Saturday, April 20, 2013

Steve is Having a Bad Day...or Is He?

Stolen Borrowed from my friend Jeff over at the West Virginia Surf Report, here's a video of a woman doing "Man on the Street" interviews.

Watch this and imagine yourself in that woman's place.
Seems "Steve" may have been off his medication that day!
Either that or he just came out of the Hard Rock Café(behind him)after seeing his bill there.....

8-))

**Slight bad language warning**
Please return all beverages to an upright position before viewing....



Sluggy

Thursday, April 18, 2013

Saving $ on Clothing a Disgruntled Teen


I don't go shopping often.
When I do it's usually a need.
#2Son was in need of Summer clothes as he's grown out of last years togs.
So unless I want the boy to go nekkid this Summer, yah.....bigger clothes are a need. lol
So Hubs took us down to Kohl's on Saturday with the teen so he could try on shorts and such.

You would have thought I asked the boy to endure hours of torture on the rack!
Take him to a store, buy him stuff(he gets to pick out!)and take him home.  He is so mistreated, isn't he?

After an hour or so of sighing and eye rolls, we left with 4 pairs of Levi and Urban Pipeline shorts, a Vans shirt, a Marc Jacobs shirt and a Rocko's Modern Life t-shirt for the Daughter.
The bill came to $127.
I had a 20% off coupon, which made the bill $105.88.
I used 2 x $50 Kohl's gift cards to pay.....though they weren't "free", I had gotten them at Rite-Aid last year during a +Ups Promo, so they were paid for out of last year's money AND I had gotten $20 in +Up Rewards to spend for $20 worth of free stuff at Rite-Aid last year.
So I ended up paying $5.88 for the 7 items of clothing.

And then, for spending $100, I received a $20 Kohl's cash to use later this month.
So in the end I "spent" $105.88 and got $40 in extra script and 7 items of clothing.

And except for maybe some sandals, I am done spending on teen clothes until Fall.

Always trying to work the angles here, even when hooked up to oxygen and pulling it around behind me in a store.....

Sluggy

Monday, April 15, 2013

My Life as a Water Balloon




Here's my story about the latest crap that has happened in my life.
Pull up a chair and pour a cup.....this is going to take awhile.

First let me say that I am not in the best of health.  I have chronic conditions that necessitate that I make regular visits to my doctor.
Sometimes that's once a month, sometimes I can go about 3 months before needing to be seen.
I was under the care of a doctor that was monitoring my health, or so I thought.
I have high blood pressure and I'm overweight.
I am prone to develop cellulitis in my legs. About 5 years ago I was in the hospital for antibiotic therapy for it. I also have a swollen foot.  I've had it since #2 Son was a baby.  Stuff doesn't circulate in and out of it well, so it is always swollen.

I started feeling not quite right sometime in January.  Just more tired and lethargic than usual.  I started having trouble climbing the stairs in the house.  At my Jan. visit to the dr. I mentioned it and nothing was noted and no action was taken.
Then in February I noticed that my legs were swollen, I was even more tired and I was having trouble breathing, especially at night in bed. The last of this also meant that I was waking up at night constantly(which would explain why I was so tired; I was not getting deep, restorative sleep.).
I didn't have an appointment in February and thought these symptoms would keep until my appointment in March.

Also in February, #2 Son got sick with a sore throat.  After more than a week and no improvement, I called late in the month to make a dr. appointment so we could rule out strep and/or get some drugs for it.

Some background information before I continue.....
Our doctor had recently undergone a total office reorganization with a new receptionist, new nurse, new business manager.  I got off on the wrong foot with the receptionist.  She is a little 20 year old and came into the practice with an attitude and the ego the size of a doctor's.  Her first day on the job she argued with me(though she didn't know anything about the practice or my insurance copays)and insisted my copay owed was double what it has been for the last 2 years.  The office never updated our insurance information file so instead of taking to me like a person, smiling, and trying to figure out why her information wasn't lining up with mine, she stood there and just proceeded to bark at me that I owed $XX because her file said so and I was NOT leaving until I paid it.
Yes, she pissed off this family of 5, who had been longtime customers for the last 12 years.
Great new support staff, huh!

