Sunday, April 26, 2015

Weekly Meal Plan and Update

I try to only set up one family activity per weekend, but I failed roundly at that and we are all worn out today. Here's hoping we can reign it in for the next few days and try to settle back in to our regular routine. In that spirit, I've tried to plan low-key meals this week.

Sunday - pasta with sausage and peppers
Monday - quesadillas
Tuesday - brats and veggie dogs (time to start grilling out!)
Wednesday - Thai chili from the freezer for me and tacos for Peanut
Thursday - tomato risotto, green salad
Friday - more grilling out
Saturday - free for all

I've been working on clearing out the fridge, freezers and pantry of all the things I stocked up on when they were on sale. I struggle with finding a balance between stocking up and using up the stuff we have on hand. Usually I make my meal plan and grocery list from what's on sale and what I have a hankering for, but I've been trying to look in the cupboards first the last few weeks and our grocery bills have been correspondingly lower.

A few other random things:
Today I hosted my last shower for a long time. There have been a lot of weddings and babies in my family  lately, but I think we've hit the end of the events I feel responsible for planning. The work was split among four women, so not too much went to any one person, but the amount of work and expense is always a little bit of a surprise.

Peanut and I spent about a quarter of what we usually spend on our credit card last month. We didn't have any big unusual expenses like dental visits or even large grocery bills (thanks to this pantry clean out), so we just managed to spend less than we have been. I think probably we spent a little more last month than average so it works out, but it was fun to pay a credit card bill that was less than $500!

I managed to put $2,500 into our new car fund already! I know we won't be able to do that for a few months as we bankroll our trip to visit my family, but I'm glad to have been able to start it off with a sizable balance. Gives me motivation to keep it up!

My insurance agent sends us $1 on our birthdays. It's a silly tradition, especially since I know it's pure marketing (which pretty much totally works on me), but I was very surprised that Pickle recognized it immediately. She's two and a half and doesn't get an allowance, and doesn't even really go shopping with us all that often, but as soon as she saw it, she said "Money for Mommy!" I hope she's picking up things like "saving money" by osmosis as well.

Monday, April 13, 2015

New (to us) Car Update!

All I can think about is my new (to me) SUV....I dream about it. I can't wait.

Except I am going to wait. For about a year.

Peanut started searching for the vehicle that's going to make me sing aloud when I drive it, and we discovered a couple of things. First, we have no idea what our car is worth - cars in similar condition but with much higher mileage are selling on Craigslist for way more than what KBB values our car. Second, SUVs are more expensive than comparable sedans (in terms of model year, mileage, condition). The only way for us to get an SUV that wouldn't be a step down would be to either deplete our cash savings or skip retirement contributions next year or take out a loan. We aren't comfortable with any of those options, especially since this is very much a WANT situation and not a NEED situation (the Mazda runs fine, after all) so we decided to try to save up enough money to max out Roth IRAs ($11,000) and pay cash for an SUV ($12,000) by a year from now.

Can we save $23,000 in 12 months?

Well, we managed to save $20,000 last year, roughly - helped out by our newest little tax deduction and a property tax refund and some other unexpected income - so we think we can do it again this year. Our savings for the last few years has been amorphous - retirement, emergency fund, just saving to save. We haven't had a tangible goal for a while, and I'm excited about that. It's much easier for me to make frugal choices when I can make the argument, "Hmmm, I can spend $8 on takeout right now...or I can put $8 towards MY NEW CAR." I only have to make that choice 1,500 times to save $12,000.

We don't have a lot of wiggle room as it is - we already are pretty frugal when it comes to daily living expenses and we won't be cutting out things like our big annual trip to visit my family. But we'll continue squeezing where we can, and also redirect all unexpected income (hello, birthday money!) towards this goal, and I think we can get there. I should put a counter up on the sidebar to keep track of this - maybe it will even help us get there early!




