1 Thing Came in Like a Wrecking Ball

Thursdays are a great day to do that 1 thing you need to do but don’t want to do but need to do. 

My 1 thing for this week is already done, and that is: Open a savings account. I go to a therapist each week. His rate is $100. He is charging me $75 right now, with the caveat that I have to put the other $25 each week in savings. I agreed to this. We shook hands on this. So I opened a savings account and put $25 in it and I guess I’ll do that until I’m cured and out of therapy, at which point I will … continue saving that money, sure.

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55 Comments / Post A Comment

EvanDeSimone (#2,101)

My one thing is to get new tires before it starts snowing and I skid off the road to a wintery death. Thanks for the reminder Logan! I don’t always comment but this feature reminds me of at least one essential task a week.

amglory89 (#3,588)

@EvanDeSimone My one thing was to call and make an appointment to have my winter tires put on before I skid off the road to wintery death (it’s already snowed here). I sent an email instead. Half success.

EvanDeSimone (#2,101)

@amglory89 In the world of One Thing a half success still qualifies as TOTAL SUCCESS. We’re all procrastinators here.

BillfoldMonkey (#1,754)

I hadn’t updated my YNAB since 11/05 so i sat down this morning and did that. One thing=oh whoops guess I shouldn’t have bought that perfume.

Laurabean (#3,040)

@BillfoldMonkey I am such a YNAB fanatic it’s unreal. I had no idea how to save until I learned about zero-based budgeting. Every 1st of the month I’d make glorious promises and move something to savings… and then tap it all back out on the 20th. I haven’t done that in at least two months (personal record). Thanks YNAB! Congrats on getting back on the wagon. :)

Tatiana (#194)

Your therapist sounds like a great person. My 1 thing this week is to input all of my paper receipts into my google spreadsheet for 2013 business expenses. Trying to stay ahead of the game for tax season!

sariberry (#4,420)

My 1 thing has been to call FedLoan and ask them some questions about my student loan payments. Not sure why I’ve been putting it off, except that I just don’t want to deal with it. But this motivated me to call them, and after a long wait on the phone, now my questions are clear and I’m in a better place. Thanks, Billfold!

LookUponMyWorks (#2,616)

1. Remind landlord to get me copy of security system contract for insurance company so I can finally purchase my renters’ insurance policy!!!

2. Find portable battery jumper or wrecker type service to come jump my car. Its battery is dead. Hard being in a new place where you know approximately 4 people and only one of them has a car but lives on the other side of the city and can’t make it to your side until the weekend. Sad trombones.

cjm (#3,397)

@LookUponMyWorks My advice: If you have cables and some time, just open your hood, hook up the cables and stand around until someone comes out to a nearby car. This may take an hour of asking people if they have time, or waiting. However, the battery people usually take about $45 and change about $50.

Option 2: Buy a portable battery jumper from the auto parts store. Charge it for 2 days. Jump your own car. I think the jumpers are about the same price as getting the towing companies to come out and jump.

LookUponMyWorks (#2,616)

@cjm I am actually walking past a hardware store tonight and will be picking up the portable battery charger. It’ll be a pain to lug home but at least I’ll have it. First time in 11 years I’ve left the lights on and drained the battery. Pretty embarrassed.

qwer1234 (#4,140)

@LookUponMyWorks I think this happens to every car owner at least once in their life. Try not to beat yourself up about it too much.

EmilyAnomaly (#4,238)

My 1 thing is to get a renter’s insurance policy. I had one, but then I moved, then it lapsed . . . I don’t have a ton of valuables but watch me change my mind on that if/when something catastrophic happens

@EmilyAnomaly This has been on my list for a long time too. We had a leak in our roof recently and I was terrified I’d get home and find all my possessions ruined.

andnowlights (#2,902)

@EmilyAnomaly @stuffisthings DO IT! I just got mine and I feel way better about leaving my apartment now. Maybe I’m just anxious (I am), but you’ll feel at least a little better knowing things are insured!

highjump (#39)

@EmilyAnomaly If you’re phone-phobic I got mine through travelers without ever having to talk to a person.

I’m now the proud owner of renter’s insurance. It’s hella easy, everyone do it now.

Beaks (#3,488)

@highjump I actually found talking to an agent helpful- I would probably have underestimated the amount of coverage I needed, but he helped remind me of stuff I owned that I would want to cover. He also had a delightful southern accent, which didn’t hurt.

cawcawphony (#2,990)

I did one of my one things, which was to call my brand-new doctor’s office and figure out how to follow the PA to a new practice when this one closes :( I was so proud of getting a GP, and then the doctor up and retires. And it is the only family practice office left that isn’t affiliated with one of the two giant medical establishments in town.