So back to February.....
I called for an appointment for #2Son and I get a voicemail, so I leave a message to call me back about setting up an appointment.
And no one returns my call that day.
So I call the next day and get the voicemail again and leave another message.
Late that day I get a phone call from the Nazi Receptionist.  She says that I can't make an appointment because the doctor is out of the office all week and she doesn't know when he is returning.
Huh?
So I ask her to give me the name of whoever is covering for him.  NR says that he no longer has another dr. or group taking his patients.
So I ask her, so what do I do?
NR says to go to an Urgent Care or the ER.
And she says it in a snippy, exasperated tone, like she is talking to an imbecile.

Now let me give you a little background about my doctor's office.  Up until this shake up at his practice, the doctor has always had a voicemail message that said, "We can't answer the phone so leave a message. If it's a medical emergency, call xxx number and I will return your call right away or go to the emergency room."  If he was on vacation, the message would also have the name and number of whichever doctor was seeing his patients in his absence.

The new voicemail message was just "This is the office of xxxx. Please leave a message."
So I lay into her........first off, nobody called me back for a day and a half.  If you had put a voicemail message up that noted the dr. was out of the office for an extended time period and there was NO coverage being provided by another doctor I could have not sat for the last day and half doing NOTHING to get my son better, I could have sought treatment elsewhere sooner and had him recover sooner.  Not only that but since Dr. xxx has chosen NOT to have a doctor cover for him, I am going to have to pay more to go to an Urgent Care or an ER, even though he doesn't need that level of care.
This is just bad office management.
All she said was, "I'm sorry".  And she said it in a very cold and unfeeling sort of tone.
So I screamed into the phone, "You are NOT sorry.  Your 20 year old ass couldn't care less!"
And I hung up.

So #2 Son went to Urgent Care and $20 worth of antibiotics later he was over his strep throat.
But I was still not feeling well.

By March, I am feeling progressively worse.  I now notice that my stomach is getting hard and swollen.  It's so swollen that I can hardly get behind the steering wheel.  I don't have a scale so I can't weigh myself.  I hadn't changed my eating habits so I don't think I could have possibly put on that much weight in 1 or 2 months. 

Thankfully I had calmed down by the time my next doctor appointment rolled around in March.
I walked into the waiting room and noticed right off that most of the furniture is missing, as well as the magazines and the artwork on the walls.
I checked in and sat down.
And a few minutes later the nurse comes out and I ask her what's going on with the furniture.
She tells me the office is moving.
Huh?
Evidently they are moving down the road about 1/2 mile into a small house that was being turned into a doctor's office.
And they were starting to see patients the very next day at the new location.
And nobody had ever mentioned the change in location to us!
Good thing my appointment was not the following day or I'd have showed up here to a locked door.

About then the doctor saunters out into the waiting room, which is empty except for me.
He sarcastically asked how I like the new look of the waiting room.  I said fine except there are no seats.  He mentions they are moving and then goes over to the Nazi Receptionist.  I listen to them a bit and honest to goodness, he is flirting with her!  He's not talking business......he's talking about her skirt and how she should wear her hair and I feel like I need to go shower I'm feeling so icky.

I get called back by the nurse and she takes my blood pressure and temperature.  She doesn't weigh me(nor had they during my last appointment).  I tell her about my breathing problems and the swelling in my middle and she puts me in an examination room.

When the doctor comes in instead of asking me how I am feeling and what my complaints are, he talks about the new office, asks me what I think about the receptionist(isn't she cute?) and then goes on to tell me he is going to buy a little house on a river and go fishing and he'll bring me some fresh trout.
???
I notice that he is slurring his words and just sounds goofy, beyond what he is talking about, which is also goofy.
He does listen to my lungs and doesn't say anything is not right.
He goes off on a tangent, asking me about my Daughter and college and then without another word starts to leave.
I stop him and tell him my complaints.  He writes an order for a respiratory test and leaves.  Never even examined my middle or my problematic legs which are very swollen.
He tells the Nazi Receptionist I am to come back in a month and goes back into his office.
I make an appointment and go home.

