Money Matters
Dear Community,

Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.

If you have questions about this, please email help@theknot.com.

Thank you.

Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.

Update

The good news is we paid off the tax bill (650) and have 1000 back in emergency savings. I have also started an IRA account and am putting in 100 a month for now. We wound up with two bills for DH's urgent care visit and hospital stay totaling 3500 more (had already paid about 300) and were able to get payment plans on both. One has a 150 minimum payment, and I am not sure yet on the other one because it's being handled by another entity now that works like Care Credit, but we have a year to pay it off interest free. 

The bad news is that not only is DH still having to go to regular visits to specialists for his kidneys and heart, he now has an infected wound on his foot. He has reached his out of pocket maximum for the year, but we still have to pay the copays and they are adding up. I am kind of worried that it's not going to heal before the end of the year, and then we'd have to meet the deductible all over again.  

I am hoping we can finish paying off what's left of the CC by the end of next month and then get the medical bills paid off by the end of the year. At least that way if we have to meet the deductible again we will not have any more debt besides the student loans. I am just hoping and praying I don't get sick or injured any time soon. We need all the breathing room we can get.

Re: Update

  • That's great about the payment plans.  Regarding health insurance, it would almost be better if you guys got a plan where everything went to the deductible and when that is met you don't owe anything the rest of the year.  But that really is only beneficial if you see the doctor a LOT, which it seems like you may.
    Baby Birthday Ticker Ticker
  • Unfortunately this is the best plan available to us. My employer doesn't offer coverage at all, and DH's pays for a large percentage of his premiums. The deductible is a lot higher than it used to be too. 
  • Congrats on getting that paid off, and for re-establishing the emergency fund. Hopefully you will have a better end of the year and DH won't end up having any more issues that what you are facing right now.
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