Monday, July 7, 2014

If you don't complain about your finances...

You must have a ton of money in savings?! Wrong!

So, a little over a year ago Mr. Man received a promotion.  With it came a higher salary.  That's where fact and fiction get confused.  I've noticed more comments from family about Mr. Man's salary and how now we are "Good", as in set financially.  What my family fails to realize, is that we pay all our bills and there are quite a few.  We are a single income household with a mountain of medical debt.  Add on to that the daily expenses that are not average.  I willingly volunteer, as well as a couple of my other siblings, to check up on Dad several times a week.  With that comes gas expense, food expense and the occasional entertainment expense.  We do it because we want to but that doesn't take away the financial aspect of it.  I also have a special needs child who requires weekly therapy.  We get absolutely not one penny of government assistance and our health insurance copay is useless.  Why? Well, here is the breakdown.  Our copay is $80 per therapy session.  The therapy office charges us a private pay cost of $65 per therapy session.  Therefore, it is cheaper to pay out of pocket versus go through our health insurance plan.  Add to this a large mountain of debt from my 4 of 5 surgeries within the last two years.  I refuse to complain but I'm a bit annoyed by assumptions people make.  If our circumstances were different and we only had to worry about ourselves and our kids then we would have a very nice savings but life happens.  I wouldn't want it any other way.  I love my Dad, am beyond grateful for my kiddo's progress and thankful for my health. If only my family would take a step back to realize that everyone's financial situation is different. I know I'm not the only one in this boat but sometimes in my little corner of the world it feels like it.

3 comments:

Jolie said...

The longer I have blogged, the more I realize that no one really understands the financials of another family's life, whether they appear less well off, or more so. You are doing a great job!

Lena said...

I hate when people count somebody else's money, period. It's nobody's business!!

QandADebt said...

Thanks Ladies! I appreciate it :)