Yes, debt consolidation companies actually make it worse for people than help. Sorry these ailments still persist, but hoping it might start to ease up. I like that you don't let naysayers get to you.
As you mentioned "If you go for over a decade with a 2/3 drop in income", when medical bills were piling up due to several medical issues with my wife (encephalitis 2005, which affected her short term memory and caused seizures) and I, which cut our salaries as you mentioned y 2.3rdsdepleted funds ,we had to enact bankruptcy . We're doing ok but SSI for both retirement and disability doesn't pay a lot so I am still working p/t .
Hoping again we all get through these trying times and can't wait for Good Omens.
I know better but that it’s news to anyone that our healthcare system fails those who can’t be insured is sad, to the least. More likely a huge failure of society.
Guys, if you have no interest in the problem, have a few crumbs of empathy for the tens of millions who have live with the threat of crushing debt FFS.
I had health insurance the whole time, but when I started getting treatment, my insurance would not cover a medication that cost me $200 a week. When I had ocular shingles last year, my insurance would not cover a major, very expensive medication. And then you have to pay your annual deductible. It really adds up.
I paid extra for both dental and eye coverage, and didn’t even realize I had it for awhile. so when I needed new glasses this year, that was 50% covered. But I pay 5 figures a year in medical all out of pocket as an ARTIST, and people wonder why I pinch pennies.
Fun tip: Zenni for glasses. Warby Parker knockoffs. Just got a pair of sunglasses with a funking Rx for $30. Of course they feel like cheap but adequate frames…
The other thing about health ups and downs besides the financial aspect is that it is expensive in time. The loss of work time for just not feeling "right." After two days, you start realizing it might not just be not getting enough sleep, but that something in the body is out of kilter. Then there is the time spent getting to see the doctor, etc.
I recently went through about a week and a half where I couldn't focus or concentrate, and had a hard time motivating myself to even make sure I was staying hydrated (not a good thing to happen when you live in Las Vegas during the high heat of summer, even if you stay inside in air conditioning). And then I learned that one of my medications suppressed dopamine -- which nourishes one's motivation!
Well, duh. No wonder I was having a problem! I had not known that about the medication. At least knowing that the drag was not sourced in a psychological depression, but rather a biochemical one, made a big difference to me.
My cholesterol medication can cause mild aphasia for a part of the day, which as a writer and editor is a real bother and pain. My doctor didn't want to take me off the med (for my health), so I just opted to take it at night before going to sleep. Why would I care if I have aphasia while sleeping?
But not all medication side-effects can be dealt with that easily. Sometimes they become petty time thieves, but those little snippets of time add up.
I'm glad you have found your way through the challenges. You are an inspiration to me in "dealing with it."
Yes, well that’s pretty much what the post is about. That’s why my income dropped precipitously while ill. It dropped not just because of increase in medial expenses, but decrease in ability to work. If I weren’t ill, my income wouldn’t have dropped. And you don’t get the time back.
Don't mind me, some days I become Ms. Blockhead Obvious.
The recent revelation that my medication and not my health issues could cause a drag problem was new to me. (For what it is worth, given your health downs last year, I keep you in my prayers regularly. You give so many people delight with your work, you are a treasure to us all.)
No worries, I have terrible reading comprehension problems when I’m not well, a big reason to stay off social media. I can tweet something or misunderstand something and there’s hell to pay. Not worth it.
This reminds me of an astute UK politician who said "Advising a poor person to economise is like telling a starving person to go on a diet".
Yes, debt consolidation companies actually make it worse for people than help. Sorry these ailments still persist, but hoping it might start to ease up. I like that you don't let naysayers get to you.
As you mentioned "If you go for over a decade with a 2/3 drop in income", when medical bills were piling up due to several medical issues with my wife (encephalitis 2005, which affected her short term memory and caused seizures) and I, which cut our salaries as you mentioned y 2.3rdsdepleted funds ,we had to enact bankruptcy . We're doing ok but SSI for both retirement and disability doesn't pay a lot so I am still working p/t .
Hoping again we all get through these trying times and can't wait for Good Omens.
I know better but that it’s news to anyone that our healthcare system fails those who can’t be insured is sad, to the least. More likely a huge failure of society.
Guys, if you have no interest in the problem, have a few crumbs of empathy for the tens of millions who have live with the threat of crushing debt FFS.
I had health insurance the whole time, but when I started getting treatment, my insurance would not cover a medication that cost me $200 a week. When I had ocular shingles last year, my insurance would not cover a major, very expensive medication. And then you have to pay your annual deductible. It really adds up.
It’s all a jerryrigged, untrustworthy system contingent on third parties second guessing patients’ treating providers.
And that there’s no coverage for meds to speak of for the non-elderly, please.
All inexcusable in a nation this wealthy IMO.
We can support each other or not…
I paid extra for both dental and eye coverage, and didn’t even realize I had it for awhile. so when I needed new glasses this year, that was 50% covered. But I pay 5 figures a year in medical all out of pocket as an ARTIST, and people wonder why I pinch pennies.
Fun tip: Zenni for glasses. Warby Parker knockoffs. Just got a pair of sunglasses with a funking Rx for $30. Of course they feel like cheap but adequate frames…
The other thing about health ups and downs besides the financial aspect is that it is expensive in time. The loss of work time for just not feeling "right." After two days, you start realizing it might not just be not getting enough sleep, but that something in the body is out of kilter. Then there is the time spent getting to see the doctor, etc.
I recently went through about a week and a half where I couldn't focus or concentrate, and had a hard time motivating myself to even make sure I was staying hydrated (not a good thing to happen when you live in Las Vegas during the high heat of summer, even if you stay inside in air conditioning). And then I learned that one of my medications suppressed dopamine -- which nourishes one's motivation!
Well, duh. No wonder I was having a problem! I had not known that about the medication. At least knowing that the drag was not sourced in a psychological depression, but rather a biochemical one, made a big difference to me.
My cholesterol medication can cause mild aphasia for a part of the day, which as a writer and editor is a real bother and pain. My doctor didn't want to take me off the med (for my health), so I just opted to take it at night before going to sleep. Why would I care if I have aphasia while sleeping?
But not all medication side-effects can be dealt with that easily. Sometimes they become petty time thieves, but those little snippets of time add up.
I'm glad you have found your way through the challenges. You are an inspiration to me in "dealing with it."
Yes, well that’s pretty much what the post is about. That’s why my income dropped precipitously while ill. It dropped not just because of increase in medial expenses, but decrease in ability to work. If I weren’t ill, my income wouldn’t have dropped. And you don’t get the time back.
:)
Don't mind me, some days I become Ms. Blockhead Obvious.
The recent revelation that my medication and not my health issues could cause a drag problem was new to me. (For what it is worth, given your health downs last year, I keep you in my prayers regularly. You give so many people delight with your work, you are a treasure to us all.)
No worries, I have terrible reading comprehension problems when I’m not well, a big reason to stay off social media. I can tweet something or misunderstand something and there’s hell to pay. Not worth it.