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The budget as it stands now.


mimi

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Okay here we go. We are military so our income is after housing, utilities, medical care (HA!), dental, and military life insurance have been taken out.

 

Monthly numbers:

 

Income $2,812

 

Food: $800

Netflix and DVR: $21 (This is what is used to stop my son's self harming behavior when he is out of control)

Gas: $100

Haircuts: $40 (husband's military cut he won't let me cut his hair ;) I cut the kids hair)

Phone: $13

Tv and internet: $108

Cell phones: $40 (For hubby prepaid cell)

My fun money: $50 (using this right now to get myself new clothes as I lose weight *48lbs down!*)

DH's fun money: $50

Household: $100 (Slush fund for things like stamps, things requested from the kids school, medications needed, clothing items if needed, etc)

DH medical: $400

Son medical: $500

Car insurance: $115

Life insurance: $83

 

Total expenses: $2,420

Total towards savings: $392

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I thought Tricare was covering the new doctor for your son. Is the $500 medical for him just in case? Life insurance seems high. Is that for both of you? Does your DH have SGLI of $400k and do you have FSGLI of $100k? TV/internet seems high as well. I would call and see if they will go lower. Faster you get done, the faster you can restart retirement. Is DH getting a raise any time soon?

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Tricare is on my bad list these days. They are only reimbursing SOME of the costs. The $532 I just sent in they are only covering $382 of. I just had to put ANOTHER $500 on my CC as a down payment on the next round of testing that will be $1,000-1,500 for the one appointment then another $500 for a follow up appointment. So right now we are on the hook for all of it and holding our breath to see what tricare will send to help with it. I however can't carry those kinds of balances on my CC for the month it takes to get the reimbursement back.

 

Life insurance is for both of us, about $40 per. It is on top of the sgli and fsgli. I am over weight with high blood pressure so not the cheapest to insure.

 

The tv and internet. I agreed to up the package to include ESPN during football season then drop it in January. This of course was before we fell in the black hole of medical bills.

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I just looked our internet at the basic package is $70 per month and the tv portion is $30. Plus the taxes and all that.

 

Hubby is feeling stronger these days. He is going to talk to his therapist about going to twice a month appointments instead of weekly. He has had the CC or debit card on him a few nights this month and made no charges. He is doing really well and I am very proud of him :)

 

He sews on E-6 in February-March. That is also when he gets his 10yr bump as well. Will be about $400 more a month at that point.

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That $400 will help out nicely! Will he get a uniform allowance to help with the uniforms or is that for E-7? Also after you hit your goal weight it may be well worth it to have your life insurance do another physical to see if you qualify for a better rate now that you are getting all healthy. If anything they might be able to offer you more coverage for the same amount of $$ you are paying. You are doing a great job of holding it together sweetie. You are a rock star for your family. Just keep swimming. :)

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Also if they are only covering $382 then the office might owe you a refund. It could be that that is all they are allowed to charge you by agreeing to take your insurance.

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He will get his uniform allowance this spring I believe. He is planning on taking some of it to sew on his new rank and to get 1 new set of ABU's. The rest will go to the family.

 

I will call the office and see if there is anything we can do with the difference between the amounts.

 

Thank you Kelvan I appreciate it.

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