The Financial Follies of FrugalJo

Sunday, April 23, 2006

One Funk Leads to Another.

After a long, sick few months, I specifically remember thinking that, although being sick sucks, it's part of having little kids. I also remember desperately wishing for just one healthy week. Just one. Long enough to buy some groceries. Do some laundry. Get the snotty tissues out from between the couch cushions. Return some phone calls. Not watch Dora. After that if was fine by me if we were all sick again. Just wanted a chance to regroup, that's all.

And in way that made me think wishes do come true, I had almost two whole weeks of pure domestic bliss: I emptied our bathtub (which was being used as the overflow laundry basket and was also full). I bought some groceries and got back on the meal planning kick. I restocked tissues in every room of the house, washed the cushions with puke on them, paid the bills, vacuumed Goldfish crackers from under the kids' beds. Pure joy.

Two weeks later, on the nose -- well, IN the nose -- we all developed colds. Nothing major. We'd been through worse. We can handle this. No big deal. And then, over the weekend, Gramma and Grandpa were around, playing with Twin A and Twin B all day. Husband and I did errands, enjoyed a breakfast out together, bonded over cleaning out boxes in the garage and fully enjoyed a day away from Twin A and Twin B. It seemed that we all had a great day.

Gramma and Granpa put the kiddos to bed and as they were leaving, around 9 pm on a Saturday night, Gramma casually mentioned on the way out the door that Twin B had been having trouble breathing all day but to "have a good night!!!"

Husband and I look at each other, our shoulders deflating, and we both head to their room to investigate. Sure enough, Twin B was having a very hard time breathing. We call the nurse line and (like always) they tell us we should bring him in. Husband and I do rock, paper, scissors to determine who has to change out of their pjs and bring him to the ER. Of course, we never seem to get sick on a Wednesday at 2 pm. Nope. Saturday night. 10 pm. ER. Good times.

I lose the challenge, put on a hat, and bring him in. We sit down to register and prove that we can, in theory "pay" for the visit, and the nurse lifts his shirt to watch breathing. His chest was practically caving into his back. Tears form in my eyes, I squeeze him tighter with my eyes closed. Immediately I have flashbacks to many previous incidents with him and his brother. I'm not quite sure what happened -- maybe she pushed a secret button -- I don't know -- but in like two seconds, we were whisked into the depths of the ER. Four hours, several tests, tears and x-rays later revealed pneumonia.

After a neb treatment his breathing was significantly better and we were fortunately discharged with an inhaler, a prescription and a teddy bear from the ER "concierge service". After a trip to Walgreens at 2 am, we arrive home. Me exhausted. Emotionally drained. Twin B filled with energy, wanting to tell Daddy all about the x-ray machine.

The next day, Gramma calls to check in on us and Twin B. I tell her what happened and she tells me "I thought it could be something like that..." I took a deep breath and ignored that comment and told her that not only is it a bummer about him being sick, as we were about to head out of town for a family funeral, but the expense is going to push us over. With a $1000 deductible per person and Twin B's not met, we were likely facing a near-$1000 out-of-pocket bill due to the ER visit. Gramma says "I know! Don't you just hate that??'

No, Gramma, I don't hate that.
  • What I hate is when I don't push the basket in the coffee maker in all the way the night before and I wake up to a puddle of coffee all over the floor, the counter, and the river down the stove.
  • What I hate is when I get a rare moment to catch up Entertainment Tonight, but some stupid sports event is on.
  • What I hate is when is the battery runs out on the digital camera during at the precise moment Twin A and Twin B will sit next to each other and look the same direction.
  • What I hate is when I reach the last can of Dr. Pepper in the fridge and it's gone.
  • I hate when I'm late somewhere and have to put gas in the car.
  • I hate when my sitter cancels at the last minute.
  • I hate growing my hair out.
  • I hate when I have work to pay medical bills and can't blog as much as I'd like.
  • I hate zits in my nose. Pimples on my ass. Hangnails that rip down to the knuckle.
  • What I hate is when someone spends all day with my child, but fails to mention until they're out the door that something seems wrong with him.
These things I hate, but can deal with. But a multi-hundred dollar ER bill on top of all our previous medical bills from this winter?? This is not something I hate. This is something that changes our life, causes stress and tension and keeps us up at night. Causes stomach aches and zits in my nose and God knows where else.