Sunday, April 5, 2015

Meal Plan and Plan for the Week

Sunday - creamy cheesy chicken enchiladas
Monday - chicken wild rice soup (from the freezer, brought over by my MIL when Baby Bear was born)
Tuesday - crockpot veggie chili (from the freezer - the other two batches were bad, so if this one is too, then frozen pizza)
Wednesday - BLTs and spaghetti squash
Thursday - pasta with sausage and peppers
Friday - mexican quinoa

I'm also making pumpkin nut bread and vegan sweet potato cinnamon rolls this week. Recipes can be found on my Pinterest board!

It's kind of a boring week foodwise, but we've got a lot going on. April is turning out to be a very busy month, with multiple appointments between the two kids every week. I also have something of a social life for the first time in a long, long time! And it's my birthday month, which means I will be cashing in some birthday rewards, which is always fun.

I've been working my way through a 30 days of yoga series on YouTube, as a way to ease back into being a little more active. It's challenging, physically and metaphysically. Each 30 minute practice usually takes me an hour and a half or so to complete, between all the diaper changes, boo-boo kisses, rocking to sleep, and "help" that I get during each one. I feel better in many ways at the end of it, though, and it is after all a practice, not a perfect. It'll probably take me two months to complete all 30 sessions, but that's okay - at least I'm trying.



Friday, March 27, 2015

Thinking about a new (to us) car...

We have a perfectly fine sedan. We bought it four years ago from the previous/only owner, who'd kept it in good shape. It runs well and has given us no problems. We just got new tires for it. When we bought it, we planned to run it into the ground and possibly hand it off to our children, who at that time were purely hypothetical.

And yet.

Every time I get in the car, I curse it. I've got two kids in car seats and neither of them can do anything to help me get in them. Bending over, lifting them in and out, and buckling them in just sucks. When I'm standing six inches higher on the curb thanks to the snowpack, it sucks even more.

I'd mentioned several times to Peanut how much I was hating the car because of this and how I would really love to have something that's higher off the ground so I wouldn't be killing my back every time I go anywhere, but by the time we get a different car I won't be dealing with car seats anymore. And then he boggled my mind by suggesting that, well, we could just get a different car now.

Ha! Don't laugh, guys, but it seriously hadn't occurred to me that it could be a real option. That's just what I do with cars; I'm their last owner. My first car was scrapped, my second car was donated (and probably scrapped). I assumed that the same would happen to this, my third car. But now I'm thinking of the possibilities....I could have a higher car! For reals! Just entertaining the idea makes me feel like a freaking grown-up.

We're still in the mostly dreaming stage at this point. We've tossed around the idea of getting a car loan at a low interest rate and investing the cash we would spend on it in the stock market, but after looking into the math it's obvious why everyone doesn't do this - it doesn't work (or, it might work, but it's too risky to make up for the guaranteed interest payments over a short term). We've also thought about buying a car from a non-snow state (to avoid existing rust damage) and having Peanut just fly down there and drive it back. Or I guess we could trade it into a dealership (another thing I never, ever thought I would do) and pay a small cash difference. My preference is to buy from a private seller and then sell our current car privately as well, but my time is awfully constricted right now, so looking on Craigslist and setting up test drives and all that just seems impossible. (I'm still not able to manage cleaning both my hair and my body in the same day. I take five minute showers when I can and wash my hair in the kitchen sink while one of the kids is napping. Ah, young motherhood.)

At any rate, it seems like in these discussions we're moving from "should we buy a different car now?" to "we should buy a different car now, how should we do it?" It feels really surreal, and exciting in that new (to me) car way, but also weird because it's so against the way I've thought about my life up to this point. Obviously the cheapest car you can own is the one you already own generally speaking, but there are times in your life when it's not just about the fewest dollars out the door and more about realizing, yes, but this is the life I'm living now so let's pony up and do what needs to be done to get a good standard of living for ourselves. I don't think badly of my friends when they get a different car (unless they are really stupid and drive a brand new next-year's model off the lot with no money down), so why is it weird for me to get a different car because the old one isn't meeting my needs as well as it used to?

Lots to think about. What would you do?