Over the next few weeks I continue to feel worse and worse.
About 10 days before my appointment, my daughter says she tried to make an appointment with the doctor for a check-up(before she leaves to go to Louisiana)and she got a voicemail that the doctor was on an extended medical leave of absence with no other directions or information.  I guess he still had no doctor covering for him.

2 days before my appointment I called to confirm it and I got the same voicemail about being on medical leave until further notice.
You would think the office would be calling and telling patients with appointments that they were not going to be honored!
At this point I told Hubs that I can't wait to see this doctor any longer and he needs to take me to Urgent Care.

So he gets off work a bit early and take me to the local Urgent Care.
They have since stopped doing x-rays at that Urgent Care so they tell me to go to the ER.
So we toddle up to the ER.  I tell the front desk triage nurse I am having problems breathing and take a seat in the waiting room, which is packed.

There are 3 ways to get seen right away at an ER--Be in active labor, be having a heart attack or stroke, or not being able to breathe.
The nurses called me back about 5 minutes later.
My oxygen saturation at rest on room air was 88%.  I was weezy and swollen.  Even my eyelids were swollen.

I spent the next few hours being poke and prodded, stuck with needles and given meds.  Something or other important was 1000% the level it should have been.
I was admitted.  I was filling with fluid and going into right side heart failure.
I ended up spending 24 hours in the ER waiting for an open bed on the cardiac floor.
The doctors there feel I have severe sleep apnea(even though I had a sleep study done 8 yrs. ago and they had no recommendations since it was a mild case).  The apnea leads to fatigue, less oxygenation, which leads to the heart working harder to reach all the cells and supply oxygen rich blood, which leads to fluid  retention and breathing problems....or something like that.
It's all a big vicious cycle, or should I say a big vicious spiral that leads to death if not treated.
Not fun.

After multiple diuretics in the hospital I lost 18 lbs. of fluid. 
I am required to keep to a low sodium diet, since sodium makes you retain fluid.
I am also on oxygen 24/7.  And a slew of drugs.  And I have a bonus of a slew of doctor's appointments in the coming months.


The restrictive sodium diet is why I am having to change my eating habits. 

I've been home 10 days now and I've dropped an additional 22 lbs.  I suspect it's mostly fluid and not "weight" so far.  My swollen foot is no longer swollen.  My legs and middle are no longer hard and taut, my eyelids are normal again and I can fit behind the steering wheel in the car again. ;-)
My oxygen saturation on room air in the hospital dropped to 56% when they walked me down the hall.  The Advair(mediation)helps and I hope to get off the oxygen eventually.

Now here's the crazy part--
While being examined by the nurse assigned to me in the ER, after they had decided to admit me, they started getting my medical history and doctor information.  When I told her who my doctor was, she just stopped and looked at me, then said, "Oh!"
I said, "What?".
She said, "Didn't you hear?  He lost his license."

It seems that in this little town, if you are "special" and get into legal trouble, it is covered up.  And when it does hit the newspaper, weeks later, it is buried deep inside next to the travel ads and the bingo parlor hours.

Here is from one paper online
Doctor arrested

Here is from another paper online
Doctor arrested

All I can say is Medical Leave my ASS!!!

I've since heard he was abusing prescription drugs and/or giving out fraudulent prescriptions.
We do know that he has been seen drunk in various restaurants in town.
This all happened in late Feb., about the time I was trying to get an appointment for #2Son for his strep throat.
Of course, I don't read the local daily papers(just Sunday's edition). 
I guess things didn't go well for him at his hearing since the nurse knew he had lost his license to practice.

And it's no wonder I ended up in the state I was in.
I didn't have a competent healthcare provider now, did I?

And add in to all this fun that my computer died the day I went to the ER.
Thoughtful Hubs went out and bought me a brand spanking new laptop.....my first laptop, while I was in the hospital.
So I came home to yet another challenge.....learning the ways of the laptop AND Windows 8.
Ugh!

So that's what I've been up to.
I've had my fill of excitement.....bring on boring for a change!
What's new with you?

