Monday, June 16, 2014

Changes, scary Changes.....

Taking the Leap….

I am not a risk taker; I have been cautions all my life. Making the decision to leave employment is a big decision, a decision I didn't
 make quickly. It is financially risky, a risk that is extremely scary for me. Even though I have made choices and decisions to make sure I will be fine while in between insurance companies I am still nervous. I am nervous to leave my job. Not because I love it but because I get a pay check. Financial responsibility is very important to me.
I switched my 2nd MRI scan from December up to October, before I leave my job, to insure everything is stable. I switched my family doctor to one that also has a Sliding Fee for that little time I’m without insurance. While making the switch to a new family doctor I combined my mental health doctor with my family doctor so all my medication will be more affordable while I’m without insurance.

I have studied, worked and reworked our budget a thousand times. We can do this—I just want to be sure.  I am still in the process of cutting cost where possible to insure we are not living too close to the edge.

My sweetie is doing all she can to make more money. She put in for, and received, a better paying position. She is taking classes and test for raises. She reassures me this is the right decision. The only decision there is for my health and the future of our family. We both want me to be a stay at home mom and having a family needs to happen sooner rather than later at this point.

Like a dear co-worker pointed out, what is the alternative? I cannot stay at my current place of employment; my health care provider has even pointed that out.

Change, even for the better, is scary.

I am still several months away from the jump but here I stand, close to the edge wondering if there really is a net. 

Monday, June 2, 2014

It’s hot and I have a pool….

 Things I wish I knew before investing the money on a swimming pool.

Opening a pool is a LOT of work and is very time consuming. We uncover the pool; bring the water level back up so we can run the pump. Chemical dumping begins and sounds of money going down the potty starts!  Then the best part—scoop, scoop, scooping. Cleaning at every spare moment, scooping the top and the bottom, which you can only do from in the pool, before work-after work and all weekend. Also make time to check the skimmer basket, backwash and rinse the pump. Did I mention this is all you get done? YUCK!

Keep in mind where you are located and the length of your summers. Being in Indiana we use our pool a total of 3 months. To me this amount of work and time is not worth 3 months of use. PLUS—the amount of electricity used to run the pump, which runs up my bill. Combine this with the use of the AC and my electric bill is crazy!

Hot tubs are a wonderful investment. A hot tub is a small self contained of relaxing fun. You put in a small amount of Chlorine after you use it and that is it really. Here we can easily get 9 months of use out of our hot tub. Unlike a pool, very little electric is used to keep the hot tub warm!

So, in my opinion hot tubs are way better choice!

The lesson I have learned!