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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Places to Get Fast Cash in an Emergency

by Kaylie Phelps

Life is full of surprises, and unfortunately these surprises too often come in the form of a financial speed-bump. When it comes to getting fast cash, there are many options to choose from, however, not all of these options can be recommended. That is why it is a great thing that you have already began to seek out what the wise choices are now, while the market is relatively healthy and stable. To help you begin preparing, we’ve compiled a few of the best borrowing options. We have done our best to order these options from least risky to most risky.

For each of these examples, keep in mind a maximum loan amount of about 10,000$, payable in 4-6 years.  

Family – Although it may be uncomfortable, this is the safe option out there. It helps to draw up repayment terms in order to work out an interest rate that all parties involved can be happy with.

Some family member will even offer not to charge interest rates. Family can be your best option but not everyone has family members they can borrow money from.

Quick cash loans – Let’s be honest, we don’t all have financially comfortable relatives that trust us enough to lend us money. So what do we do when we need cash from outside the family, and need it quickly? The first thing you’ve got to accept is that all other options will come with some steeper interest rates. Loan companies that offer fast cash loans might be your solution. Be wary of what will happen if you do not pay back the sums quickly, as the debt will snowball.

Personal bank loan
– The standard option is the personal loan taken from a financial institution such as a bank. Most banks will provide their clients with a loan that is not collateralized, meaning that those with no assets can still acquire a loan when in a tight spot. However, a good credit score is often an important factor in determining whether or not you can successfully secure a loan from a bank. When shopping for a personal loan, compare rates with a website like

“Bankrate” that can help you compare local banks and their interest rates.

BillFloat
– For those who would like to simply pay off bills when something comes up, BillFloat is a new service that can help. The service collaborates directly with companies such as StateFarm and AT&T.

There are two major advantages to using BillFloat as a service, their superior interest rates and low standards.  Interest rates remain at a comfortable 3% a month (or 36% APR) plus a fee of 15$. Repayment can be made approximately 1 month after you receive the funds and can be taken from your account automatically. All it takes to get a loan from BillFloat is to have a registered bank account.

Now this all may seem confusing, but an example can help clear the air.

If you need to cover a 200$ bill this week, you will end up paying a total of 5$ in interest for 30 days, with the additional 15$ fee, totaling about 220$.

So what’s the risk? Like with any debt, the risk is found in the possibility of being late. A late fee of 10$ is charged per month along with an interest rate that rises. This can all end up hurting both your wallet and credit score in the long run.

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