This has been one doozy of a year. It’s been stressful, expensive, and has triggered my anxiety big time. But, I feel like at this back-end of the year I’m experiencing some good things.
Hannah dog is recuperating from her health crisis. I had to stop all of the supplements and herbs that had been helping her arthritis pain, and that is apparent. However, she is eating and drinking again and keeping it all down, her potty habits are normal again, and after several trips to the vet for fluid therapy, she no longer shows signs of elevated bilirubin in her urine. She even shows interest in play, and still gets excited when I bring out the leash. I’m relieved and thankful that my online and IRL friends were so supportive to us during a difficult time.
Oh my has this been an expensive year! I had to pay for my first eye surgery out-of-pocket in full, install a system of french drains and a sump pump around my foundation, and pay a lot in vet bills this year. There were also a few more typical home repair expenses/glitches that needed to be addressed, and I bought new tires for my car. My savings account is depleted, and it was hard to watch all that money fly out of it.
But some of that money is starting to wing its way back to me. After submitting the claim for the July eye surgery to the insurance company again, they actually paid for it! The eye surgery center sent the claim, so I will have to talk to them about getting a reimbursement for the money I already paid them. (And I still got to keep the cash rewards from the credit card company!) I’m also submitting the receipts for the post-op medications, since they had initially refused to cover it. I’m hoping to get a check for that before the end of the year.
Also, I will be getting some additional money from the IRS and State of California. Way back in the spring when I was doing a final review of my tax forms, I realized that I had forgotten to include my 2016 property taxes on the forms I sent to my tax preparer. When I contacted him about needing to correct this, he suggested that we file anyway since we were close to the deadline, and then do an amended return later in the year. I tried to get the amended return prepared as early as June, but he wasn’t responding to me. It took a lot of persistent follow-up, but I finally got the amended return a few weeks ago and mailed it off. (Yes, I will be looking for a new tax person to work with; that I had to follow-up at least 6 times via email and phone to get this addressed is unacceptable.)
This month I will get three paychecks instead of two. This happens at least once, and sometimes twice a year because I’m paid every two weeks. Since my budget is based on two paychecks a month, that third one is a welcome “bonus.” I could have used it to replenish my savings account, but instead I decided to use most of it to pay my future self and withheld about 35% to my standard 401(k) as a catch up contribution. I’m making a note to adjust my withholding again in a couple of weeks, because I want that large amount to be a one-time thing. Going forward, I’ll drop that amount to the single digits.
The balance of that paycheck can then be used to pay back savings account, and also to make some charitable contributions. I try to be generous with my contributions, but this year has been tough. Right now I’m mostly giving via auto-billing to a few charities, but not nearly as much as I have in past years.
There has been a huge positive development in my relationship with my sister. She had surgery last week, and I was helping her out in various ways. Her husband had to be out-of-town for business during this time, so I stepped in to take her to the surgery center and pick her up. I’ve stopped by the house to help with a few chores, checked on her throughout the days, and run a few errands for her, too. Her recuperation period has led her to a new understanding of what I’ve had to go through with my various surgeries. Yesterday, as I dropped off some groceries at her house she got tearful and thanked me for helping her so much. She said she didn’t think she had been very kind to me after my surgeries and she apologized. Wow. That felt really good. I was gracious in accepting her apology and thanked her for it. There’s still hope for a better relationship here.