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  1. #16
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    Default Re: Now I'm the one having the bad day...

    Another thing...do not use your economic incentive pack for paying down debt. The reason that the government is sending this money out is for us to spend on consumer goods to help ward off a recession...which in my opinion with gas at $3.40 per gallon, we are already there. So...our job is to spend this money on the crap we don't need like TVs, video games, and purses. We are spending ours on an Xbox 360 for my stepson, with the remainder to go to a purse or something cool for the apartment. If everyone paid off debt with this money, which I admit is probably more financially sage, the whole purpose of the refund is defeated.

    Just, don't sign a promissory note or anything. When you get the bill in just start sending them $5 at a time...if they have a problem with that, they will call you...to which is the point where you tell them you are in school and cannot afford to just pay them.

    When I was in school, I had to have a root canal and did not have health insurance because I got married (not to my current husband) and was in school and so could not stay on my parents plan. After root canals, normally you have to have a crown. Well, I went to the endontist and they got me to get this credit card (CareCredit) where I had one year to pay off a $950 procedure. Not too bad, I could swing it...well then I found out that a crown was another $850 if you didn't have insurance.

    I was sad, and I worked at the bank. A dentist was one of our daily customers and he asked me why I was down one day. I told him why and he was like...well...what can you afford? And so I told him $300-$400 was all...so...he did the crown for $350...and let me pay over seven months.

    Ironically, my dad didn't give me the money for any of this, and I got it all paid off relatively quickly (one year) Even more ironic is the fact that my current husband mailed off my last payment late and I had to pay all the accrued interest (no interest if it was all paid in 12 months) which totalled something like $250...but at that point I was graduated and had a job and could "afford" it.

    That said...don't stress about it. They won't put this on your credit report (I have never seen any medical bills on mine or my husband's and we have had plenty) unless they send you to collection and they cannot send you to collection without contacting you by mail or phone and really can't do anything if you are paying them some sort of payments.

    Another thing...Dillard's gives their employees benefits at 32 hours (or at least they did when I worked there in 2003/2004) so if there is a Dillard's near you you may want to check in to it. Another thing...check with your car insurance company and see if they have health insurance as well. You guys need to have a major medical umbrella policy in case you get really bad injured. These usuallly have a high deductible (usually kick in after bills hit $10,000 or $25,000) This way if something catastrophic happens to you or your husband you at least have some sort of insurance and the good hospitals will be more likely to keep you as patients than just stabilize you and move you to the city hospital (eek).

    I hope all works out for you. I hate the medical field and how they exploit people who do not have insurance. It's amazing to see my EOB's come in...the insurance company knocks usually around 40-50% off the top of what the hospital can charge!

    I'm also not telling you to not pay...I am simply advising you to take your time paying until you have a great full time job where you can afford an extra $100-$200 to knock this out.

  2. #17
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    Nashville, about the government incentive thing. We already bought the thing that we don't need... the TV. LOL! That's what I wanted to use the money to pay for... that stupid TV that is on a line of credit through the electronics store. We already stimulated the economy... now we just need to pay for it. LOL!
    As for working somewhere like Dillard's. I already work at a dept store that considers 32 hours full time an benefits eligible. My problem is that I only work 20 hours a week. I simply can't do more than that with all the homework I have.

  3. #18
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    Default Re: Now I'm the one having the bad day...

    Oh well. I tried. Maybe one day we will become socialists like France and have free healthcare and super groovy purses...

    But today is not that day and we can do the best with what we have...

  4. #19
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    Sorry... I would work more hours if I didn't have to go to school full-time. But if I didn't go to school full-time then I wouldn't get any financial aid. The financial aid is the only reason I'm even going to school right now. I can't get approved for student loans... so I have to rely on grants and scholarships to pay for most of it. ::sigh:: I had to take one class at a time for 5 years at the community college just to get 2 years worth of school finished. That was all that I could afford, I didn't qualify for financial aid back then. Lucky me... I married someone poor.! LOL! Now the government feels I'm poor enough now to get help with school... funny, I was poor before I got married.
    Anyway, I am completely aware that we need to have health insurance again. I personally have insurance that covers me in case of an accident or serious illness. It is provided through school. I can see the doctor at school for free if I need to... and many prescriptions are free. This, however, doesn't cover my husband. We had looked in to plans to cover him... but they are all around $80 a month just for one person. We have Progressive as our auto insurance... do they have a health insurance plan? My husband at least needs some sort of accident insurance... just in case he decides to cut something up again.

