Brushes & Budgets

We’re just barreling through 2023 aren’t we? Debt update doesn’t sound as exciting as Money Moves Monday, so this is it’s new official name! Today on Money Moves Monday I have a few updates to share with you all. Go ahead and grab your snack, and this time…maybe some tea because I’ve got some interesting news to share with you all. If this weren’t Monday, it’s likely that a shot of something would be thrown in…

Last week, I made some pretty good progress with my money. The money moves I made were as follows:

So! I know I mentioned last week that I paid off my HELOC after considering it. I added it for dramatic effect because…why not? I just typed it out last time and now that I’m putting things in a specific format I wanted to make sure I obliged.

Now that we have that out of the way…here is how my debt is looking:

Things are looking pretty great on this front. I decided to separate my other debt from my credit card debt so you could see what does what without having to grab a calculator.

Now for the interesting part.

I got more details about my insurance claim for TMJ. I called in because I received another message stating coverage as denied because a procedure code was no longer valid. This time, I couldn’t reply to the message so I waited until Thursday morning to call. I ended up speaking with a decent agent who was very honest about what was going on.

Since I had to visit a dentist for a medical problem (legitimate information based on my insurance policy) I had to file the claim myself and it’s considered out-of-network. Well…before insurance will begin to pay for claims that are out-of-network you have to reach the deductible first. Some of you may know what direction this is taking…the deductible, is $6,000. Since December, I’ve paid $5,736 towards out-of-network coverage. This means, insurance won’t be paying for anything in regards to my claim. To put salt on the gaping wound, they’re not even considering the full amount I paid. Our healthcare in the US is totally f*$%ed.

I would love to out the insurance company but not on a public site. Sadly, it’s highly likely that other insurance companies would follow the same practice. I don’t know about you but I get tired of getting stepped on.

This means the plan that I worked through the weekend before last, is in full effect. I got my debt payoff date down to June 12, 2024. Unfortunately, the issue with my jaw pushed it out to August 21, 2024 but I will be using my savings to pay it down July 10, 2024 so I’m not so far behind. My goal is to pay it off sooner and avoid using my savings the rest of the way.

I’ll still file the appeal/grievance because they caused me an excessive amount of stress and time wasted waiting on them to make a move.

The journey gets easier, but that doesn’t mean there aren’t a few detours. This detour isn’t the first. Until next time!

Photo Credit: https://www.investopedia.com/insights/what-is-money/