Vincent The Dragon

So…this is our rebuilding year.

We cleared out all of our savings and retirement due to some heavy expenses that came up last year. Important things like final expenses for a family member, cars that gave out and having to pay for COBRA insurance.
Insurance this year is decently priced, William makes more money at his new job so we can rebuild and have a little breathing room perhaps replace some of our 10-15 year old computers and TV and take a small vacation getaway.
Then we got the flu and I tried to schedule my treatment...nope, the insurance is actually Minimal Elective Coverage which literally only pays for a handful of preventative screenings and zero actual medical things.
Okay, had to switch to the more expensive offering at my work which is an HSA type small little group plan of sorts. Should be good coverage but I am still waiting for my several weeks past due treatment to get approved; oh and we can’t yet afford the hundreds of dollars co-pay for Williams meds. The plan costs us $950 a month and $12750 out of pocket. That is a serious chunk out of our take home pay and prior we were living pay check to paycheck so I am not really sure how to absorb this. Also we owe $3000 in taxes which I will have to file an extension for. I have zero chance of paying for that right now. My company doesn’t take out state taxes and we can’t seem to scrape up the quarterly estimates. We make more than what is considered to be poverty so that means our taxes is high to pay for everyone else. Us liquidating a retirement plan hits hard in taxes and since we could not come up with that December COBRA payment of $1400 that also raised the taxes.

Shutting off the TV services, eating cheap unhealthy food, bypassing the dental work we both seriously need, zero entertainment funds, not putting anything back, not up keeping the house, not paying for rent or electricity or insurance.
My sign reads …Will do things for money…