Becoming Debt Free in 2009

November 22, 2008

A Financial Bump in the Road

Filed under: Budget,Debt,Kids — ambercouric @ 11:07 am
Tags: , ,

Just when we thought we were getting so far ahead and putting so much toward the car payment, we have hit a bump, no I’ll call it a snag so it will at least seem a little smaller to me. 

My older son takes medication and the other day he said that he didn’t think it was still as effective.  He needs to go to the doctor and get her to readjust the dosage.   This is normal with kids as they grow the dosage needs to increase in order to maintain its effectiveness.  Something like that, I’m not a doctor and of course I only hear every fifth word they say.

Anyway, going to the doctor is not a big deal and he wants to do it while out on Christmas break.  Smart kid doesn’t want to miss school.  Here is the problem.  It takes two visits to adjust medication.  One to get it adjusted and another for follow up with blood work and stuff.  Now  the bigger problem is the doctor is a specialist.  She was the one who was able to diagnose him years ago when no one else knew what was wrong.  She is great but she isn’t in our insurance network.  Our insurance won’t pay for us to see her.  So for years we have just paid for the visit anywhere from $150-$200 each time.  We usually see her 2-3 times a year.  We trust this doctor and until my son is out of college we will probably continue to see her. 

That was the bad news.  Now for the silver lining.  Since I don’t drink Diet Coke anymore and we have been a lot more conscious of our spending and Christmas is under budget the money won’t come out of our emergency fund.  We will not put $400 extra on the car this month which is a bit of a bummer but we have the money to pay so all is good.

***Just a note, the condition my son has is pretty rare so if I post the name of it and he does a google search he may find my blog so I’m leaving it out.  It is not life threatening just can be a little aggravating and is controlled by medication. ***



  1. glad to hear that it isn’t life threatening…

    I think that is a great idea to just scale back the car payment to pay for the specialist. Family First, right?

    Bonus that Christmas is under budget!!!!

    Comment by jpkittie — November 22, 2008 @ 11:37 am

  2. Glad to hear you son is okay.

    Good Plan. Doesn’t it feel reassuring to know that your plan is working? You can handle life’s hiccups without incurring debt and without affecting your Christmas plans.

    Comment by Money Minder — November 22, 2008 @ 12:55 pm

  3. Hi there-to your credit and hard work, you can pay this bill cash now. its a shame about the car payment, but you are soo doing the right thing, very well done.

    Comment by sharon rose — November 22, 2008 @ 3:50 pm

  4. Unfortunately life is full of hiccups. Wouldn’t want to get too far ahead, would we?! Luckily you’ve got yourself set up to be able to deal with those hiccups – congratulations!

    Comment by Mary@SimplyForties — November 23, 2008 @ 12:36 pm

  5. That’s great news that you were able to pull from one savings in order to afford the doctors visits. I find sometimes that it’s best to have a back-up for the back-up, or at least a Plan C. Pulling from your savings for a car definitely seemed like the right move.

    I hope the doctors visits go smoothly, and I’m glad to hear that your son is a-ok! Keep up the great blogging!

    Comment by FruGal — November 24, 2008 @ 7:37 am

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