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Liberty HealthShare – Our Health Insurance Alternative

This is my own personal post of my own personal choices for my own family’s health care. This is not a suggestion for anybody to run out and drop their health insurance policy or make any changes at all.  I’m not a health care professional or expert. I just thought this would be an interesting health care alternative to mention. If you do look into Liberty HealthCare because of this post, please email me at [email protected] so I can refer you over to get a rep to contact you for questions, but they are not sponsoring this post. They never asked about my blog’s name nor do they know that I’m writing this post. Health Care Sharing Ministries Have you heard about health care sharing ministries? They are organizations created to share the health costs of others with similar ethical or religious beliefs. Since they aren’t actually insurance companies, they don’t technically have to cover your health costs. The big ones have been around for 20+ years and have evolved through the years and I’ve been hearing from happy participants for the last few months online. Specifically, I saw a post from Michelle from Making Sense of Cents and started … Read more…

It’s Gym Membership Time

The following is another post from my in-real-life friend, Hillary.  Her last one, The Business of Polyamory, was pretty popular and she is helping me out since I’ve been traveling.  We are also planning a cruise together in April, so I’m becoming her accountability partner on her goals below so we both have a shot of getting healthier and hotter this year! It is the end of the year and the scale is not my friend. Ten years of marriage and a sedentary job have led to me carrying a spare tire with my saddle bags. Swimsuit season sounds like it’s one of the inner circle of Hell right now, but the call of a beach is so tempting. I need to lose weight without losing all my heard earned cash. Gym Membership Options Like many, I found myself looking into a gym membership. There are three main gyms located around my area – LA Fitness, 24 Hour Fitness and Planet Fitness. As I am an unmotivated slacker, I will be enlisting my husband and my friends in my fitness endeavor. This poses a few pros and cons. My husband is great with whichever option I chose; my friends however … Read more…

Affordable Healthcare is Kicking Our Financial Butts

I had never considered this before, "does maternity coverage affect your health care premiums?" I wonder if it does for my affordable care plan? Obamacare seems to have increased this lady's premiums, but her coverage is a lot better now for kids and pregnancy!

OUCH! Our health insurance premiums are jumping from $330 a month to $570 a month starting next month! I almost cried…but just pouted for several days. Ugh. Two main things seem to have caused this huge price increase. Going to Try to Have a Baby As I mentioned in passing before, Mr. BFS and I apparently do contain biological clocks, they were ticking away unnoticed, and now they have exploded like timers on a freaking bomb. We are going to attempt to have a baby in 2016 or whenever it can happen. I’ve been on the Nuvaring for at least a decade, so don’t get all crazy on me. I may not be able to have a kid, and we aren’t willing to go to extraordinary measures if we can’t just make a baby naturally. SO, I’m extra annoyed that our health insurance with maternity care coverage costs so much…it’ll be about a $2500 waste if I can’t conceive in 2016. Bleck. Make Too Much for Help We apparently aren’t the target audience for “affordable” health care. We have been making between $80,000-$120,000 of taxable income over the last several years. 2015 will be on the lower end and 2016 … Read more…

Got a Cold

Okay, so I have a cold.  It’s not awful, but it is draining.  My younger sister thinks I may have gotten it from my visit to her house, but I don’t think so since it hit so fast.  I live with my hubby who is reffing varsity football, an elementary school teacher, an EMT (emergency medical technician), and a cubicle office worker…I could have gotten it from anywhere.  Heck, my immune system has been fighting off yet another major dog bite, this one with stitches (a post on that will be coming soon), so I could really have gotten sick from anything. Fighting a Cold The current point is that I am trying to battle it off by Tuesday of next week since I leave for Fincon15 on Wednesday.  In order to do that, here is what I am doing so far: Cold remedy homeopathic pills that dissolve on my tongue.  I hate them but they work usually. Off-brand Sudafed – phenylephrine hcl 10 mg – to keep my nose from running constantly Off-brand Claritin – loratadine – to ward off the actual allergies and sneezing Showers at least twice a day since I feel better clean Hand washing all the time so … Read more…

The Dog Bite is All Healed, Woot!

Remember my post in late June about my first ever dog bite from an overly aggressive Aussie mix?  After babying it with hydrogen peroxide, triple antibiotic ointment, and changing the band-aids multiple times a day for 3 weeks, it’s finally healed!!!  That was a pain in the butt. Before and After Overall, I got off lucky.  But I’ll tell you, it’s hard to keep a finger wound clean as a professional pet sitter! I know it’s whiny to complain about a small finger gash, but I think it was just a straw that broke the camel’s back with me.  With my back issues and just generally feeling less energetic, I think the dog not liking me and then having to baby my finger just got me a little depressed. I’m still feeling a little lazy day to day, but I am back to general contentment.  And I’m really loving to play with our new cat!  She’s a real sweetie.  I think I’m going to start volunteering weekly to help me get out of my own head again.  Now to squeeze that in somewhere, LOL. Do you handle injuries pretty well?  Do you age gracefully?  I seem to be a whiner…

Living with Blindness Without Breaking the Bank

The following post is another one from our very own reader and frequent commenter, SherryH.  She lives in coastal North Carolina with her husband, their two adult children, and the requisite writer’s cats. In 2013, she survived a brain tumor that cost her her eyesight, but she’s determined not to let it slow her down.  In the past year or so, I’ve been lucky enough to get to know her better and am thankful for her friendship.  She just started her own blog, Blind Not Invisible.  Please enjoy the heck out of her second post here!!! Being blind is a little bit like having a baby. There are a million and one gadgets and gizmos out there, all claiming to be absolutely essential.  It would be easy to go broke buying things that only take up space while neglecting the true treasures. What’s a Frugal Blind Chick To Do? First, stop and assess your needs. If you don’t cook, you may never need a talking thermometer. (I absolutely love mine!)  If you only ever wear white socks, then sock organizers may not be a thing you need. Second, gather information. If you use a computer, the internet is a great source of … Read more…

Halfway Update for the 2 Week Weight Loss Challenge

I started Weight Watchers Online again on May 10th right after we returned from our cruise since I will be Catwoman at Comicpalooza this coming weekend.  Well, Catwoman may just be a tiny bit chubbier than last year since an 8 pound loss isn’t going to happen.  It’s okay.  😉 1 Week Results On May 10th, I weighed in at 168 pounds.  I was aiming for 160 pounds by May 23rd. On May 17th, I weighed in at 165 pounds.  This morning, May 19th, I’m at 164.6 pounds.  That’s an overall loss of 3.4 pounds in 9 days.  Even though I was crossing my fingers for being down 6 pounds by now, I’m super happy and will be continuing to tackle my eating habits even after this weekend. I’ve been sticking to my main goal of eating 26 points (Weight Watcher’s Points Plus program) of food a day pretty well.  I had a 35 point Friday and Saturday, but overall, I’m in control and have been feeling great!  The extra fruits and vegetables are delicious and have been cutting down on my cravings for pure carbs.  Animal crackers have been helping a lot for my sweet cravings too since they are only … Read more…