2017 Goals

by Mrs Money

Setting goals is extremely helpful for me.  I have anxiety if I don’t have a plan set in stone, and by writing down exactly what I’d like for us to accomplish makes me feel better.  Last year I didn’t set goals, but I did in 2009, 2010, 2011, 2012, 2014, 2015.

-Pay $8,000 down on the principal of our home.  We’re still in the same house we bought almost 10 years ago. That is crazy! I never thought we would be here that long.  I’m glad because my sister and her family now live next door! I can’t see us moving in the near future, although you never know.  We’re slowly chipping away at the mortgage, and that feels good!

-Save money for college education/the future for kid(s).  I would love to help provide funds for a college education for our child(ren) and will do the best we can with saving now.  I also figure by the time our kid(s) start college, we’ll have the mortgage paid off hopefully and will be debt free so that we can cash flow many things!

-Save $500 a month for retirement.  Right now, we are contributing to Mr. Money’s 401k with his employer, and we also are contributing to our Roth IRAs with Vanguard as we are able. I’d like to make sure we’re on track for retirement (especially since I am a stay at home mom!).  I think $500 a month sounds like a good number for us.  We will see if we can swing it!

-Don’t eat out unless it’s planned and budgeted for.  This is something we always struggle with.  Our whole family enjoys dining out, and we view it as a source of entertainment and pleasure.  With me staying at home, often my days are long and sometimes lacking adult interaction and just getting out of the house is awesome sometimes.  Also, not having to cook is wonderful as well.  We have started going to a house church and one thing our group does is gather for a weekly dinner.  It’s so nice to bring a side dish and dine with our friends!  This definitely helps.

-Become/stay debt free.  With our daughter’s recent hospital stays, I’m unsure of exactly how much we are going to owe, which makes me so nervous.  I hope it’s not a ridiculous amount.  I can’t lie, I’ve been worrying about it but not much I can do at this point. I am very thankful that she is feeling better and nothing more serious is wrong.

Go on a nice vacation somewhere.  In 2016 we weren’t able to take a vacation anywhere since Mr. Money switched jobs.  His work has been short staffed and he deals with a lot of crap being an executive chef.  I’m hoping that we will be able to take early vacation versus waiting until the end of the year and then he loses his vacation like he did in 2016.  It wouldn’t have been so terrible if he would have gotten paid for it, but he didn’t.

What are your goals for 2017?



Well Thanks, Murphy. Glad we Had that Health Insurance.

by Mrs Money

I probably shouldn’t have made the last post I did complaining about health insurance. As it turns out, my daughter ended up having to spend two nights at our local children’s hospital, including Christmas Eve and Christmas morning.  I noticed that she had swelling on one side of her neck on a Wednesday night. We all had been ill so I chalked it up to swollen lymph nodes and texted a picture to our neighbor who is a pediatrician (she was sick or she would have looked at her). She said it did look like lymph node swelling and to make an appointment with our pediatrician in the morning.

The next morning, I took her to our pediatrician and she agreed, that it looked like a swollen lymph node but because she’s young she wanted to make sure so she sent us for blood and lab work.  We went, had blood drawn, and waited for the results.  Of course, as a mom, I started worrying about worst case scenarios (lymphoma, leukemia, etc) and it was hard to wait for the results.  The CBC (white blood cell count) came back good, as did the crp (checks for markers of inflammation).  Our doctor said we would give it a week and check it again.  Well, the night before her check up I feared it was getting worse.  The next day our doctor agreed and sent us for an ultrasound on it at the children’s hospital.

We went at ten Friday morning for the appointment.  While we were in the ultrasound I asked a few questions and the way the tech replied made me fear it wasn’t just a swollen lymph node. She said she needed to check with the doctor to see if he needed any additional pictures, left, and was gone awhile.  She came back, took a few more pictures, and was gone for even longer.  When she came back she told me that our pediatrician was on the phone wanting to speak with us.

I honestly couldn’t really tell you what she said except it wasn’t good and we were immediately getting sent to the emergency room to see some specialists. It wasn’t a swollen lymph node. We ended up seeing an ENT (Ear, nose, and throat doctor) and they said they needed to do  a CT scan to see exactly what we were dealing with. They started an IV line, she got sent to the CT scan, and after that we went back to a waiting room. After awhile, we saw the doctor who said they were admitting us and the plan of action was to start IV antibiotics and see if that would help-it was an abscess.

We spent the rest of the night worrying about it, and at 6:30 AM the next morning they decided to do surgery.  She was taken back at 8AM and we were able to see her about 9:45AM. The surgery went well but they wanted us to stay to make sure everything was okay. We spent Christmas Eve and Christmas morning in the hospital until they released us at 2PM.

She’s doing well, and I’m glad it is nothing more serious.  They determined it was staph and she’s on antibiotics for a few more days. I’m not looking forward to any of the bills and have been stressing about it but we will figure it out somehow. I will be sure to update with what happens!

Have you ever had to take your child to the hospital?

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