Funding medical costs, jumping the line on FFEF?

DH started his new job Monday.

Good news is we can cover everyone medically for about $450 a month.

Bad news is medical coverage is PPO. That means the first $6000 of expenses each year is on us.

That amount is about 3-6 months of household expenses, or in other words, a FFEF.

I’m assuming the smart thing to do (with our history) would be to get the FFEF in place BEFORE I resume paying off debt?


Sale!! second house

Listed my second house (have been renting it out for 3 years) for sale. There were three showings, but not the flurry of activity I was hoping for. I love the home, but need to get it off of my financial plate.


I understand the frustation – sounds like ATT and their shenanigans. The future billing aspect, and their strange system of getting one routed to autopay. I just couldn’t keep it straight when the autopay would start, it was hit with what appeared to me as a late charge for not paying on time when I thought I was enrolled into autopay and when the dust settled, I had an extra payment on the account which I clearly didn’t want the company to hold.


I had made an automatic payment arrangement to bring our cell phone bill “current”. It paid on Friday. As I was looking at our accounts, I noticed that the cell phone bill had an outstanding balance of $127.

That’s odd I thought. Oh look, it says it’s due today. I’ll go ahead and pay it.

Yeah, that’s NEXT MONTH’S BILL.

That just makes me so mad that I am so dizzy from a hectic weekend that I couldn’t even remember that. I didn’t really need to pay that bill for another two weeks. It’s money that could have gone for, say, GROCERIES, or completely PAYING OFF something else, or getting another CC “more current.”

That just really really annoys me. And it annoys me because on Friday I didn’t sit down and just pay everything at once like I normally do as I was slammed for time. Which then threw me off because I knew that “today” I needed to finish paying the bills.

ARGGGGGG !!!!!!!

That it is the cell phone bill (which frosts me anyway—because I get billed IN ADVANCE for the privilege of having future cell service) just adds insult to injury.