Monthly Archives: February 2020

We Recouped $80 in 3 Minutes

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From the children’s book “Electric Ben: The Amazing Life and Times of Ben Franklin”

One of the benefits to budgeting even after you are debt-free is that it forces you to pay attention to the expenses you incur.  If you get too relaxed, the little things will definitely add up and bite you.

I recently had an annual eye exam.  We have no vision insurance, though the eye doctor likes to submit the claim to our health insurance in case there is something medical they will pick up (such as eye disease).  Usually my bill just gets kicked right back because my eyes are healthy.

DH saw the claim pass through and noticed the high cost ($ 225 plus refraction) right away.  We both recalled having an issue with their billing process in the past.  We decided to wait until the eye doctor billed us, but you better believe we were fully ready to engage in battle!

The bill arrived yesterday and I had it open before I even got to the front door.  They had billed us their “insurance” price because they had submitted the bill to medical insurance and it was denied.  I called right away and politely said that I didn’t think that was the right price for “self-pay”.  The billing clerk said she could take 30% off for self-pay, and in a minute I had recovered 80.00.

I wondered how many people get the bill and just pay it?  Anytime you have any sort of medical or dental claim denied, it is absolutely worth it to inquire if you can have the “self-pay” price.  

Have you ever asked for the self-pay price?

 

Saving… In the Pink

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Happy Valentine’s Week! Valentine’s Day is one of my favorite holidays because I love flowers and beautiful pink and red decorations during the otherwise drab winter.

We are having a quiet weekend because DD is down with a head cold.  Sometimes it’s nice to just stay around home and appreciate what we have here instead of going in search of more.

Earning

DH received an email about a class action lawsuit against Yahoo for a data breach.  You may be eligible if you had a Yahoo account between 2012 – 2016.  We already have credit monitoring services in place (from another data breach, naturally), so we have applied to receive a cash payout (up to 100.00).  You may have received an email, but if not read more here.  Props to DH, who is a master at both rebates and responding to class action lawsuits.

Saving

I used my time at home this weekend to make cut-out heart cookies to give as Valentine’s gifts.  I was able to use some of the butter given to me by the person I am house-sitting for.

Went grocery shopping with DH on Saturday and we used up a Jimmy John’s gift card to bring home a quick lunch.  I don’t like to lose track of gift cards, but this one I have had for a while.

We came in under budget last week, and were able to put that money back into our savings, vacation, and home repair budget lines.

Watching

I am watching Playing With Fire on Amazon Prime (using my free video credits from selecting delayed delivery on packages).  I’m enjoying this documentary about the Financial Independence-Retire Early movement and one family’s attempt to get on the path to FIRE. Have you seen it? Thoughts?

It’s very snowy here tonight, so we will raid the freezer for a simple meal. Tonight I will firm up a meal plan for the week ahead and make a grocery list. This gets my week off to a good start even if we have to make changes along the way.

 

 

Heart Health Freebie

While reading my grocery store flyer for the week I noticed that Kroger-owned stores are offering a free promotion for February’s Heart Health month. You can schedule a free cholesterol, blood sugar, BMI, and blood pressure screening at your local store. Go online to see if there is a location near you! I scheduled my 15 minute appointment on Valentine’s Day, which I am following up with a trip to the dentist — LOL.

Rolling into February and Saving

The days are ever so slightly lighter in the evening and my friend’s chickens have picked up their egg production — I’m feeling optimistic for spring even if it might be a bit premature!

Saving

  • DH and I just made it under the data limit for our phones last week!  That’s $ 20.00 easy money.  I think I had been off wifi at home for a little while and that does not mix well with Instagram!
  • The last two times I have bought grass fed ground beef on sale at a particular market they have not rung it up at the sale price.  I’m on to them!  I check the price per pound as soon as they pass me the package across the meat counter.
  • I’m taking advantage of the sales on “party foods” for the Super Bowl and cherry-picking some of the loss leaders at local stores.  Frozen pizza isn’t something we eat often, but at 1.99, I’ll take one and be grateful we have it if there is a snow storm or a late meeting at work.
  • My little joy for the week was getting a bar of Dr. Bronner’s Rose soap for $2.90.  I love having a good bar of soap for my bathtub, and it smells so pretty!

Earning

I sold a Keurig machine that we were no longer using on a local mom resale group.  $20.00.  We have gone back to old fashioned Mr. Coffee type of coffee machine.  I am happy to reclaim the counter space.

Investing

When we rolled my Roth IRA over to Vanguard from Ameritrade, DH was careful to maintain our asset allocation so that we wouldn’t fall too heavy into stocks (we already have plenty of stock exposure).  With the Coronavirus affecting China so heavily, this seems like a good move for the short term any way.

Maintaining

In the “ounce of prevention is worth a pound of cure” department…..

Got the car in for an oil change/tire rotation.

Cleaned the washing machine with a cleaning tablet.

Budgeting

DH and I will usually go over out budget every Saturday night and see where we ended up for the past week and allocate any unspent money to savings, home repair or vacation.  Those are our budget categories which are always hungry for MORE!

Hope your week was good!