So glad that your son is doing better

and I’m impressed that he is willing to get back on the bike and continue biking back and forth to school! Way to go young man!

Here is a story which was aired on our news station last night concerning negotiation of hospital bills. The man in the piece was bit by a snake. He is a reporter for the station and is of course, covered by insurance. The antivenin was $84,000 but see the negotiation tips which he employed to knock his bill down to something reasonable. If you need fast cash loans try RTLoans.com I was struck by the insistence of the people in the story to make it known that EVERY hospital fee is negotiable. They run on a suggested price list, and no price is set in stone.

Knowing this, or learning this, I would believe that it doesn’t matter what your salary is, or what finances you’re working with, like you, it would behoove the patient and/or their financial representative to negotiate price.

I have the same issue

Biggest bill after the mortgage is feed for livestock and dogs and it’s a toss up between utility bills and fuel and cell phone. I could spend less on the cell phone bill when my contract runs out – I’ll have to shop around – I’ve been with T-Mobile for a long time and been an excellent customer so if I do need a little slack from time to time, they are happy to give it to me. If I get into a crunch, that comes in very handy to not have service cut, and I’ve had that happen once or twice in the past, especially after I kicked the ex out and was paying for his contract as well as his mother’s until T-Mobile told me how to have someone else take over the contract – they really were very helpful.

I shopped around for insurance and found that State Farm beats everyone else so I’m sticking with them – been a client since 2001.

I also have cable which runs me $40 and that’s my entertainment, between that and the $8 Netflix DVDs. No premium channels etc. I’m considering going over-the-air, so I’d need a converter box and antenna etc since my TV is not digital.

I do need to work more on spending less on fast food – it’s a toss up at this point since it costs less to grab fast food than it does to cook from scratch. As well as not impacting on time. Its hard to beat spending $1 for a sausage biscuit in the morning which sates my appetite and then I don’t eat until I head home at 6pm since I don’t get hungry. If I eat cereal, I’m starving within 2 hours. Same with cooked oatmeal (even using steel cut which does have a better texture).

I do plan to downsize the dogs – but again, I run up against who do I get pups from when I need them since there are not very many breeders who breed for working ability in Tervs and Icelandics. It’s cheaper for me to breed what I’m looking for since I have a decent market for the pet quality or companion pups. Same applies to my LGDs, I have specific goals and its a chunk of change to lay out $800 – $1200 for a pup coming from good working lines, on a working farm, where health and temperament checks are standard.

There are some days I just want to bury my head in the sand, until common sense reasserts itself and I realize that I’m further ahead than I was last year and really, having my mortgage paid off in 9 years is just NOT that awful, when all is said and done.

IF my sheep sales are mainly meat this year, that’s fine too – it would be nice to sell breeding stock – however, I’ll be delighted to have them pay for themselves and their feed for a year, regardless. Knowing I have my hay paid for through the winter goes a long way to reducing my stress level. And if the sheep could be nice enough to pay for one or two or even *fingers and toes crossed* 3 extra mortgage payments each year, I’ll be ecstatic.

I actually have a homework report for once!

I opened my oldest 3 kiddos their own saving and teen checking through capital one 360. I want to really to start letting them manage their money by the month. I have half of my puppies sold already . Once they are all sold the puppy money is going to emergency fund rebuild, new house windows and maybe stainless appliances. We have had plain Jane white since I sold my top of the line stainless ones when we started the Dave plan to pay off debt. It kind of feels like Dave’s jaguar story in his book more than enough. He gave up his prized car and years later God gave him one back. Hubby’s friend builds green houses and is getting us a great deal on the windows at his contractors price. The best part is we are FINALLY getting a heat pump. After years of burning wood I am sooooooo very happy !!!!!!

Several times a year we work on trying

to get our home office totally organized and under control. It’s still a long way from there. This time last year we hauled off pick-up loads of stuff out of here—mainly charitable donations of things we had been going to sell. But after a while we ran out of steam.
Over the rest of the year I slowly have sorted things, and as Anthea will tell you have actually got some work areas set up, but it’s a long way from done. The good news is we’ve not back slid any.
So I’m back at it. As I wait for things to cut out on the Cricut—doing stock build up for the business I’m sorting AGAIN. Today’s big project, two sets of rolling drawer organizers of cardmaking/scrapbooking supplies. Only 2 of the 9 to go on these three sets to go. I’m finding tools I forgot I had….not good. Anyway, I’m back to working on decluttering the office