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Thursday, March 3, 2011

Being Sick Kills the Budget


Our house has been hit with sickness the past couple of weeks.  Everyone has been to the Dr at least once.  My little 3 year old has been three times and I'm taking my 1 year old in for a second time today.  I chipped a tooth that will need a crown and found out I will need 3 fillings.  I knew I didn't have the money to get the crown or fillings so the Dentist just smoothed out my tooth and put some sort of cement on it.  Hopefully this will last until I can afford to get all the work done.

I just started a real budget, so I don't have a savings or budgeted amount for doctor visits and medicine.  Luckily the girls have Medicaid in addition to our insurance, so I don't have to pay for the co-pay or prescriptions.  But I do have to pay for Hubby and myself along with our prescriptions and OTC medicine.  That ended up being $222 ($60 for 3 co pays,  $60 for 2 strep tests and 1 blood work, $50 for dentist visit and $52 for prescription and OTC cough syrup) My girls would have costs around $150.   Thank you medicaid.

Luckily for us, the tax refund money should be here any day. So this was a very good lesson.  Now I have a monthly budgeted amount that goes toward the "Dr" fund. Looking on the bright side, I am so glad I learned the lesson now when I have tax money to bail me out. 

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