Guess what? Instead of raises this year we get one week's extra pay. That comes out to about $600. I certainly do appreciate any extra money and a lump sum is nice for my mortgage plan. Now, I do owe myself around $800. I could pay most of that back but instead, I think I will put $600 towards the mortgage. If I pay myself off then I will feel like I have money and I will spend too freely. With this budget deficit hanging over my head, I might think twice about my purchases.
I went to the bank today to deposit some money and I mentioned that I would have to down-grade my checking account soon. With my current account I am supposed to have at least $15k in all of my accounts including the mortgage. Since I am down to $14k with the mortgage, I am right on the edge of the qualifying mark. They switched it and now I have a checking account that requires $5k or direct deposit. I think I can handle that for a while.
I called the doctor about the $1,300 bill that they sent me. The lady looked up my information and said,"ugh...PHCS". PHCS is my insurance. I burst out laughing because usually people aren't so blunt about my insurance. It seems like everyone hates it including me. She said that my insurance tells people that her office in in-network when it really isn't. Well, that would have been good to know BEFORE I went there. So the lady says that my insurance hasn't processed the claim yet (although I think they have because I have seen the claim form) and I should ignore the $1,300 bill. She says they will send me a second notice in 30 days and then maybe my insurance will have paid it. I don't like ignoring bills but ok, I'll ignore it for 30 days and see what happens. I hope I don't owe any of that money.
And speaking of doctors, I finally have a primary care physician. It was very difficult to find one who accepted my insurance and was located close to where I live. I certainly don't want to have to drive across town if I get sick. I waited for my appointment for a month and was warned that if I didn't show up I would be banished forever. He told me that he leaves 8 appointments open for same-day appointments for his patients. That is exactly what I wanted, access to a doctor when I actually need one. It was worth the wait.