Things were trundling along pretty well for me - my credit was improving, I was setting some money aside (maybe not a ton, but some), and debt was slowly reducing. Then I broke my leg, ironically, one month before the new year. The reason that is so ironic is because of my shitty health insurance (thanks, Obama, for destroying my decent health plan and forcing me to get on my shitty work offered plan) - my "out of pocket" resets every January. So, at the end of 2016, I nearly maxed that out, only to have it reset 2 days after my second surgery on the leg. Apparently, it's not "per incident" as I had in my previous plan - nope, annual. Period. So, I have been hit with 2 years worth of out of pocket maximums in 6 months. I don't have that kind of money laying around.
Now I'm back to getting piles of bills in the mail that I can't afford to pay. I pay them off as I can, but the big ones end up sitting there. I'm tapped out on payment plans, too - anymore and it would leave me just way to tight financially.
Don't get me wrong, I'm still paying my bills and making it all happen. I'm still adjusting to the shorter commute and reduced commute costs now that I've moved MUCH closer to work. Even taking out a loan to cover move costs and deposits, I should come out ahead financially, but it hasn't even been a month yet, so I'm still seeing how my budget pans out in reality. Granted, I'm filling the bike up less, and certainly crossing fewer bridges, so I know I'm spending way less, but just haven't had enough time for the impact to hit my budget-mind yet (I still believe I need way more $$ to get through a week than I probably do).
If it weren't for this, I'd be doing pretty darn good right now. The money I've already spent on medical shit (NOT counting what I still owe) would have paid off most if not all of my revolving debt. I could have taken a hunk out of my payment debt, and probably wouldn't have needed a loan for the move. Instead, as the saying goes, 2 steps forward, 1 step back. Just doing my best to manage it all again.