Tuesday, March 24, 2015

This week's meal plan and a new approach to cooking

Sunday - homemade mac & cheese, asparagus
Monday - red lentil thai chili
Tuesday - broccoli cheese soup
Wednesday - crockpot lasagna
Thursday - salsa chicken
Friday - tortilla soup
Saturday - chicken tikka masala

I've been so busy I can hardly keep my head on straight. Pickle has weekly therapy sessions again, and with the warmer weather we've been doing things like library storytime as well. It's a lot more complicated to get two kids out of the house and inevitably there's an unexpected last minute diaper change or nursing session that gets in the way. I go to bed utterly exhausted, even though Baby Bear is only waking up once or twice to eat at night now. It does make the days go by quickly, but I will be glad for a little breathing room.

One of the reasons I want some more calm time in my life is for my new project: cooking through my cookbooks. I have an entire cabinet of cookbooks, many from my days in publishing, and after the last time a Pinterest recipe failed me, I decided to stop finding recipes online and start looking through my printed books. They have the benefit of test cooks, after all! So I'm going through my cookbooks one by one and marking all recipes that I'd like to try. If we like it, it gets copied into my own personal recipe file and once I've tried all the recipes that look good to me in a given cookbook, that book will get sold or donated and out of my life. So - we're trying better recipes AND I'm freeing up space in my kitchen for something else. Yay!

So far, most of the recipes have been keepers, and the ones that haven't been great haven't been as bad as the ones I've found online. We're still eating a lot of Costco prepared soup and frozen pizzas, but I feel like I'm bouncing back to "on top of things" a lot faster after the second kid than I did with the first.

Cleaning, on the other hand.....

Tuesday, March 17, 2015

Preparation Fail

During my third trimester I got bit by the nesting bug as many pregnant women do. On the one hand, it was great - there are parts of my house that got cleaned that will probably never be cleaned again!

On the other hand, I had some pretty big frugality fails. I made a number of freezer-to-crockpot meals and baked goods that just....weren't good. It was a combination of factors: with the baked goods, I double-bagged them before freezing but one loaf still got nasty freezer burn after both bags somehow ripped. And the crockpot meals were pretty unilaterally awful. I only used recipes that I had previously made in the crockpot, but the freezing part of it just didn't work. I had made nine meals plus the components of three more, and so far three of them were completely inedible (the taste was so bad I think we would have actually gotten sick from eating them), two of them were just okay, three more were not as good as fresh, and the remaining three are hiding out in the deep freeze, most likely to be abandoned as lost causes.

UGH.

What a waste of time and money. I remember feeling so accomplished about getting those bags frozen and put away, standing on my huge pregnant feet for so long, but knowing that my future self would be appreciative. Instead, my future self was disappointed and kind of grossed out.

I am done with freezer cooking, that's for sure. The only thing I've ever successfully done was breakfast burritos and I've tried enough recipes enough times that I think I'm good with giving up. C'est la vie - but at least we'll be eating better from now on. :/

Saving a dollar vs. getting a dollar

We needed a few things from the store the other day - milk and a couple other non-grocery things - so we decided to head to Target, all four of us. Where we are, the milk at Target is a bit more expensive than the milk at the grocery store - and it's also more expensive than the milk at the gas station a few blocks from our house. We buy two gallons at a time and the savings of getting it somewhere other than Target is about $1.

We had to pass the gas station and the grocery store in order to get to Target. We debated the value of convenience - was it worth a dollar to make an extra stop for one of us to run in and get cheaper milk? It certainly isn't worth it at the grocery store - the milk is as far from the front door as it can get, and the lines on the weekends are long. And the person in the car with the kids would probably have to drive in circles in the parking lot to avoid wailing from the backseat. The gas station would probably have been less than a two minute interaction to save that dollar - and two minutes to save $1 is equivalent to earning more than $30 per hour, so that seems like it makes it very worth it.

For some reason the extra stop to save just $1 was a stumbling block in my mind. We'd be walking right by the milk at Target anyway, surely that convenience was worth $1.

