You know those weeks when people try to steal your money left and right? And you have to be extra on your game to power through and prevent it all from happening? Well, that was the case this week here at the J. Money household, and not surprisingly it mostly revolved around insurances. (Why is that always the case?)
So this week’s Wins & Losses is dedicated to you – Mr. Annoying Insurance. Watch how I finally beat you and kept my money!! *Evil laugh* (And how you also slipped in a gut punch, you tricky bastard):
This weeks’ wins:
- Avoided a $630 health insurance premium! HUZZAH!!! I alluded to this earlier in my “how moving saved us money” post, but the long and the short of it is that my old insurance co. wanted to charge me an entire month’s worth of premium when a) I didn’t need it or want it, and b) I missed the cut off to cancel it by 1 day. Because insurance companies suck and never like to tell you easily how or when your new insurance will kick in. As luck would have it though, the day I missed the cut off was a Sunday so I drafted up and faxed a slick “woe is me” type letter explaining I can’t afford to pay two premiums all at once AND that it was physically impossible for me to have canceled it anyways on a Sunday, and this week I officially got the word that it’s been taken care of :) And by “officially got the word” I mean “Had to sit on a phone for 50 mins until I got to the right person in the right department to tell me it has been, indeed, cancelled out.” But all time worth invested saving us over six hundred dollars we really CAN’T just flush down the toilet for nothing. Man they make it hard…
- Avoided a $150 car insurance penalty! The great state of Maryland told me I was in violation of not having insurance coverage on my car there anymore and that I needed to pay them a $150 fee because of it. And they’d be correct – I don’t have coverage there anymore because I’VE MOVED TO VIRGINIA!! And I mailed y’all a letter stating so, which I know for a fact you received because you then cut me a reimbursement check for the months I pre-paid my registration for! (See below) Ugh… Another hour down the drain getting it sorted out, but at least I’m now off the hook for it finally… Why can’t records ever align properly in some states?
- Got two $65.00 checks from cancelling our old state’s registration — I had 6 or so months on it I believe, so MD sent the wife and I $65 each for reimbursement since it had all been pre-paid. Another nice surprise from moving :)
- Picked up a kick-ass (and cozy!) hoodie for only $5.00 — Thanks Old Navy!! And yeah, hoodie season!!! You’re right around the corner, baby!
So $125 of brand new cash in our hands, and $800ish of unwarranted bills now off the docket from gouging us. If only it was as easy to MAKE $800 by just calling a few people on the phone! Haha…
Now onto our losses for the week, wha wha:
- Got a delayed $350 Emergency Room visit bill :( I don’t know if I blogged about it before, but we had to take Baby $ to the ER back around Easter (all was fine in the end – just a scare) and apparently my (now old) insurance company finally decided to bill us for it. Which we should have been on top of anyways, of course, but you know how life gets and now we have to finally face up to it all. All $350 happy dollar bills about to fly out the window – booooooo…
- Broke my ($11) favorite coffee mug yesterday :( For the THIRD time in a year!! Ugh… the things are so freakin’ hard to find too. It’s one of those old school ceramic Starbucks mugs (the really solid heavy ones, halfway pictured above), and I broke this last one the exact same way I did the others too – by accidentally hitting it against the corner of our kitchen counter :( Funny thing about ceramic – it breaks when swiftly hit on sharp corners!
Two problems I’d gladly take over dishing out $800 worth of erroneous bills :) But you gotta have the downs to appreciate the ups!
So that was my week in money – how about yours? What wins and losses did you have the fortune to come across this week? Anything nice and juicy??
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I just completed a side hustle of dog/house sitting so I could make a bit of spending $ for a trip next week. It’s not something I do very often because it can be a lot of work; the dogs are easy, the house, not so much.
I do the same thing from time to time. I’m so happy for you. Enjoy your trip next week.
Rock on! I love attaching income streams to stuff we want/need the money for. Makes the hustle to get it that much more meaningful.
Mine was a lot of expected expenses this month. I wrote a $1600+ check for summer property taxes, over $1000 for insurance premiums on my home and two cars and over $1000 to pay off last months credit card bill. On a positive note, both me and my wife were paid yesterday!
Ouch. But much better than NOT expecting it!
