Thursday, July 28, 2011

A Bug In My Margarita

Have you heard this song from Alan Jackson?  If ya go, with lyrics:

My favorite verse:

He said the rain won't leave
And the pain won't ease
And the sun don't wanna shine
And there's something in the bottom of this drink I just got
And it don't look like a worm to me

Yesterday.....we got a call from camp that Sassy got hit in the mouth with a swing (she was pushing another kid, and must have been standing too close).  And she broke off half her front tooth.  Her beautiful PERMANENT tooth.

Brought her to the dentist who said that it didn't break over the nerve, but it was close.  They were able to bond the tooth, and she looks good as new.  She said it didn't hurt too much, and she was very brave.

Of course, even with all our medical and dental bills, we are still $338 from our deductible.  Most of our bills are co-pays that don't count toward the deductible, and the stuff that does count is all Bossy.  The rest of us haven't racked up bills to hit the deductible.

So, we will now owe another $318 to the dentist.

I really do want to cry.  Say what you will about how we choose to spend our money....we really can't cut a break.  I am having one of those....We are never going to get out of this moments.

I said a long time ago that I wanted to be debt free, minus the house, by my 40th birthday.  That is roughly 3 yrs, 9 months.  Per this calculator, using rough numbers,

When will you be debt free?

Your plan summary
•  If you pay $1,595.26 a month, it will take you 3 years and 9 months to pay off your credit cards.
•  Based on your current combined balance of $64,520.00, you will pay a total of $7,306.57 in interest.
Here's what to do first
APR Current
Month 1
Time to
pay off
cc1 15.99% $4,175.00 $319.26 10 months
cc2 11.99% $12,100.00 $242.00 1 year, 10 months
cc4 9.24% $8,972.00 $230.00 2 years, 3 months
lending 7.88% $9,843.00 $425.00 2 years, 6 months
student 3.75% $28,730.00 $229.00 3 years, 9 months
medical 0.00% $700.00 $150.00 1 year, 1 month
Strategy: Pay as much as your budget allows to the credit card with the highest interest rate, and pay the minimum to your lower rate cards.

Laid out like seems totally do-able.  However, that is assuming no new general debt.  And it doesn't account for the new medical debt.   And Murphy needs to leave!!!!!!!

Plus, we haven't gotten to the car saga yet....oh, and a few work drama things...because they didn't want to be left out. 

I read ALOT of blogs.  But there are few that I read that have THIS much happen.  We just can't cut a break. 

There's A Bug in my Margarita!!!!!


  1. oh now! what a big girl --- you will not regret having it fixed....

    so sorry that everything seems to dump on you this month - lets hope august is much better

  2. Definitely been a rough month, but keep your head up! July seems to be a rough month for quite a few people but August is just around the corner and I'm hoping for a better month too.

  3. July is almost over and August is a fresh start! Just keep your head up and working hard and Murphy will leave you alone. Don't give up because it will get better!

  4. This month just won't end for you will it? Murphy needs to take a vacation that'f for darn sure! I just KNOW August will be better! HUGS!

  5. Unfortunately, August is a very emotionally charged month for I don't see it being much better.

  6. DS2 had his front tooth whapped out too when he was in Grade............3 I think. They bonded it. 6 years later, so far so good.

  7. So sorry to hear about your daughter's tooth, and I'm so glad that you were able to get it fixed. In the scheme of things, going a bit beyond your 40th birthday will be okay. I know you want to get there, but slow and steady wins the race. You WILL be debt free someday, and what a great day that will be. In the meantime, you have a family that needs taken care of, and these things will come up. (Take it from me, they never stop) BUT, we were able to get out of CC debt, a lot of it, and so will you. You are so young!!! Take a deep breath, and what the heck, have a margarita! I think I may have to join you. :)!!!

  8. Mysti, if I wrote every financial thing that has happened with my kids in the last month, I would have to face reality and go mad! I am right there with you. Take care of your baby, she comes first. So you don't pay off the debt until you are 41 you are still better off than 80% of most Americans.