I want to remind Gramma that the reason we moved from Big City to Nice Midsize City in the first place was because of gut-wrenching, collection-calling medical bills. The only place left in our world to tap money (after taking out more home equity lines of credit that should be allowed by law, borrowing from our 401ks and begging from our parents) was to sell our home. Our home in Big City that we'd spent years making "our" home.
Knowing the prognosis for our kids' health and the likely residual continued larger-than-life medical bills combined with our commitment to stay home with them won out over funky shops, hip neighbors and getting to say we lived in a trendy part of town. So we sold our beloved house, moved to a less expensive, less-funky community, paid off the bills and already have depleted the savings we kept for future incidents. Ok, FINE, I bought some new shoes, too. A girl can't lose all her funk.

No, the residual effects of money stress doesn't end with paying -- or not paying -- the bills. It impacts our entire world. And for someone, especially a close family member to dismiss that with a flip comment? That's what I hate.

About Frugal -- 'er -- CrabbyJo.

8 Comments:

At Monday, April 24, 2006, Anonymous Anonymous said...

My heart goes out to Frugal Jo. What a very trying time. Through her writing you can feel her frustration, her feelings of hopelessness, not so much in getting ahead as much as keeping up. I have six children and can relate to the exhaustion of sick children. What I can not relate to is the medical expense that goes with it as I live in the province of Alberta in Canada. Yes we do have to wait in the ER and sometimes it can feel like forever but our costs are minimal. In Alberta health care for a family (2 or more people) is $88.00/month. Prescriptions are extra but a typical round of amoxicil is about $26 - $30.00. When my son broke his arm playing football we had to wait 2 days in the hospital for surgery. Cost for the room - $0.00 as it was a shared room. Had we requested a private room there would have been a cost per night. I fail to understand why in a modern country such as the US does your health care threaten to bankrupt families?

 
At Monday, April 24, 2006, Anonymous Anonymous said...

Thanks for sharing the insanity of motherhood. I have balancing teaching of 100 kids who drive better cars that I do, trying to make life educating fun, and loving for two kids, and a husband in the military who is home about 25% of the time. It is so nice to know that I am not going insane alone!

 
At Thursday, April 27, 2006, Blogger imcaged said...

Over and over again I am sure you hear the same refrain...you just described the first 5 years of my so called life with 3 kids (two in diapers)! You make me wince, laugh, cry with joy...thank you for sharing..getting it dead on and making me lighten up a little!

 
At Thursday, April 27, 2006, Blogger imcaged said...

Oh dear Lord thank you for Frugal Jo....you make me laugh, cry, scream with delight and sigh...all in the space of a few cyberspace minutes. I am sure you have heard it before, but thanks for sharing...I have been there too...those midnight ER runs and the resulting trashing of the family budget...eeek! There is hope and life on the other side once they escape those early sick years...I feel your pain!
Thanks!

 
At Friday, April 28, 2006, Anonymous Melanie said...

I can feel your pain. We're still paying off an ER visit from 2004 . . . last payment will go out next month!

And, then, this year we went without health insurance for 6 months because of a job loss and inability to pay for COBRA. Of course, oldest had a major asthma attack requiring hospitalization and meds and we now have another huge medical bill to pay off over time.

So, you're not alone. Hope things get better!

 
At Tuesday, May 16, 2006, Anonymous Anonymous said...

Gosh, Mrs. Canadian, that is such a incredibly helpful and illuminating comment! WE KNOW,WE LIVE HERE.Most of us are aware that we are the only super power nation without national healthcare. I'm happy for you, but not really sure what your point is in sending that message to Frugal Jo at this time in her life. Seems a little bit mean spirited to me.

 
At Thursday, May 25, 2006, Anonymous Anonymous said...

Wow...and I am about to quit my job and stay home with my little girl. You and your husband are amazing for being dedicated to your family and what is best for them. I can't imagine the stress you must feel because unfortunately money is very important. This is what I am stressing about as I poor over our budget for the 100th time looking for ways to cut back. I am scared and worried about those times that you described happening to our family. As you have shown...you just get through it. Somehow! It takes alot of courage and commitment to stay at home and care for the most immportant little ones in your life. You are actually an example for people like me to follow. Thanks

 
At Sunday, June 25, 2006, Anonymous Anonymous said...

I feel for you. I have just about gone crazy with worry today over our finances, thinking "I'm going to have to go get a full time job." My husband is working FT and in school, and I work part time making good money, but it's not enough! I don't want to put my three kids in daycare, but I am worried sick over how to pay the bills.
Thanks for sharing your story. It makes me feel not quite so alone in this crazy struggle called life.

 

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