Financial Surprises I Hate, and Don’t Hate
There will be no Frugal Foodie Thursday post today, I’m sad to say. Instead, all I have to offer is a series of random, money-related thoughts from lately:
1) I have a glorified HMO insurance policy. SURPRISE! Or, at least it was a big surprise to me, today, when I spent 20 minutes calling my doctor, then the insurance carrier, then my benefits administrator. I have a POS, the most expensive insurance policy offered through my company. I pay $170ish per month and have a $50 copay for prescriptions.
The similarity to PPOs (read: the reason I got confused) is that you can go to out-of-network doctors. However, these doctors (here comes the surprise part again) may or may not be covered. You must ask for a list of in-network physicians.
End Result: An extra $65 to pay my doctor, for an ankle checkup in October. Fun times.
2) Tomorrow is Food Friday! No lunch-making! This, if I’m honest, is why there’s no frugal foodie post today. I’m tired, friends. Tired and lazy and barely getting food to my mouth some days, much less making something delicious. I. resolve. to. change.
End result for tomorrow: A plan to share Takeout Taxi with two coworkers. We order from cool restaurants and have it delivered for a surcharge of $5, which we will split. So I’ll spend around $12 tomorrow; it’s in the budget, so I’ll allow it.
3) Failure to plan is planning to fail. Cheesy!? It’s true, though, in a lot of life: Picking out outfits in the morning can waste an extra 10-15 minutes of time. Finding something—anything—to eat for breakfast wastes another 10-15. When I don’t think ahead, I always end up regretting it. Must. change. this. too.
End result: This week, I would not let myself buy coffee, even though I left my only travel mug at work two days in a row and couldn’t bring home-brewed with me. I have wasted at least an hour in total in my morning routine.
Looking forward to the weekend: to rest, to regroup, to plan. More later.
Filed under 9-5, food, the everyday |
2 Responses to “Financial Surprises I Hate, and Don’t Hate”
Leave a Reply
oh, god, welcome to my life.
what about pb sandwich for breakfast? peanut butter lasts forever and bread doesn’t run out that often. that’s what i (almost) always eat.
I’m just as much that way - forgetful and not being mindful in little ways wastes time. I forgot lunch a few days in a row and relied on pb and bread which I had in the fridge at work. I forgot lunch in the fridge because I was thinking of something else and grabbed the wrong box.