Checked the mail and my heart dropped. We have BCBS of La. and it’s an individual policy with just dh and me on it. Dd has her own BCBS policy. It is renewal time and our rates have gone up once again on both policies. Ours was at $959 and dd’s at $170 something. Our is now at $1050 and dd’s just over $200. And NO, I did NOT forget any decimal points. That is with a very high deductible already and 70/30. If we choose to change anything, according to the letter that came today, we lose our “grandfathered” status to be in line with Obama(does not)care. It did not state “if you make changes your rate will go up” but that we would get “reform” rates, which is code for “your rate will go up”.
So I am totally devastated and bummed. I am not sure we can continue to pay this. If we had not just taken a raise, there is no way in he// could do it. Also in the mix is that a few years ago we bought dd a car, paid cash. She has been paying us back each month and this is the last month for those payments. That is great news for dd! I was all prepared to adjust the budget for that $100. However now we are short another $100 for our increased BCBS and more for dd’s. We pay dd’s because she works part time due to health issues. We also have paid most of her auto insurance were prepared to ask her to bump that up starting next month.
I apologize …. I keep rambling. I suppose I am just trying to wrap my head around all this junk. I am going to have to get with dh and have us come up with a game plan. At some point raising salary to meet increasing bills is just not the answer. Not paying insurance is not an answer for us either due to pre-existing conditions, especially in dd’s case.
In the meantime, I am going to try to put on my happy face and get ready for a dinner out with dh for our 35th anniversary. Yes, 35 years ago today we got married! Yes!!
dh got our checks in the bank. However, he made mine out for less than it should have been. Not sure how that happened since he uses QuickBooks. He’s not sure either. Anyway, the following Monday he wrote a check for the difference & I was back in town by then. I got all the cash out I was supposed to and filled the envelopes. This reminded me how doing this simple thing makes me feel responsible and creates peace knowing I am funding what is needed. It makes the month much less stressful.
Last week I also made our house payment. While I was in the bank I stopped by the loan officer’s office to find out how long till our pay off. We recently upped how much we are putting toward principle and it’s about a double payment for the principle. They pulled out their trusty little calculator. Okay, it was really a program on their calculator! LOL Taking into account this last payment, we have 4 years and 11 months left!! Yeah! I am so excited to know that in Nov of 2020 we will be debt free!!!!
My wheels are turning though, thanks to hearing so many of Jan’s stories …. I am going to keep my budget like it’s been but try to beat my weekly budget for the grocery store and Wal-Mart. Anything left in those envelopes at the end of the month will be added on top of the next months payment. There are not many categories we can do this with because many are fixed amounts (cable, insurance, etc.) but this is an area we can give it our best effort. No, I will not starve us or cut out all enjoyment in the kitchen or house but it something I can try. I am sure there are ways to do it. I am not into extreme couponing because I have too much else going on in life. But I know I can save a lot continuing to buy items on sale, especially big ticket items like meat and poultry.
Gotta run for now.
If he was going to do something about it voluntarily (as in: if he cared about the place) it wouldn’t be in the condition that it is. There are some things I can do easily and pretty cheaply (garage door needs a battery, evidently code police thinks because I “prop” it open that it’s broken); they want the asphalt driveway redone (he says there’s some sealant in the garage I can pour on it.)
The biggest thing is the termite eaten fascia boards. But they’ve been that way for 10 years. I don’t know if he’d want to buy materials and I do it, or what. He doesn’t like my front yard garden, so even if Code didn’t complain, I need to remove it (moving or not.)
This is all coming from the City code enforcement (jerks that they are) writing him up for the house looking like a dive. Which it does, but I’M NOT THE ONE who called them. His feeling is well if the city’s going to make me fix it then I’ll just kick the tenants out and sell it as is.
I told him I would do whatever it takes to fix it so the city and they are happy so that we can stay here. I’m still going to rent a storage unit and empty the garage out and empty the house into the garage. The reality is: whether we move or not, I still need this house cleared out. Say we don’t move: landlord & co. are going to be in and out the next 2-3 months getting stuff fixed. Do I want him looking at what slobs we are and kicking us out anyway? Or do I want to clear the house out and live in an echo chamber (that’s his definition of clean, I’m not kidding) while the repairs are made?
Thank you for your prayers. I believe they really helped. He wasn’t answering our calls yesterday.
to call my own this past week. I will take you up on it as soon as I click send here.
Our church doesn’t do housing stuff, but I did send out an email asking people to keep us in mind…deposit is going to be the biggest issue. It’s funny: i told my kids half jokingly that we should buy an RV, park it in the church parking lot and just “live” out of the church for a while (kitchen cooking, bathrooms, internet) since I have keys. If I could find an RV….maybe it would be closer to reality than a joke 😉 And think how quickly I could get out of debt !!
We have 3 kids at home: 18, 17 and 14, no pets. The 18 yo will be (hopefully) leaving in 6-8 months on a mission, the 17yo graduates from junior college next spring…and then leaves for a mission in the fall, so from a space standpoint, we are way better off than we have been in the past (5 kids, 2 adults and a dog.) And we have lived in WAY smaller than places I am looking at tomorrow.