  5. #20
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    Default Re: Now I'm the one having the bad day...

    Progressive probably won't...but look in to State Farm. IF they can cover you, you can get renters, auto, and health insurance policies cheap with discounts...

    $80 isn't that bad...I pay over $300 per month for health insurance for 3 people, and it's my employers plan...everywhere i have worked it's been that bad. It's expensive. I don't know how much Dillard's was...I wasn't eligible either. I worked two 20 hour per week jobs while in school. One of them wsa because the employer didn't want me on the healthcare plan, but the pay was a whole lot better and they let me do my homework at work...but I was 19 and felt invincible...

    I would look at whatever city you are in and see if they have a "free" or subsidized health center ... this would help with minor illnesses...

    I HATE HATE HATE how healthcare dictates our life in such a big way now...I have the drive and ability to own my own business ... but I'd never make it because of healthcare costs...I am just hoping one day I can get a PhD and teach...that would give me the freedom I crave. At least 2 months a year...haha...

    Good luck in all you do...just don't give up on school...your future is what matters

    What are you going to school for that you have all that homework?

  6. #21
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    Default Re: Now I'm the one having the bad day...

    oh...if you have little ones (kids) you probably qualify for some sort of state funded medicare type thing. IN Arkansas they have ARKids B which is for people that aren't dirt poor, but make less than a certain amount per year based on household size, but I think you pay for the premiums, but they are cheaper. Of course, this only covers your kids...but that's still a start...

  7. #22
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    ^^^ Nope, no kids. I would never dream of doing something that irresponsible! My parents had nothing when I was growing up, I wouldn't do that to my own kids.

    Anyways, I'm majoring in Biology. It's nothing but write, write, write for these classes 24/7. Why do you think I'm on the computer so much? LOL!

  8. #23
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    Default Re: Now I'm the one having the bad day...

    Make sure you are very well insured .... Health disability life and liability ... I'd carry more than the state min on car insurance ...

    Another thing I have to ask but don't be offended... Can your hubby get a job with INS benefits... Just while u r in school?

    That in and of itself could make u feel a lot less stressed

  9. #24
    The Bag Star daniellelynn's Avatar
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    Default Re: Now I'm the one having the bad day...

    This might sound really bad, but for a while when I dropped out of school two years ago I went to the welfare office and got Health insurance... I went to see my doc for a reg. checkup which I thought was only going to be about $50 and he ended up finding a small cyst (sp?) and I had to go through thousands of dollars of tests... so, I know thats not going to help you right now but maybe down the road it could?....

    btw... that was definitely a last resort for me, but you gotta do what you gotta do sometimes...
    Last edited by daniellelynn; April 16th, 2008 at 06:55 PM.

  10. #25
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    Quote Originally Posted by NashvilleDiva_83 View Post
    Make sure you are very well insured .... Health disability life and liability ... I'd carry more than the state min on car insurance ...

    Another thing I have to ask but don't be offended... Can your hubby get a job with INS benefits... Just while u r in school?

    That in and of itself could make u feel a lot less stressed
    We've talked about it before. I think he's reluctant because he makes more money working with his brother than he ever has in any factory job (which is about all you can get around here that pays half-way decent). I think it would actually just be best if he went back to school so he can be on the healthcare plan there. Problem is... we can never afford to have both of us in school. I'm going now because its my turn... he's already wasted enough time not finishing college. So now I'm giving it a go.

