Wednesday, November 16, 2016

Overdrawn...again



I'm overdrawn at the bank again.  This is only the second time in 3 years, but still I was overdrawn $161.00.  That is a big chunk of money for a person on disability.  That could have paid off one of my medical bills. or I could have used that money to by my medication.  I was out of almost everything, so I paid $107 for my medications today.  My insulin alone cost $56.  
Can someone please explain to me why medication costs so much?!  It's not like the drugs I take are new or somehow magical.  The patents on them are long expired, and all my drugs are generic because that's how my insurance works.   
So, I did get my check today, and I paid my bills.  I couldn't make my usual payments, and have to make sure I have enough money to get by until next month.  I may need to put out a may-day call to my dad for $100 to get by until then.  I'm maxed out on my MasterCard and Visa, too.  I had a couple of manic days and did some online shopping.  I had a lot of fun, and got some really nice stuff at a good sale price.  I don't regret any of my purchases, presents are bought, and I am set for fall and winter.  I bought clothes that will take me season to season without a problem and can be considered classic pieces.
I guess I'm just making excuses, trying to justify my bad judgment in handling my money.  I really need to find a part-time job when I get back from Michigan.  I don't know what to do.  I should try to get a job with a nonprofit, as that is my education major.  It can only be part-time, because I am very uncertain about my mental stability as far as trying to balance everything.  
I guess I should run it by my therapist, see what she thinks.  I've only been on my new medication cocktail for a month now.  I don't want to do too much too soon.  I'll have to think on it some more.
We should be getting a cost of living increase in 2017 for disability payments.  But, I am getting a supplemental medical policy that will cost me $45 a month.  It will pay for the co-pays etc., that Medicare doesn't pay.  Hopefully, it will be worth the money. 
I went to the OB/GYN last Wednesday about my cramping.  I was convinced something was happening to me, like I had uterine cancer.  Fortunately, everything turned out normal.  I may be cramping due to low back problems.  I have been having some sciatic nerve pain, but I didn't know the pains were related.  I will wait until January to see an orthopaedic doctor.  I've had 2 back surgeries, so I know how it's going to go. First, physical therapy, if that doesn't work cortisone shots, then after all that I'm back in the operating room.  I hope that medicine has advanced enough since 2001, that all this can be done on an outpatient basis.
What I really need is to win the sweepstakes.  Just $10,000 would help me out beyond measure.  Of course, I want to win the multi-million dollar prize.  But, I am trying to remain slightly realistic.
Oh well, I'll count my pennies and say my prayers.  God is my provider, so He'll make sure I have everything I need.  Peace, Joy, Love - B

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