Refinancing

Looking at my 2019 finances, I’m a bit less optimistic than I was mere weeks ago. One reason is that my healthcare deductible is increasing. Significantly. Like, from $60 to $350.

I set a goal in 2018 to discover what was wrong with me. Whether or not I actually had rheumatoid arthritis. All signs pointed to yes. I’m still off medication, which I’m thrilled about. Really, it’s been like two years.

When I was first put on medication I could barely walk. I used a cane to hobble around, and the time it took me to get out of bed was roughly an episode of The Price is Right. I hurt, and I was slow, and before the diagnosis, I thought I was dying.

The medication let me move comfortably again, but it had its own corresponding health issues. Fatigue (occasionally severe fatigue); responses to food that I used to enjoy – now they made me sick; lethargy; increased aggression for the first few months; and liver problems. They pinballed me through all different kinds of medication, trying to find the right cocktail.

So, not needing it and showing little signs of the initial RA diagnosis, I was certain that I had been misdiagnosed. But my bloodwork last year showed elevated inflammation levels conducive with RA, along with other markers. Long story short, better for me to keep my medical insurance.

Now, that’s one expense that increased dramatically. My work is mostly on a contract basis, so that expense comes out of pocket.

How does someone living in this day and age, balancing student loan debt, the rising costs of healthcare, and basic living expenses, make it? How does one become not only stable, but successful.

My first step is a budget. And with that cornerstone, I am hopeful that the bricks will fit securely.

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