Several months ago I wrote about feeling like I was in panic mode when it came to unexpected expenses. The health care costs of having our second child are significantly more than they were with Little E & I wanted to find a way to pay our monthly $174 doctor bill WITHOUT dipping into our savings. So far we've done a pretty good job of making it work & I've found sharing this challenge with all of you makes me more motivated.
Here's what I've done so far:
- I sold broken/unused jewelry to a gold dealer & made $100.
- I returned diapers that I bought when we first found out we were pregnant with Little Baby & used the $54 toward a payment. (They weren't a good deal either, & I know better, but I guess I was just excited to purchase tiny diapers again!)
- I returned a fancy dress I bought for E & bought her a booster seat with the store credit.
- I used the $20 I earned from consumer testing toward a payment.
- I emptied out a checking account we never use, which netted us $151 toward a payment.
- I've been using the $25/week I earn for picking up my friend's son from school toward the payments, instead of using it as blow money.
- I used credit card rewards to purchase a $25 Christmas gift card which saved us $25 in cash.
- I've sent away for reimbursement through our flex spending account; that will put over $400 back in our pockets.
- I still need to apply for the rebate on JC's contacts ASAP.
- JC's applying for a rebate through his health insurance/wellness program. If he gets it that would be $500 we could use toward Little Baby's expenses (or a big girl bed for Emerson)!
- We're planning on primarily eating out of the pantry for the month of December. We'll be traveling for a large portion of the month anyway, but this could save the additional expense of groceries.
- I've been trying to be more vigilant about turning off power strips while not in use & hopefully that will continue to lower our energy bills.
I have to say, I've been thinking more creatively about bringing in money & spending & it has really gotten me excited about our spending habits. Nothing like being a total & complete frugal living nerd!