I am tired of this roller coaster I have been on. The ups have not been that big and the downs are taking the wind out of me. Yesterday I got my COBRA packet from Benesyst and we are only going to have The Wife covered because we are not eligible for Medicaid. I call and find out how this works and to get a payment total. If we both get covered it's $810 just for medical yet if it's just The Wife the bill drops to $392. We can hopefully pay for that.On the form, I owe from 12/22/08 and I needed a price for January and those last 9 days of December. I ask how much I owe and I was shocked. Even though medical was taken out of my last check in December I still have to pay the entire month for a lovely total of $784. How am I suppose to pay that and continue to pay bills? I kept asking why I had to pay a full month and all I got was silence and the statement "It's notning personal." No, it's just greed.
Sitting beneath all my Benesyst information is another packet... my 401K. I haven't opened it yet, but there has to be at least $8000 in my account. The smart move is to put it away and not deal with it because the penalties are going to kill us, then again, we need the money. That could pay a few months of insurance and payoff a few bills. I could even pay off both cars and we could save over $400 a month.
I keep hearing how we are heading towards simpler times, in my mind things have become more complex and will never be simpler. I know The Mother keeps telling me we will get through this and God will never put more on my plate than I can handle, but seriously I think the plate is full right now. So God put that ladle down and let me get through this batch before you plop down some more hurt.