  11. #26
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    Quote Originally Posted by daniellelynn View Post
    This might sound really bad, but for a while when I dropped out of school two years ago I went to the welfare office and got Health insurance... I went to see my doc for a reg. checkup which I thought was only going to be about $50 and he ended up finding a small cyst (sp?) and I had to go through thousands of dollars of tests... so, I know thats not going to help you right now but maybe down the road it could?....

    btw... that was definitely a last resort for me, but you gotta do what you gotta do sometimes...
    LOL! Well, my husband's friend was actually able to get food stamps somehow while he was in college. I found that rather odd because your total assets cannot be more than $1000 and that includes your car.

  12. #27
    The Bag Star daniellelynn's Avatar
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    Default Re: Now I'm the one having the bad day...

    yeah, i didnt have anything at the time... baaad period in my life, and I refused to let all these bills pile up so I had to look somewhere for help... and after dropping out of school my parents definitely werent going to pay them..... good luck with everything though.

  13. #28
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    Default Re: Now I'm the one having the bad day...

    Quote Originally Posted by boysRsmelly View Post
    LOL! Well, my husband's friend was actually able to get food stamps somehow while he was in college. I found that rather odd because your total assets cannot be more than $1000 and that includes your car.
    Usually one car is exempt per family. As is your retirement plan (I think - double check with DHS before you exclude anything...haha) It's also hard to get them without having kids.

    The whole money thing is blown out of the water when you consider the cost of accidents and healthcare. At least if he were on a group plan and you guys had a kid (accidents happen) your healthcare would be covered and the kid would have coverage when they were born. Hey, I can't talk...my husbands self employed too...but he didn't go full time self employed until I started working (after I got out of college - but he's a little older than I am) I am a spreadsheet nerd so I would work up a spreadsheet with "what if" scenarios on it, and show the true amount of your earnings.

    Disability is another thing to think of...what if your husband cut his whole hand off? He wouldn't be able to work!!! If you work in a factory, and it happened there they would have to pay for all your medical care...plus the short term disability normally would pay 100% of salary for like 12 weeks or so, then long term would pick up at 2/3 salary...

    I work for a big company, and we have health insurance, dental insurance, vision insurance, life insurance, disability insurance...some of it 100% paid some of it merely subsidized...but still cheaper than getting comparable plans by yourself.

    When you work, your pay is only a portion of your total package. Usually your benefits are 30% more than what you are actually paid. You get retirement, time off, life and disability insurance...and most factories have tuition reimbursement so if your husband got a job at a good factory, they would eventually (usually after one year) pay for tuition. That is how my husband got his engineering degree...and the best part is that up to $5,250 in tuition paid by an employer is excluded from your income taxes...so that's an extra free $5,250...some places even pay for dependent tuition. My dad worked for GM and they paid about $1,250 per year for me (but that was taxed back to my dad, so the benefit was more like $800 - but it's still somethign)

    Okay. Through with my analysis...just trying to help a fellow bag lover get some $$$

  14. #29
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Now I'm the one having the bad day...

    LOL! You really are pushing this kid thing. :rolleyes: Trust me, there will be no accidents. I don't talk about this much... but my chances of becoming pregnant are pretty slim at the moment. I have a hormone imbalance so I don't have a period... okay, maybe once every year! LOL! I'm taking the old kind of birth control pills (single cycle) as a form of hormone replacement therapy because I am too young for the other stuff (that's what the doctor said). So I've got a double-whammy going on in that department.
    Anyways... what kind of factory job are you thinking off? My husband has worked at several and none of them ever had a tuition program. Heck, he even worked for the university for 2 years on the grounds crew hoping to get the $1 a credit hour benefit. But they refused to give it to him... they intentionally kept his status as a "temporary" employee despite his expressed interest in becoming permanent. That's how they screw you... make everyone temporary employees but keep them on for years! UGH! He got fed up with it after 2 years and quit.

  15. #30
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    Default Re: Now I'm the one having the bad day...

    Are you serious??

    My husband worked for a company that made transmissions. He worked there from 88-02 when they shut down. He got a bachelor's degree completely paid for. He lived in a college town, and they would send university professors to the factory and have classes at night on-site.

    You would have to have a job at a fortune 500 company or a large multi-national corporation to get the best benefits...but some smaller places even have good benefits.

    Accidents...I have seen lots of people have them. I've seen a lot of people lose their dreams because of it too...

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