Way to go with the insurance co. HUZZAH, indeed! All in all, a pretty good week.
Ours was pretty uneventful although we’re buying a house, so I suspect we’re going to have a few surprises moving forward.
Haha… minor detail ;) Hope the move goes smoothly!
Closed on Sundays. Nicely done. We close escrow today on a vacation home, so we’ll be looking at getting a big fat check. But since the market’s performance has been crapola lately, the money will offset losses mostly (paper losses) and maybe give our net worth a little boost. You win in one place and then you lose in another. And so the money story goes.
Yep, even steven!
Over 1500 in medical bills from a May operation. Bleh…But, I may have a solution for your mug AND Baby Money, since she is newish and all, and breaking the baby is bad. There are tons of soft-cushion corner protectors for desks and counters, that will prevent toddler and mug injury — and, they are cheap. Many designs are clear so they don’t detract from the pretty shiny of the furniture. Cheaper than a new mug, and an ER visit *grin
YES! VERY TRUE!! Those things are actually on our list to pick up here in the very near future – we’re now in full baby proofing mode and there are corners everywhere! It’s funny the things you never pay attention to.
Our big negative hit over the last week:
New yard trimmer – $90 – At least this one is cordless and rechargeable.
Our big positive over the last week:
Visiting mother-in-laws and she sending us home with 2 boxes w/ 300+ new diapers. MONEY!!!!
The Warrior
NetWorthWarrior.com
Your “big negative hit” – hah!
Btw, your icon always looks like a persons butt and legs :) I’m 99% sure that’s not supposed to be the case, but thought you’d get a good laugh at it anyways. Hooray for new diapers!
Nice work on the insurance, you can’t beat that at all. Sorry about the coffee mug man, my wife has been doing that with her favorite coffee mug for the past year and is being held together with some prayers and super glue. Our money move this week was making some changes to our health insurance that’ll save us about $200/month!
Hot dogs! Congrats!!
No wins/losses this week (guess that’s not all bad) but I will say that Old Navy Hoodies rock, especially for the price.
Started law school this week. Apparently books are now bound with strands of gold.
Yikes! But awesome about law school :)
Ugh, I hear you on the delayed ER bill thing! My husband had his appendix out a little over a year ago and it took our insurance 9 months to actually bill us the $100 co-pay.
I think there should be a point where a bill is too late and you don’t have to pay it, haha.
Yeah, me too :)
When you’re absolutely convinced you’ve gotten the LAST medical bill…
One more comes in…then you know you’re done.
Great job on the insurance and especially on the refunds for the registrations. The funny thing is that Maryland is called the “Free State”….where NOTHING…. is free~….
These things are ;)
https://budgetsaresexy.com/2013/08/10-amazing-free-things-in-life/
Wow, lots of ups and downs in just one week. Our week was pretty quiet, which is A-Okay for me. I like quiet weeks money-wise.
I am going to be paying off all the remaining wedding expenses, and so I will also be drinking a lot to numb the pain of having to write an seemingly endless stream of checks. Worth it, though?
Indeed! Just don’t go into more debt drinking all that numbness away ;)
This week has been pretty even keel. Nothing coming in other than normal income, nothing going out cept the normal bills and such and such. What can I say? It’s been a good week! It’s FRIDAY!!!!
it’s amazing how being patient and following through on charges can work out. My fiancee once had to make two separate reservations for wedding weekend hotel. After canceling the reservation because the preferred hotel got changed, it turns out that they only cancelled one of the reservations and his reserved credit card got charged for one night. He ended up calling them and explaining the situation and they did reimburse him. He did this all without telling me until it was said and done with and I was so proud!
Haha… smart man :)
It really ticks me off how medical bills can take so long to surface. Just when you think you have paid them all….BAM….another one shows up.
Bummer about the bills and the mug, but kudos on all the savings & cost avoidances. I have a favorite mug, & it happens to be one the ceramic Starbucks mugs that looks like a paper cup, too. I have all these other mugs that I just don’t use anymore…god help me if it breaks.
And now that I’ve said that, of course it will. Have a good weekend!
I hope not, mug buddy!
Good for you for following up and not letting those insurance companies take advantage of you. It scares me to think how much money they make off of people who unquestioningly pay their bills without double checking proper billing or who don’t invest the hour to deal with it.