But then I switched the question up in my head - would I stop at the gas station if I would actually be handed a dollar with the milk? In the end, it winds up being the exact same exchange, but the idea of stopping to GET a dollar instead of to SAVE a dollar made it a whole lot more palatable to me. I'm going to try to do this kind of thinking in other areas where it could potentially save me money - to think of exchanging convenience as GETTING money (a la working) instead of SAVING money (a la boring).

[In the end, it turns out that Target's milk prices have dropped since I last updated my price book, and now milk costs the same at all three places. I was a little disappointed at not "getting" my dollar, even though I ended up spending the least amount I could on milk AND saved two minutes.]

Saturday, March 14, 2015

Defining luxury

I really liked the recent New York Times Motherlode blog post, A Stay-at-Home Parent is Not a 'Luxury'. I have sometimes been irritated when I've been told this about our life, but haven't been able to put into words exactly why it bothers me, and the author does a pretty good job summing it up.

To some extent, of course, my staying home IS a luxury - there are many families where two incomes are required simply to provide for basic needs. But in comparison to most middle class families, it's simply a matter of priorities. We don't go on nice vacations. We don't have game systems or cable. Our kids don't do things like music or tumbling classes or immersion preschools. Why are those things not considered luxuries?

My staying home means less income, and it also means less spending on things that are just for fun. We live comfortably, for sure, but I don't feel as free to spend (especially on myself) as I did when we had two incomes, and we weigh our large purchases a lot more carefully than we did in the past. If my staying home is a luxury, it's because we gave up other luxuries that are more often considered necessities - cable and takeout and enrichment classes and weekends away. It's all relative.

Friday, March 6, 2015

Women's Money Week 2015: FMLA pays how much?!

It comes as a pretty rude surprise to a lot of people that even if they qualify for FMLA, it's not what they think it is.

FMLA itself is unpaid. Meaning, no paychecks. Meaning, no retirement contributions and no PTO accruing. Meaning also, your employer is not required to pay your non-salary benefits. If they provide health insurance, for example, they are required to keep up the policy but they are not required to pay for it. So, you might get a bill for your portion of the premiums during the twelve weeks that you are also not earning any money. Yes, this is legal. (Most employers simply deduct the amount owed from your paychecks after you return to work - but if  you don't return, you might have to write them a check!).

FMLA is a maximum twelve weeks of leave, which sounds like three months - but if you look at a calendar, it winds up being quite a bit less than three months, at least in the life of a baby. It also means that you're going back to work right around the time your baby stops being a potato and starts being a real person with smiles and coos and everything. During that twelve weeks, you have to recover from giving birth, figure out how to function on the least amount of sleep you've ever gotten in your life, "get your body back" (grrrr), learn how to take care of a baby, and find a daycare, if you weren't ahead of the game and taking care of that while you were still pregnant. And all those late third-trimester nesting urges are well and truly gone, so just forget about organizing the guest room closet and finishing your novel while you're off work.

Sometimes, women get disability pay while they are on maternity leave, but this is an insurance policy, not anything to do with their actual pay from their employer. Disability often works like this: you get 60% of your salary for six weeks (vaginal birth) or eight weeks (c-section), but for the first week of your leave you have to use vacation days or unpaid leave (so you really are getting only five or seven weeks of 60% of your paycheck). Also, that disability pay is taxable - but they won't withhold the taxes on it, so you'll have to pay them at tax time the next year. Luckily your precious new tax deduction will probably even things out, but it still makes doing your taxes kind of a headache, and is not the kind of thing you remember when you are sleep deprived.

Regardless, you've got about two and a half months where you're either getting nothing or about half of what you used to get coming in. How do you manage financially?

In our case, we had already been basing our living expenses off of Peanut's income, and using mine to supplement things like retirement and emergency savings. Dropping down to actually living on one income was scary but showed us that we could in fact manage with me not working if it came down to it (as it ultimately did).

