Despite the title, I think I'm going to do the clarification first. I had a conversation with someone yesterday about my last two posts. I think I may have given the wrong impression to some of you. So, let me clarify something.
I absolutely know we should all be cheerful and frequent givers. I absolutely know that DINKs who will eventually have kids will have to learn to live on one income. I absolutely know that we are going to have to rework our budget in light of Tim's new income.
However, and here's the clarification, I do
not think there is anything wrong with DINKs who live off both incomes. I do
not think there is anything wrong with spending money on fun stuff for yourself, such as pedicures, golf, or fancy vacations. I do
not think that we need to deny ourselves all luxuries, whether simple or extravagant. I do
not think we should be so focused on cutting back that we become miserly or obsessed with money (and yes, you can become obsessed with having little in the same way as you can about having much).
God is the one who supplies our needs. Sometimes he does it through our regular paycheck. Sometimes he does it through other ways. Sometimes he allows us to be part of his provision for someone else.
So, I just want to make sure that everyone understands where I'm coming from. Trust God for his provision. Recognize all the ways you are blessed. Bless others whenever possible. Be wise with what God has entrusted to you.
Make sense?
All righty then. Moving on the the $47. I've told a few of you this story already, and some heard a version that involved a different dollar amount. This is the final version.
Seven weeks ago I was sitting in a hospital room with Silas. He had just drowned and God had chosen to bring life back to his little body. I was thinking about the expenses we were incurring and feeling a little discouraged. I wasn't stressed, but I was definitely feeling like the "one step forward" we'd been taking in paying of school debt more quickly was about to be met with the "two steps back" of paying medical expenses we hadn't planned for. Obviously the option of having Silas live while our debt reduction slows down was a far better option than having him die. That's a no-brainer. But I still wondered what the whole ordeal was going to cost us and how long it would take to get it paid off.
Well, here's how the last few weeks have played out. The hospital billed homeowner's insurance (HI). HI sent the check for the hospital bill to us. I deposited it and called the hospital with my debit card number. The hospital said that even though they billed HI, I would get a 10% private pay discount for paying the bill in full out of my own account.
Next, I called HI and asked what to do with the 10%, if I should send it back to credit the fund they had given us. I was told they have to pay the full billed amount, even if we get a discount. Lame on their end, but works for me. I left the money sitting there for any expenses we'd incur personally.
Then we got a bill from the ambulance. They had billed our health insurance because they didn't want to mess with HI sending us a check. Our insurance paid 80%. I paid the remaining 20% out of the discount money I still had from the hospital.
The doctor who saw us at the hospital billed HI and that check was also sent to us. We did the debit card over the phone for the full amount.
The next bill was from radiology. They hadn't billed anyone, but I still had discount money in my account, so I paid the bill in full.
Everyone is paid. We have not paid a dime of our own money.
But wait. It gets better.
Remember that discount money that I've been paying bills from? Well, there is still $47 left. We actually
made money from Silas' drowning! As I told some people the other night, I wouldn't recommend that method of income, as it's pretty risky, but it's still pretty cool it worked out that way.
I can't justify going out to dinner or buying new clothes with insurance money that was designated for medical bills. I know I didn't do anything wrong, didn't work the system, but it would still be weird. So, I'm going to sign Silas up for swimming lessons. Don't you think that's fitting?