Yeah :( A lot of people are lazy or just don’t even realize anything’s wrong and continues to pay for everything. You gotta watch the details cuz no one else is doing it for you!
I feel you J. on insurance issues, they always trying to get some of the dead presidents. They are so complicated. That mug looks cool, but I don’t think promoting starbucks being a PF blogger is a good look. Ha Ha. I got a good old boring plain mug, so I don’t get the dirty looks in the streets. Smug coffee drinker look!
Oh jeez, haha… I used to hate on Starbucks for years and then I realized it was because I was jealous of everyone enjoying them without me and I caved in and have been hooked ever since ;) Now I just call it “prioritization” of my money and that helps me sleep better at night, haha…
That insurance thing just reminded me of a time when I got a $90 bill from my insurance two years after the fact. I then spent weeks on the phone with people from insurance who told me to call Walgreens and people from Walgreens who told me to call my insurance. The funny thing about it was that no one could help me because it was from two years ago and they all said that they can’t do anything about something over one year old. And I’m like, ‘so how come I can’t just do nothing with it because it’s over one year old?’ In the end they threatened collections and so I just paid the $90 bucks for something that was probably a clerical error somewhere. I wish I could have made who ever was in charge of all of the ‘no’s eat mac and cheese with me for two weeks to make up for it
Well that blows. 2 years is crazy!! But I would have done the same exact thing as you to be honest: put in the work to try and get it squared away, but if it’s a no go then pay the money and be done with it once and for all. ESP so it doesn’t screw up your sexy credit!
well, we had a house fire that would have taken out the whole house if it went a minute longer. Caused by a new gas water heater insulation and very old and very non fire code compliant insulation and backing. In the end, just some 2nd degree burns on all the plumber’s fingers, smelly clothes and a smelly upstairs. Getting reimbursed for the dry cleaning and we were gutting the upstairs anyway
OMG scary stuff!! So sorry to hear man, geez… real glad it didn’t get any worse :(
Tweet @Starbucks with the photo of the ceramic mug. They’ll most likely be able to sell you one directly or tell you where you can find one (hopefully close to you)
Maybe I’d get lucky and they’d ship me a free one too – since I talk about them all the time ;)
I’m catching up on the week, just chillin’ and I realize (HUGE lightbulb over my head) when you said Starbucks…my darling daughter was registering all her Sbucks cards (ya know, we all have ’em….25 cents on this one, $1.05 in another) and BAM! Outta nowhere she finds a card in the bottom of her purse with $25!!! So by consolidating all those itty-bitty cards, she ended up with somewhere around $50 in FREE Starbucks!
I, however, did not have such a stellar week. And I’m all about staying on the positive so let’s just say I’m looking forward to this next week.
Nice! You can tell your daughter I’d love to escort her to Starbucks any day ;)
I am not sure if actually starting my blog is a win yet, but I did find some time to attempt a few articles.
My wins and losses for the week? They were all attached to each other. It was like the “Facts of Life” theme was silently playing in the background throughout my week. I took the good and the bad in stride, because they seemed to be hand in hand.
My biggest losses were also my biggest wins:
Loss: I put in a monster week at work and worked over 12 hours a day. Missed the family a bunch.
Win: Being able to work a little harder to stash some saving is big right now with twins on the way
Loss: “Wasted” money attempting to take my son to see “Planes”. It was our first try at a movie theater and it didn’t go all that well. He loved the candy, popcorn, and pop. Unfortunately he liked running up and down steps with red LED strips on them more than he likes the “movie experience”.
Win: Took my son to see “Planes”. It was a Daddy & Bryce day and even though we didn’t stay for more than 10 minutes it was still very memorable.
That was my week. Overall very good :-)
Awwww, overall very good indeed :) And congrats on starting the new blog too! I hope you get a lot of joy and fun out of it!
I ran into similar problems when I moved out of VA. It is such a pain trying to get these records straightened out. Well done!
I buy a few of my daily essentials to make sure I can break/lose them without too much trouble. Don’t know if baby $ has a favorite stuffed animal as well but you should get three of them before the store discontinues and then you can wash one or have one at daycare and one at home without tantrums when you can’t find one!
Haha… smart idea ;)