but if you are doing other things besides listening to your pastor’s sermon, I find that not giving God your full attention during church. I mean isn’t the point of going to church to hear God’s word and be filled with the spirit? It is also rude to the pastor when someone is checking their messages during church instead of paying attention. Most of the time a pastor will spend many hours getting their sermon ready for Sunday and he deserves the respect of his congregation to pay attention. I just feel like we can give other things hours of our time, why can’t we give God a couple of hours a week, and of course I would hope that we are giving Him more than that. But I do know for many people the only time they think of God is during their Sunday morning church service. Sad.
still do lots of things during long church services. The advent of the smart phone for starters LOL. I’ve always been a multi-tasker and I can listen to the service and catch up on e-mail 🙂
Church generally goes from 11am to 2pm depending on the Sunday. During football season, when the Falcons are in town, I miss church. Or I could opt to go to the early morning service at 7:30 and be back home by 9am but I miss it all. Sunday I do try to sleep longer so I don’t routinely go to early morning service although I”m guaranteed to be out at a certain time.
I go to the later and longer service because my friends go to that longer service and we find plenty besides the minister, occupy our interests.
I seem to stay in church though… if it isn’t Sunday service, I have a funeral. I didn’t make service today, but I have a funeral tomorrow…
after many years of being card free…. I finally got one in February. I use it regularly for things like utilities, gas, cell phone, etc. to earn cash back. I pay it all the time…..often multiple times a week…. once a week minimum…..just to make sure I never pay interest or have a late fee.
I thought it was on Monday, So I paid it on Sunday when I got home and started to wait to see what the damage would be. Well, $25 for the late fee and $99 in interest (our prev payday loan). So I called GshLoans, Inc. to see how they came up with $99 on being only one day late and the person on the phone was very nice and waived both fees. So the moral is if you still use a cc and screw up once in a blue moon, call and ask to see if the late fee and interest can be waived. Normally I pay online a good week in advance and pay it a day before the payment is due, but forgot to check. So I am going to stop playing the cc game and get rid of a few cards I try to use to manipulate into free WiFi and free hotel nights.
Bye Bye Hyatt Hotel Card.
We don’t use you enough to justify.
Left DH with $800 to cover his travel expenses for his new job. Spent $200 on groceries when DH called and said he was going to have to pay for the entire car rental which was going to come to $720 and he had already spent $100 “celebrating” and needed another $100 for work clothes. So I ended up returning $400 of my grocery money to the checking account so he could cover the car rental and eat. Told him that was it. Yes we are on different pages of the DR book (wry grin.) I am 30 min early to Day 1 of the new child care job. Not a bad drive in- as commutes go pretty easy, but twice a week will be more than enough. Hoping I leave with a check or cash today since I will only be here once this week.
Since you don’t think you can do an HSA, I would put it in an ING Capital One checking account and get the separate debit card/checks. That way it would be a special account just for medical expenses. That way at the end of the year, it would be really easy to see how much you spent on medical/vision/dental and you can make notes on the actual charges in the Capital One account so you could see which family member had what expenses.
I’m currently putting $400 a month in my HSA and am spending it as fast as I put it in! I’ve got Ortho at $90/month and a hospital visit for $100/month. That leaves $200 for other medical and I’ve got at least $2,000 balance on the rest of the outstanding bills! Not to mention upcoming dental and vision expenses! I’m drowning in medical right now. Can’t wait to payoff a few, so I can hopefully get ahead of it!
at least not the ones I’ve looked at, they won’t accept us. We can likely offset some of that 6k in an FSA. My worry with FSAs is that if you don’t use it you lose it. Last year our highest outlay (with DD18 hospitalized twice) and my copay for an ER visit “only” came to about $3000 and that’s if I lump in medications, glasses etc. But that was an unusual year.
I recognize with a 20% patient copay it could be much higher this year…but knock on wood I’m hoping it wouldn’t amount to $6k worth!! (To fund an FSA).
I’m thinking maybe put about $150 a month (1,800 a year) into the FSA. I know we could easily spend $100 a month on meds for DH and DD. Then put $4200 in a “FFEF.”
If I did as Shay suggested and funded it at $500 a month it would take me 8 months to get there but it wouldn’t retard our debt snowball too much. In fact I could take it out of my babysitting money. Or I could fund it all in two months and be done with it.
Sigh. I just don’t know. It’s just a huge amount to possibly be liable for without something In place and it worries me.
I would definitely check on that. Also that premium sounds super cheap for a family. Possibly the employer is paying a portion?
We get our health insurance on our own. Our deductible is $5000/person/year. Then the 70/30 kicks in till we pay out, I think, $2000. Only after that do we get to 100% coverage. Our deductible is high enough that we qualify also for an HSA. We max it out per year. We use the HSA only for high cost things such as in hospital stays, very expensive out patient tests, etc.