This is my best suggestion for family planning: if you are a two-income household, learn to live on one income (ideally the lowest, but realistically whomever's is least likely to disappear). Use that second income to pay off all consumer debt and build up an emergency fund. Being prepared to lose that second income (even temporarily) makes it a lot less painful.

Another tip: keep an eye on your bank account while you're on leave! Someone in HR forgot to notify payroll that I was on unpaid leave, so I kept getting paid - and it took several weeks for me to notice it. I let them know and had to repay it, and they had to send corrected information to the IRS and my retirement account holder, and ultimately it was fine but something I really didn't need to be dealing with.


Wednesday, March 4, 2015

Women's Money Week 2015: Not Qualifying for FMLA

It might be Women's Money Week, but paternity leave affects women too. FMLA covers family leave for men AND women, but few men take full advantage of it, even when they qualify. There's a lot to be said about the sexism exposed by punishing employees who take all the leave they are qualified to take when they have a child (or are caring for a sick spouse, or other things that FMLA covers), but that's not something I'm taking on today.

Today I'm going to talk about what happens if you aren't covered by FMLA.

Peanut's employer is very small - there have been about a dozen employees during the four years he's been there. Their size means they aren't required to offer FMLA to their employees - so basically, Peanut was legally out of luck when it came to job-protected leave when our children were born.

Luckily, the fact that it's a small, close-knit company has some other benefits. In his case, employees are trusted regarding their PTO - there's no formal record keeping involved for vacation or sick days, and the owner of the company trusts his employees to be at work when they can be. Peanut wanted to be at home for a little while when both of our children were born, and he was able to do that without it counting against his regular days off. With Pickle, I seem to remember that he was home for two full weeks and then took a day off each week for the next eight weeks to help me take her and her 25 pounds of medical equipment to our various appointments. With Baby Bear, he took a few days off right at birth (two maybe?) and then stayed home for two weeks (which happened to fall during the holidays), and has also taken a few random days off here and there to help me out since then.

We're lucky that this small company is family-friendly and that he was able to take this time without repercussion or even using up vacation days. There aren't a lot of families among his coworkers yet, so I like to think that we are blazing a trail of expectations regarding a man's time off at the birth of his child as well. Peanut had an honest conversation with his boss about what would work best for our family, and that has served everyone well in our situation. If your employer doesn't offer FMLA, try asking for leave anyway - they may not be legally required to provide it, but they might be willing to do so anyway.

If you're the parent giving birth, you really do need to take some time off. Even a vaginal birth requires recovery time, and if you breastfeed, you'll be unbelievably sleep deprived for at least four weeks, more likely six. And if you're the parent who didn't give birth, you should still take some time off if you can. Caring for an infant is mindnumbing work, but there are also beautiful moments of building a family during this time, and I'm glad that Peanut was able to be there for it.

(Now, that said, I will be honest: two weeks was the right amount of time for both of us to be home full time. Beyond that, people start getting stir-crazy and irritating to each other. Even when they love each other dearly.)

Next up: FMLA is unpaid - how does that work?!



Monday, March 2, 2015

Women's Money Week 2015: My Parental Leave

Welcome to Women's Money Week 2015! This year's topic is Parental Leave, which is something I have some strong opinions on.

I was working when I became pregnant with my first child. We tried to time the pregnancy so that I would qualify for FMLA leave, and we planned for me to go back to work. As a quick refresher, FMLA provides 12 weeks of unpaid, job-protected leave for qualifying employees (you have to be employed full-time at your job for at least one year, and there are other criteria which you can find here - as you can see, it's very easy not to qualify for leave). My employer was required to offer FMLA leave, and I did qualify once I'd been there for a year. There is no additional state mandated leave where I live. I also had a disability policy that provided 60% of my salary for 6-8 weeks following giving birth.