Beyond the immediate shock, that’s the anger part. I was hoping to stay here until next summer when two of the three kids would be gone…then we would be down to just three of us and could move to say, TEXAS where we could buy our own place and never have to deal with this again.
I emailed you off-list about the BofA rejection letter last week, and I wanted to make sure you got it. If not, let me know. Re: this latest news, I’m glad you have somewhere you can go. Tell us again, how many kids do you have at home and what are their ages? Also, I seem to recall you’re a fairly active member of a church congregation? Perhaps they have some short-term emergency housing options you can explore? If not, they probably have a network of connections for lining up emergency services for displaced families. Churches have gotten a lot of practice at that over the last few years. Something maybe to explore. Hope your news improves soon………
I was so in shock that I didn’t even see the part that allegedly, they are wanting to sell the place and are going to need “lots of time” to get the place ready (there’s an understatement…the place is practically falling down.)
So I feel a little calmer, but not much. I called a friend of ours (the one we’ve babysat dogs for, and travels alot.) If push comes to shove, we can move in to her place for a month or two and get a deposit together.
It is just upsetting because of EVERYTHING ELSE, I made SURE that we were always on time with rent last year. We won’t get our deposit back (we knew that walking in…he’s that kind of guy) and get money from online payday loans service https://www.gshloans.com/.
Friday I will go rent a storage unit and clear out the garage, then start moving everything from the house, into the garage.
Needless to say, if I get offered that job at Payless on Friday, I’m taking it.
But he didn’t answer, so i don’t know.
even when DH was out of work, we made sure and paid our rent on time.
landlord just said 3 weeks ago that he wanted to put new windows in and take out the asphalt driveway and put in concrete, so I actually have no idea what is going on…unless he is looking to sell it.
if that is the case, maybe I can get DH to talk him into letting us live here for slightly reduced rent while they do all the renovations. I do NOT have $2-3,000 for a deposit somewhere else.
My landlord just sent us an eviction notice.
We have 60 days to get out.
Ok, technically it’s not an eviction notice, since we’re on a month to month, but still.
I can’t believe it. I tried calling but he didn’t answer his phone.
No, the garage door wasn’t broken, the power (I thought the battery) was out so we’ve been doing the manual open and close thing. You know, the way we used to do it before we got all new-fangled.
I told LL that even when we had power, I still left it opened about 6-8 inches to vent out the exhaust from the dryer. Evidently that’s not OKAY with my fricking gestapo City (I’d propped it open with a brick) because they cited the LL for a “broken garage door.”
Enter YouTube. I thought it was a battery that went out, so I checked YouTube to replace the battery. Then I thought, I should go check what brand I have.
And there’s no battery. But there IS a little kill switch button on the indoor garage door button (safety measure in case someone breaks into your car, has your address and remote). Shows what it looks like when it’s been pushed. Shows how to reset it….and 5 seconds later after watching a 2 minute 36 second video, I have a working powered garage door.
We didn’t get inches or feet, but water started coming up through the floor this morning and won’t stop seeping in. I’ve spent the last twelve hours sopping up, wet vaccing, and cleaning out, and I’m right back where I started, as the water hasn’t stopped coming in. Wet carpet. Have three dehumidifiers running…I have a feeling my electric bill will be painful!I called water restoration olaces, most stopped taking customers, others could send someone at the end of next week. Gee, that’s helpful!!!We got six inches of rain in 4 hours…
flooding due to rain coming into the foundation through cracks or seeping or whatever. If you’ve ever had a sewer line backup, you’d INSTANTLY know the difference. It’s not water that backs up in that case. It’s raw human sewage. We had that happen twice in my parents house when their septic tank backed up. I’ll just sum up those experiences as “yuck!!” and leave it at that!
Different scenario, I know, but it was a super easy process. Hopefully it will be for you too.
Call your insurance company and get the ball rolling. Tell them the issue and they can let you know if you have coverage and your next step. Ours sent an adjuster who created an estimate and paid out quickly so we could have the work done when we needed by who we chose. The estimate was very generous.
it mentions this in a partial list of optional coverage that I have NOT added:
Back-up of sewer or drain(for damage caused by water from outside the plumbing system which backs up through sewers or drains).
Not liking the sound of THAT…
First thing to do is check your homeowner’s policy and see if you even have flood insurance. It’s considered an add-on for most standard homeowner’s policies, rather than a part of the umbrella coverage. If you have coverage, that’ll be good news and hopefully your claim will be fairly straightforward. If not, I’m not sure what your options are. Only other idea I have at the moment is to take a video camera downstairs and videotape all the water and as much detail about the damage as possible, to get a solid record of the event. Hopefully someone with more insurance experience can provide additional guidance.
Anybody have any tips on dealing with insurance for a flooded basement? Unfortunately, all the rain we got today has granted me 6-8 inches of storm water in my house. SO much stuff ruined…