Monday, May 24, 2010

Going to "Snowflake" the Medical and Hospital Bills

We have 6 different medical and hospital bills.  I am having to get "creative" with paying these off.  I hate debt and thought how are we going to do this.  Paying a little bit on each....adds up to a lot per month AND nothing is getting paid off.  Luckily one can be a bit more flexible with medical bills than most that like to threaten you or charge high interest fees and late fees and so forth.  So here is what I am going to do, in order to get out of this medical/hospital bill mountain.

I decided to grab the three smallest amounts and pay them off...with our regular money and with a credit union very low interest credit card (this is to consolidate and pay more towards the amount of all three.)

With the three  remaining large amounts...going to pay $100 per month on each of them and the third will be paid off when I get my end of year supplement (teacher) in June (I still sent $50 to show them I am paying and wrote a note I would be paying off next month).  That leaves me with two medical bills instead of 6!!!  to focus on!  Which will allow me to pay MORE than a small amount each because I only have to think of those two.  Now, are you wondering about the charged ones?  Well...that is a bill we ALREADY pay with a very  low balance because I have set amount I already pay and will pay extra and often each week if need to be to get rid of that one (not much concerned about that one anymore). 

It feels great to know I can eliminate this debt fairly quickly.  Anytime I get extra cash (from sales on ebay or etsy)..this will go towards one of the two large bills. 
Sounds like a simple end solution but it took a lot of playing with numbers and careful consideration as to what to do with those three small bills (considering I decided to put it on the card).  It is the best solution because otherwise, nothing was getting paid off.  Stressful each month sitting down to so many envelopes...all wanting money! 

Taking  a deep breath and going to get this week started!  :-)
Have a good one!

Tuesday, May 18, 2010

Join my fan page!

I have a fan page for my Etsy Shop on Facebook.  I know, I know..who doesn't anymore?  :-)  But...I do also...if interested...would love to have you on my fan page. 

The stuff I sell on Etsy helps with small bills...would be nice if it paid large bills, but being Thrifty like myself and stretching the dollar...I know...every dollar counts and is important.   I love the items I make as it is a hobby for me. 

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Friday, May 7, 2010

Started receiving all the medical bills associated with the birth of my daughter!

Yep!  That is correct...tons of bills from this person and that...along with hospital bill.  So blessed to have insurance..would not want to tackle those bills without it.  Even WITH insurance...I am curious how we are going to pay off these things in the time frame the doctors and hospital wants them.  I have decided to pay them $50 per month Each bill until I figure it out.  They are a bunch with a total close to the $3K mark...maybe more..don't want to add them together for fear of causing me to get stressed about it. 

I have no solutions at this time, but if I figure something...I will definitely share.  Anyone out there with advice of how you handled these bills.  It just isn't possible to pay the totals when they want them.  Not complaining...just trying to figure it all out.  I know we can do it...just have to really sit and think and break out the calculator, pencil and paper!

Happy Friday to All!  :-)

Oh yeah...Happy Mother's Day Sunday to all Moms out there!

Monday, May 3, 2010

Clinique running an Online Bonus Time! Yay!

Yay! I love Clinique and even more...their bonus time!

Here is what they are doing now:
Spend only $21.50 and create your own 7-piece bonus!  That is awesome to get your own choices!

Also if you spend more than $ get free standard shipping.

I need to review what I have and what I need and take advantage of this.  Believe I am in need of the Moisture Surge (love that stuff).  I could use a new eye pencil too!  Yippie!

Clinique Bonus Link