Pickle was born unexpectedly 25 weeks into my pregnancy - 15 weeks before her due date. If you do the math on that, you can see that I didn't even have enough maternity leave to make it to what should have been her birthday before I had to go back to work. I had to take some leave right after she was born - I was recovering from a c-section and had a baby in the hospital, after all, and the disability benefit only applies immediately following birth. So I opted to take the maximum time off that I could to get the most disability pay, which was eight weeks. Leaving me with just four weeks banked to take when my daughter eventually came home from the hospital - not just a newborn, but a medically fragile newborn with multiple doctor's appointments each week. Not only will most daycares not take infants under six weeks of age, but we didn't think we could find one that could handle a baby on oxygen and a feeding tube - AND we were under strict orders from her pulmonologist to keep her away from other kids for a year anyway. We couldn't afford a nanny.

I quickly realized that this was impossible. So I tried to quit my job.

My wonderful employer offered me something that I didn't even think to ask for - six additional months of unpaid leave, beginning whenever Pickle came home from the hospital. Six months seemed like enough time to get her health stabilized, get us through cold and flu season, and get used to having a baby around.

As it turns out, Pickle's health did not improve enough for me to go back to work when that six months was up. She had surgery the week before I was supposed to go back to work, and her day to day care still requires more skill than I am comfortable handing off to someone who's not as invested as her parent is. I was very sad to give notice at my job, especially given their generosity to me. They didn't have to keep my job on ice for as long as they did, and it probably created some big headaches for them. It's the kind of thing that doesn't happen very often in America, I suspect, where mostly we hear about people being unfairly denied leave, or not having the criteria thoroughly explained to them in order to make informed decisions about their family planning. I felt valued by my employer, and when I'm ready to go back to work, they'll be among my first inquiries - and you can probably guess how loyal I'll feel to them if I were to work for them again.

Up next, something else that happened in our family: what if you don't qualify for FMLA?

Sunday, March 1, 2015

This Week's Meal Plan and a Round-Up

This week's meal plan:

Sunday - baked potato pancakes, sweet chili glazed salmon
Monday - Mexican quinoa
Tuesday - slow cooker lasagna from The Can't Cook Book
Wednesday - Chicken tortilla soup (Costco!)
Thursday - Minstrone soup (Costco!), Red Lobster cheddar biscuits
Friday - BLTs

Check out my pinterest board Sous Chef for links to the recipes.

Financial Round-Up

* We filed our taxes today. We're getting a hefty refund back - it looks like Peanut's withholding never changed after Pickle's birth even though he's pretty sure he filed the paperwork. And now with our second little tax deduction, well - we're getting a big deposit pretty soon from both federal and state. We'll use it to fully fund Roth IRAs for us both, and make sure the paperwork gets filed this time.

* We're pretty sure the error was at Peanut's company because they also messed up his Simple IRA pretty bad this year - the payroll company took the money out of his paycheck but didn't deposit it into his IRA more often than not. His boss caught the error and it has been corrected, but now we actually have to check each month that his contribution has been made.

* We also get a property tax refund separate from income taxes. I wish there was a way that we could keep this money in our accounts rather than giving an interest-free loan to the state, but it looks like that's not possible.

* We bought a new washing machine a few weeks ago and have had to have three service calls on it already. A part was bad when it was installed, and since that part was replaced, about half the loads get unbalanced and create an unholy racket throughout the house. I'm waiting to hear from the main office of the store we bought it from tomorrow - I'm hoping they will just replace it instead of setting up another repair call. I think it's a lemon.

* I got a Target Red Card a few months ago to save 5% on all our diapers (cloth diapering is sort of a pipe dream right now). Their online interface is the worst I've ever seen, and the amounts of the purchases don't match what I put into my spreadsheet. I'm going to start saving all my receipts and ask their customer service if they can print off old versions of the receipts that don't match. Something's fishy and it's driving me nuts. Is it worth it to save 5%? I'm not sure.


Saturday, February 21, 2015

The financial implications of a third child

I have zero business thinking about having a third child at this point in my life, but you wouldn't believe how soon people started asking me if we were done or not. (Let's put it this way: I hadn't left the hospital yet.)