An addendum to the story--
I just got a letter from our insurance company informing me that my healthcare provider is no longer participating with our HMO.
Really?!
Ya think?
8-P

Sluggy





 

Sunday, April 14, 2013

Young Love!

My Daughter bought her first car this weekend.

A 2002 Hyundai Accent.


I don't think I've seen her smile so wide before!
She's in love.......

And since she bought the car, she has her own policy and is off our car insurance.
Woohoo!!
One down, two more to go..... ;-)

I just wonder how she's going to fit all her stuff in that cute little car when she moves to Louisiana?

Sluggy
 

Friday, April 12, 2013

$20K Savings Challenge.......March Update

In our family we save money.
It is important to us to put money aside for "rainy days".  You know.....those unexpected days when things happen in your life that you can't plan on, but that DO happen and they cost you money you didn't know you'd need to pay out.

Our income is mainly the salary my Hubs draws from his job.  We have money taken off each paycheck from the top to put into savings, before we even get our hands on it.  This money that's taken goes into various pots....life insurance, investments and retirement savings.  It's automatic so we are never tempted to NOT put it into savings.
Once the automatic savings, plus taxes and medical/dental/vision payments are taken out, it leaves what we get to "live on".  From this amount we budget for bills, both monthly and irregular bills(semi-annual, etc.) and our variable bills(like food, eating out, etc.)  Anything left over once our monthly expenses are paid, I put aside into a Savings Challenge. 

For 2013 I am continuing my Yearly Savings Challenge.  I am going to keep the Goal amount at $20,000 again this year.

On to the March report.....

I have posted my MARCh End of Month $20K $AVING$ CHALLENGE Totals.
Check out the side bar to your right for the specific numbers.

I have 2 goals each month.....
The 1st is to actually finish each month in the black and not the red.
The 2nd is to hit the targeted savings amount of $1,666.67.

I have to report that we finished up March in the black!
The extra cash amount we ended the month of March with?.......$1,352.60

Income
We had $1280.04 left over from our income after our monthly expenses were deducted. 
Add in 2 quarterly dividends, some bank interest and a rebate check, and we get another $122.56.  This brought our gain to $1,352.60 for March.

Outgo
As for the expenses this March, here are the good and the bad side of things....

HERE are the GOOD THINGS
*  The water bill was $13.18 lower than Feb.
* The electric bill was $99.82 lower than Feb.(Our heat is electric.)

HERE are the BAD THINGS
*  The credit card bill went up $98.91(but was still paid off at month's end.)
*  The cash withdrawals were up $200 over last month.
*  The doctor bills were up $67.05 from last month.
*  The long distance phone bill was up $4.01 from last month.
*  We owed $44 in state taxes.
*  The yearly sewage bill was paid this month.
*  The yearly local taxes were due this month.(I received a discount from paying them before April 1.)

The Food Budget costs for MARCH are in another post, which is located HERE.
We managed to stay well within our $400 food budget in March.

The 2013 TOTAL so far.....
With 3 month behind us, our Savings Grand Total for 2013 stands at $5,489.63.  Only $14,510.37 left to save and 9 months left to accomplish it.
We just missed our $1,666.67 target goal for the month, but not by much.  Considering the yearly taxes and the yearly sewage bills paid, I'd call March. a WIN for us on the money front.

Looking ahead for April......

*  We don't have any quarterly or yearly bills due this month.
*  Since #2 Son got his driver's license, we have an additional car insurance bill due this month, to the tune of almost $400. sigh.
*  Due to my health scare and visit to the ER and hospital, the bills will start to roll in this month, so I can't even hazard a guess if we'll be able to make our monthly savings target of $1666.67 in April.  We shall see in the fullness of time.


So how was your March financially?

Have you finished paying off those presents from last Christmas you put on credit?
Did you spend less than the income you made in March?
Did you received any "extra" or unexpected money in March and what did you do with it?
Did you stay within your budget or not?
Did you pay off any debt or put extra toward your mortgage principle?
Did you receive a tax refund and what did you do with that money?

If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out your progress too and celebrate with you!

Sluggy