Pitfalls of the Climb

It’s interesting how just about the time a person thinks they are standing on solid ground and can breathe for a moment, the ground falls out from underneath their feet. That’s been our experience over the past few days.

'No. . . this isn't the fiscal cliff.'

 

Many companies do biometric screening for insurance credits as an incentive to keep employees healthy and well. It’s good for the employee, who can get a decent bonus to stay in shape; and it’s good for the insurance company, who doesn’t have to pay as many claims to employees who are staying well and away from the doctor. Such is the case with my company. Let’s just say, I wasn’t healthy enough to make the cut. It’s something that I am now making a full-time project and has lit a fire under me to change my habits, routines, and diet so next year the wellness credit will be mine. In the meantime however I found that the lack of said credit is more than likely going to eat up the money I save in carpooling, so there’s that.

Another challenge we’ve run across is a balance that has come due for my college course work. It was not a charge I was expecting to pay as I expected the Pell grant and student loan would be covering it. I received a refund not long ago for the amount of the balance due, so I assumed the balance was paid over and above and that was the reason for the refund. Turned out the opposite was true, the refund check they sent us was actually supposed to pay the balance that is now due and we simply had to “pay the refund back” as the good folks at the bursar’s office so eloquently put it. My eyes couldn’t roll back in my head far enough to accommodate the frustration I was feeling. In the end, we had to pay the balance due from our meager savings.

Ah yes, and to add insult to injury, my son’s “pay as you go” phone comes due every 30 days. Not every 31 days, every 30 days. Meaning that the amount is taken from our account a day earlier every month than it was from the previous month if the month had 31 days in it. Since there are several months that have 31 days in it, when that bill comes due is basically a moving target, this month it debited our account in the negative by $10.

I was hoping at the very least to have a positive balance to report once we were paid on the 15th….

cliff

I must admit, a couple of days this week I wanted to throw my hands up, stick my head in the snow and ignore it all, or freeze to death of hypothermia. I grab the rope, ready to repel, or just jump off the metaphorical cliff face in frustration, harness or no harness (a bit mellow dramatic I know).

All of these things are annoyances. Pitfalls on the journey up the mountain. Nevertheless, we have to keep going, at a slow pace, even trudging if need be. IT’S GOING TO BE SLOW GOING. Pay more attention to billings, get out the paper, write it all down, and build the budget again. Hammer another stake in the cliff face and pull ourselves back up.

 

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s