it been 14 days yet?) when I know full well that it has not been that long.

    1. thesingledollar says:

      Right? It’s like, I know perfectly well that it won’t be here until Friday morning, so why can’t I just put it out of my mind?!

  3. DebtFreeJD says:

    Mmmm . . . fresh ricotta. The best.

    1. thesingledollar says:

      Isn’t it? I keep wondering if I should learn to make it. Maybe someday.

  4. Kristin says:

    Having pets is the best expense you could have 🙂 I have had my oldest dog almost 14 years, so there really has never been a time in my adult life that I haven’t had pet expenses. When I look back at how much money I have spend on my dogs (and cat) over the past decade, it’s probably a small fortune, but so worth it!

    1. thesingledollar says:

      Yeah, I really regret not having had one for so long. It was hard to figure out how to square it with my lifestyle in New York (apartments don’t like pets, so since I didn’t have one already it was much easier to find a place that didn’t take them, rather than one that did…) and in general (moving around and traveling so much.) But I love living with these little guys.

  5. Glad you got some insight to the house situation and congratulations on being super close to finishing your emergency fund! I’m with you on health care. I take going in to see the doctor seriously, meaning I don’t just go for any old thing. Sad if you think about it.

    1. thesingledollar says:

      It is! I feel like for something easy and quick, it should be…easy and quick (and very very cheap.) Oh well.

  6. Health care is so frustrating and expensive. We did discover a new money-saving feature last week while out of town: my husband used our company’s new on-line doctor consult for a mystery rash and got a prescription sent to a nearby pharmacy. The consult cost only $10 which is less than half our normal co-pay. It was perfect for a minor concern especially since he couldn’t see our usual doctor.

    1. thesingledollar says:

      That sounds awesome. I love my university’s on-site health center; if I hadn’t done this on Saturday night at about 9 pm, I might have run over to see them. I feel like we need more quick/simple ways to handle this minor stuff. P.S. hope your husband’s rash clears up soon!

  7. Jason says:

    I do wish we had a better healthcare system like the one in Europe…that is why I want to do a Fulbright there for a year. I don’t really care where…but it would certainly be nice.

    1. thesingledollar says:

      That does sound lovely! I hope you get one.

  8. How wonderful that you’re just about to hit your e-fund goal. What’s next? More in terms of long-term saving? Or major down payment savings? On the subject of a pet, I would caution you there. Like home ownership, it’s a lot more expensive that it might seem. We had $4,500 in vet bills one year – when were were still deep in debt – when our dog got bladder stones. Ugh! You, on the other hand, are not deep in debt, so maybe it’s not such a bad idea for you. So many big decisions!

    1. thesingledollar says:

      Well, I have a post on my next goal for Monday, so I won’t spoil it 🙂

      As for the pet, I totally am worried about the money. But I think I’m finding that it is so spiritually calming/rewarding to live with one that I really just might have to go for it. It’s very soothing to have something cuddly and warm around!

  9. I’ll echo what others have said about the potential costs of having a pet. We’ve spent thousands and thousands of dollars on our geriatric cats, one in particular. I don’t regret a cent of it, though. They’re truly part of our family, and bring much love and joy to our lives.

Comments are closed.