This was a bad week.
I made mistakes I’m not proud of but will never do again. Ever.
It all 100% stems from not having an emergency/life fund. This is something we’re working on but won’t have the extra funds to start this for a week or two.
Last week my husband was diagnosed with diabetes. Long story short, he never had a family doctor growing up-or one he liked I should say- so never went. I finally got him on with mine and our daughters, and the diagnosis came in, in 26years he’s never had blood work done until 2 weeks ago. His blood sugars are crazy high and the doctor thinks given his age and how uncontrolled they are he’s most likely had it his whole life but it went undiagnosed. Talk about scary. In hindsight is 100% explains pretty much everything that’s ever been wrong with him in the 10 years we’ve been together.
Welcome Mistake #1.
We get paid Monday at midnight. On Tuesday I get groceries, spending our weekly food budget. After hubby’s diagnosis we ended up back in the grocery store on the weekend to pick up a few more diabetic friendly foods (the man who skips breakfast now has to eat it and we didn’t have anything at home other than my cereal which he truly hates). We didn’t spend a whole lot (less than $25.00) but the fact is we didn’t have any room in the weekly spending budget to account for that. I have a slight contingency built in to our weekly monies (ie 20-30 bucks that’s not accounted for) but that was spent on the new prescriptions we had to pick up for him (Thank God we have insurance that covered 80-100% of everything or it would have cost us hundreds). Where did that 25.00 come from? Our billing account, the mistake being I full well knew our insurance was due to come out Monday. I took a gamble thinking our pay might get deposited before the withdraw happens. It didn’t.
Cost of mistake #1? $90.00 in NSF charges ($45 for house ins, $45 for car insurance) plus our insurance charges a fee of $25.00/claim so another $50.00 I seriously had ZERO idea NSF charges were so high, until this week I have never had one. So our $25.00 grocery trip actually cost us $165.00. I’m ashamed.
Hubby was put on insulin. When we went to the pharmacy to pick up his new prescription the pharmacist gave us a vial of insulin. We thought hubby was supposed to be on the pen-loaded cartridge insulin but due to some miscommunication between us and the pharmacist (he confused us greatly) we ended up leaving the pharmacy with the vial before checking with the doctor to confirm he wanted vial vs. cartridge. He wanted cartridge so we unnecessarily paid for the vial.
Even with insurance, the cost of this mistake: $14.52 vial prescription we can’t use, plus the new prescriptions, about $32.00…total cost of mistake #2 $46.52. Ugh.
This really isn’t a huge mistake but may have lessened the blow of mistakes #1 and #2. Put too much gas in the car. I have a budget for weekly gas but put more than normal in this week thinking we would be going away this weekend with the family. We’re not going away now so ended up tying about $30.00 in gas money up, it’s probably less gas that we’ll need this coming week so will even out but that $30.00 would have come in handy.
Total of mistakes: $241.52
I know people are sick of blog posts about emergency funds/savings but this is my personal blog about personal experiences and I’m just now seriously realizing the importance. Next pay, even if it’s $5.00 will be put into savings and NOT touched.
Here’s hoping for a better week next week. Happy Weekend