StacyStrong
DIS Veteran
- Joined
- May 8, 2018
Thank you! I'm trying!91.2 miles is so impressive. Congratulations.
Thank you! I'm trying!91.2 miles is so impressive. Congratulations.
Is it that you work weekends? Or don't have time to train?
Maybe you can do some virtual races like the Marvel virtual series.I work midnight to noon on Saturdays, Sundays and Mondays. All the dang races are on Saturday mornings.
Stacy, you can spend the money now on healthy food and workout gear or you can spend the money later on medicine and healthcare, right?Getting healthy is starting to cost $$$$$.
I am registering for a bunch of races in the coming months. Wonder Woman 10k, Rock n Roll 10k, Hot Chocolate 15k, Fairy Tale Challenge 10k/Half. Definitely costing quite a bit and I'll have to replace my running shoes in the next couple months.
But, I'm enjoying it (even if I'm still slow!) and these races are keeping me motivated. 91.2 miles so far this year!
I have nothing budget related to report otherwise - business as usual.
My $1000 student loan payment posted and I'm down to $1614! I'll make a $700 payment next week, plus my scheduled $100 monthly payment on April 10. I'll then need to wait until my May bill is created to know my final payoff amount (might be able to call them for that, not sure). Once I have the payoff amount, I'll send the final amount for that- probably around $825. Should be able to do that at the end of April. The end is in sight!
You should call for the payoff amount. Your May statement won't be the payoff amount because interest will keep accruing. If you call, they will give you a payoff quote that is valid for X number of days and then you won't have to worry about a rouge June statement with a tiny amount of interest to pay.
I really, really dislike insurance. Just got my explanation of benefits for a doctor visit from 2/28. Even though this was a pre-approved referral from my PCP to the only specialist in the area, it came back as an out of network visit. I called both the insurance and the doctor office to ask about it. The insurance said they have no record of this particular doctor ever being in their network, while the doctor office says that this is a new doctor to their clinic and is in the process of being added to all the insurances that they accept. Why can't insurance companies just contract with clinics and practices instead of individual doctors? That would solve this entire problem. At this point, I don't know if they will back date and correct the filing once the doctor is accepted into the network or not. It's just a pain.
in my experience unless the doctor is retro added (from their date of application) to be a preferred provider for a date on or prior to your 2/28 appointment-they won't cover it.
my insurance is NOTORIOUS for processing every claim as out of network so i've taken to doing a search on their website to find individual providers listed as preferred the day i MAKE the appointment-print a copy, then i turn around and the day before the appointment and do the same. that way if the insurance company claims it's not a preferred provider-i've got it in writing where their site shows it is, on the flip side-if they don't show the day before i call the provider's office and tell them i'm canceling (and if they put up a fuss that it's only w/1 day's notice i put up a fuss that they didn't notify me that the terms of their insurance coverage changed so 'no' i won't be paying a cancellation fee).
My problem here is that this is literally the only specialist in about a 100 mile radius. And actually, they aren't even here, the particular clinic I was referred to is teleconferencing the specialist in to do diagnosis and see patients.
One of the joys of living in the wasteland of the delta, there is no other option available.
Sounds like our start to the year with a new washing machine, a leak that caused a total of $2500 in repairs, electrician bills, $1200+ in car repairs. That was all in the first 7 weeks of the year! It calmed down for us and I hope it does for you soon too.when it rains it not only pours-it's a freaking typhoon! march has been AWFUL! first the big freezer bit the dust so about $800, then one vehicle needed a new battery at $130, then this weekend some road gravel cracked the other vehicle's windshield so another $100 for that.........but today........figured we would take the cracked windshield car in for the minor servicing needed (oil change, just check things out-not one of the big ones) and find out that we need $1450 in repairs/replacements GOOD GRIEF!
on the bright side it will be offset by our property taxes due in april being reduced this year by $150, and $125 in credit card rewards that i used as a statement credit so i won't have to take quite as much from the old emergency fund.
That would be annoying. My insurance company also requires approved referrals in order to see specialists, and they will do the search for an in-network provider, if they are going to approve it. They send out a letter of referral with the doctor's name and information on it, so I hang on to that for the office visit just in case but it has an authorization number on it and also online, although I have to admit I find the insurance websites cumbersome to look through and just want the hard copy mailed to me. Does yours provide any proof of a referral? I get living far from medical specialists, I've been in that situation before in places we've lived prior to here, and it's not fun to have to drive an hour and a half or two hours to get to an referred specialist. Even here with our overabundance of medical care, there are still occasional things I run into issues with our insurance, minor, thankfully we have insurance, but, still have to go through the process of see our PCM, be referred, wait for authorization, authorization is sometimes off where I'd expect to be seen and only on the provider list, etc.I really, really dislike insurance. Just got my explanation of benefits for a doctor visit from 2/28. Even though this was a pre-approved referral from my PCP to the only specialist in the area, it came back as an out of network visit. I called both the insurance and the doctor office to ask about it. The insurance said they have no record of this particular doctor ever being in their network, while the doctor office says that this is a new doctor to their clinic and is in the process of being added to all the insurances that they accept. Why can't insurance companies just contract with clinics and practices instead of individual doctors? That would solve this entire problem. At this point, I don't know if they will back date and correct the filing once the doctor is accepted into the network or not. It's just a pain.
I get it. I am not doing meetings this time around, but when I first did WW I remember the kinds of crazy foods people would find that had 0 points but were full of icky preservatives and weird chemicals. DH and I buy very few processed foods because we prefer fresh ingredients. We cook from scratch at least 6 nights per week. This has been true forever, not just since starting WW last week.
I'm curious, if you're not doing the meetings, what do you get from joining WW (as opposed to just following the program on your own)?
That would be annoying. My insurance company also requires approved referrals in order to see specialists, and they will do the search for an in-network provider, if they are going to approve it. They send out a letter of referral with the doctor's name and information on it, so I hang on to that for the office visit just in case but it has an authorization number on it and also online, although I have to admit I find the insurance websites cumbersome to look through and just want the hard copy mailed to me. Does yours provide any proof of a referral? I get living far from medical specialists, I've been in that situation before in places we've lived prior to here, and it's not fun to have to drive an hour and a half or two hours to get to an referred specialist. Even here with our overabundance of medical care, there are still occasional things I run into issues with our insurance, minor, thankfully we have insurance, but, still have to go through the process of see our PCM, be referred, wait for authorization, authorization is sometimes off where I'd expect to be seen and only on the provider list, etc.
I'm having issues with my shoulder that are getting very uncomfortable to deal with, I've had shoulder issues for years and it's long documented with doctor visits, medication, have been through many rounds of physical therapy. My last round ended in December, and honestly didn't help too much, some but it came right back. Considering looking into other options now see if any steroid injections will help, hopefully more imaging, and considering surgical options now as uncomfortable as it is and the constant clicking in joint and hard to do things requiring anything overhead without the joint pain and sound.