My other one thing is to open a line of credit with my bank (not to use, just as a safety measure in case I overdraft, which I do every few years). I feel like they are making it extremely difficult- I have to fill out lots of paperwork, and there is only one person in the bank who does them, and she was on break last time I went in. Might be time to switch to a credit union…if only they weren’t so inconveniently located!

Senna (#3,456)

I sent an email that I’ve been meaning to send for a week. I kept feeling guiltier about not sending it so, of course, I just put it off longer.

My 1 Thing is to finish benefits open enrollment. The problem is, I want to switch my dental from the PPO to the DMO, but with the DMO you have to pick ONE dentist and stick with him or her. And all the dentists on the list have worrying online reviews (though it seems every dentist has an equal mix of 1 and 5 star reviews. Nobody logs into Yelp to give their dentist a middling review.)

It’s only $25 less per paycheck, but that’s still like $650 a year!

Any tips on how to choose a potentially shady dentist sight unseen?

Relatedly, my other 1 Thing was to make a cleaning appointment with my current dentist while I’m still on the insurance he takes. This led to the amusing revelation that there are TWO dentists by my work with the same unusual last name AND they are brothers. I’d love to hear more of that story.

LookUponMyWorks (#2,616)

@stuffisthings Ask co-workers, friends, and neighbors about their dentist(s). I have a much easier time going off personal recommendations than wading through the morass of Yelp.

@stuffisthings From what I understand from my current dentist (who only takes PPOs, so, grain of salt?) is that because of the reimbursement structure of DMO’s, DMO dentists need to push unnecessary/cosmetic procedures on patients in order to actually make a buck.

In my humble, I-have-awful-teeth-so-I-care-too-much-about-this, opinion, the $25 a month will end up worth it when a) you don’t undergo unnecessary procedures and b) you don’t have to pay for said procedures. Unless you have other reasons for switching to the DMO, I don’t really recommend it.

@polka dots vs stripes Well I hate to type this publicly on the Internet because somehow that will invite karmic revenge but I think my teeth are pretty healthy; I brush and floss and don’t anticipate any major dental problems. I get why the DMO docs would not be as good but all I really want out of the dental plan is cleanings, and a decent price should I really urgently need a filling or a root canal or something (I already had an old filling replaced under the PPO).
One thing that makes it really hard to compare is that the DMO has a flat price list for various procedures, ranging from free for cleanings and preventative care, up to about $400 for more complicated procedures, up to thousands for orthodontia. The PPO, by contrast, covers different percentages of different kinds of procedures. So is insurance that pays 80% of the cost of a root canal but only 50% of the cost of something more complicated at my current fancy doctor better than insurance where I pay a straight $180 (or whatever it is) to a less fancy doctor? How could I possibly know?
Benefits people are also profoundly unhelpful, especially since I guess they’re not allowed to say the obvious (the DMO has shittier dentists). Are there people for whom access to “out of network” dentists is really that super important??

ETA: Also my strategy for dealing with dental upselling has always been to say “yeah great!” then cancel the appointments.

Marissa (#467)

@LookUponMyWorks I always ask coworkers. It’s easy because since we share the same insurance, I won’t have to worry about contacting a place and then finding out I’m not covered there.

highjump (#39)

@stuffisthings You’re in DC too, right? Can you choose just one dental practice or one individual dentist? FWIW, I go to Dr. Cave and Associates but don’t see Dr. Cave. I have had excellent care with two of his associates though. http://www.yelp.com/biz/daniel-cave-dmd-washington-4

Caitlin with a C (#3,578)

@stuffisthings Part of the problem with Yelp for medical stuff is that it seems like people have an even higher inclination to write really negative reviews when they have a bad incident (because we worry more about our medical stuff than our meals?). My dentist in Rosslyn is wonderful but has 3 stars on Yelp with only 1- and 5-star reviews. One of the 1-star reviews is like “great dentist, but they didn’t send me an appointment reminder! I asked for an apology when I missed my appointment, and they didn’t give me one. NEVER GOING BACK.” Okay…

As for how to find someone, I second asking coworkers. I can list out (or email Mike and Logan to send to you or something) the recommendations that I have gotten in the past in the DC area if that would help, because I have done some medical searching in the past few years too.