It's easy to be all, ha, ha, whatever about it, but I came to the startling realization that the jump from one kid to two kids is VASTLY different from the jump from two to three, at least in terms of finances.

Bigger house
Our three-bedroom could technically house more kids without complaining too much, but not for long, I don't think. The bedrooms are small and not conducive for sharing between more than two kids, and I don't like the idea of being on a different floor from tiny children. Also: one bathroom. (Okay, 1.5 - still one bathtub/shower.) As it is, the four of us sleep in four different rooms in order to maximize the amount of sleep everyone is getting, and I don't know how that would work with a fifth person. Who'd be sleeping in the kitchen?

Bigger car
Non-negotiable, we'd need to buy a larger car. Ours can fit two car seats safely but not three, and not two car seats and a person in the backseat. And Peanut's Jeep - well, there will be no kids riding in that thing until they're old enough to drive it. Minivan city. (Plus higher gas prices...would insurance be lower or higher on a mom-mobile?)

Replacing instead of reusing
Baby Bear is currently using Pickle's old bucket seat, but this hypothetical third child might need his or her own new car seats due to the expiration dates on the plastic parts. I have bought three car seats already; it pains me to think of buying more. (We have a portable infant seat and two convertibles - because we already know that Pickle will still be small enough to need one by the time Baby Bear outgrows the bucket.)

Insurance
When updating our beneficiaries, I thought about whether we needed to up our life insurance policies as well, but figured that they are generous enough to be split between two kids in the unlikely event that something happened to both Peanut and I. (Pickle may disagree if it ever occurs to her that she would have been the sole recipient until just a few weeks ago....). But add a third kid to the mix and we'd definitely need to rethink that.

College tuition, weddings, etc.
I can't even bear to think of it.

While we wouldn't make the decision to have another child based on finances alone, the question "can we afford it?" would have to be very carefully looked at. I don't think it's something we even thought about when we decided to have a second.


Wednesday, February 18, 2015

That Good Old HDHP

We've had a high deductible health plan since 2012, but in a way this is the first year that we're really experiencing what it's like. Since Pickle was born, she has been classified as disabled by the state, and receives medical assistance as a secondary insurance. They cover any bills that our primary insurance doesn't cover, which is only the deductible ($3,300) and 20% cost sharing up to an additional $3,300. Most years, we really only have her medical expenses, so we haven't had to spend much on medical care despite having a high deductible health plan. (I should also note that we pay no premiums, as those are covered entirely by Peanut's employer.)

This year, that's different - Baby Bear and I have both had doctor visits, and I had a lovely trip to urgent care for food poisoning and mastitis last week. We'll have to pay for all of that out of pocket - I remember being kind of slumped against the check-in desk wondering rather bitterly what this fantastic evening was going to cost me. It was an inane thing to be thinking about, because a) I really, really needed antibiotics and b) it'll all even out in the long run - I essentially got two pregnancies and deliveries for free, so it's probably time I started paying some bills!

It's going to hurt opening those bills when they show up, but I'm trying to remind myself that this plan is actually a good thing - we already know the maximum amount that our out-of-pocket medical expenses can be for the year and I know that they will actually be less than that (since Pickle has had an appointment as well, and has more scheduled for the early part of the year, and those will be covered by MA but will count towards our deductible and out of pocket). It's nice that it's a known entity, so that we can save up in anticipation (and use a health savings plan to get some tax savings on that money as well). In the grand scheme of things, $6,600 a year for the excellent level of medical care we've received is an absolute bargain.




Tuesday, February 17, 2015

This week's meal plan

I'm trying to get back on the meal planning wagon. I fell off of it with aplomb after Baby Bear made his appearance, but I've been getting back into the swing of things, and there's nothing like accountability to help keep me on track.

Here's what we're eating this week:

Sunday - Mac & cheese, steamed broccoli
Monday - Mexican quinoa
Tuesday - crockpot chicken pot pie soup and biscuits
Wednesday - salmon and baked potatoes
Thursday - crockpot salsa chicken, rice & beans
Friday - BLTs
Saturday - fried rice