ALSO ALSO if you like your current dentist, tell him you are switching insurance and see if he has any colleague recommendations. My SSO works in a different part of the DMV from me and wanted to find a dentist in MD. I asked my VA dentist, and he had some buddies from dental school that he recommended. (He also said to mention him in an appointment, because he figured that might make them work even harder to be impressive.)

@highjump Yeah I’m thinking of going with an office rather than an individual, at least that way I can switch up if one person is particularly bad. Agree with @Caitlin with a C about the unreliability of Yelp medical reviews, for sure.

I guess I’ll ask my coworkers but the DMO is pretty new so it seems like everyone is basically in the same boat as me.

planforamiracle (#4,034)

My 1 Thing was to go to the drop-in clinic after work for some routine medical tests. I did it on Tuesday! Tonight, I will sew a button on my winter coat. And maybe this weekend I’ll get myself set up with You Need A Budget.

My 1 thing was to send out the water bill to my fellow water cooler users at work. I’m an introvert and hate asking people for things, so asking people I barely know for money is really right up my alley!

RiffRandell (#4,774)

I have to call a) someone about whether or not I owe them money b) the Department of Natural Resources because it is deer season and I cannot make heads or whitetails (I know, I’m sorry) of their website. Would rather not get shot while on a weekend jog!

andnowlights (#2,902)

@RiffRandell Just out of curiosity, what are you going to ask the DoNR? It is deer season- are you jogging in areas where people are hunting? Just wondering what you’re going to ask them!

andnowlights (#2,902)

Ugh, I need to do two things:
1) Reschedule my dentist appointment next week. I haven’t been flossing and I don’t want to get lectured. Will reschedule for the end of December.
2) Make the annual OBGYN appointment. THE WORST. Just gimme my birth control.

LookUponMyWorks (#2,616)

@andnowlights So many fun appointments in your future!

andnowlights (#2,902)

@LookUponMyWorks I know, right? My one thing on those weeks will be that I either went to or am going to those appointments! And I will consider it a great victory.

calamity (#2,577)

I have multiple 1 things today:

- make an eye doctor appointment because I’m on my last pair of contacts! (this is my primary 1 thing)
- make an ob/gyn appointment to get an IUD so I can prevent babies for years and years! (this is my extra credit 1 thing, I may give myself an extension and do it over the weekend)

joyballz (#2,000)

@calamity yay IUD!!!

amglory89 (#3,588)

@calamity I also am thinking of getting an IUD so no babies!

Lily (#3,106)

I canceled my Julep subscription! FYI, don’t sign up for Julep. I subscribed to try to cut down on my impulse nail polish buying, but they were terrible colors, and you have to call them on the phoneeee to unsubscribe.

allreb (#502)

@Lily That is a bummer to hear, I had been thinking about subscribing. Alas.

highjump (#39)

@Lily The phone?! I had also been considering but now nope nope nope. Is birchbox still good and easy to use?

ceereelyo (#3,552)

@Lily – you can also buy their stuff at Sephora, same price! no membership and free range to avoid all the ugly colors.

My one thing to do is to get a new license with my new married name on it. PITA, I finally got the marriage cert and my new SS card, but the DMV is only open late on Tuesdays and it was too cold last Tuesday and the other Tuesday was Election Day so it was closed. I also have to get new credit/debit cards and AHHHH

Lily (#3,106)

@highjump Birchbox is good! And has actually cut down on my impulse lotion/potion purchases. (Are you sensing a theme? I recently moved to a city with allll of the walkable CVSes.) Also, this month’s box came with a full-sized Ghiradelli bar.

qwer1234 (#4,140)

@Lily Ughhhhh LegalZoom makes you do this too. I signed up for the free trial and forgot to cancel, and had to call them yesterday after they charged me $7.95 every month since August.

highjump (#39)

I went on vacation in August and bought my family souvenirs and I just went to the post office and mailed them off! Success!

kstohl (#3,094)

i called my car insurance to try and put my automatic deductions on a different card so that i can begin my migration away from bank of america. unfortunately they cannot use a credit card on file – it must be a bank account. argh! but my internet provider allows you to update payment information online so the only thing holding me to BofA is that pesky car insurance auto payment. i guess next week’s 1 thing will be to open a new bank account at the credit union.

Caitlin with a C (#3,578)

My one thing is to finish my passport application forms, because I have an appointment for that on Saturday. Woo!

echolikebells (#3,272)

I did the one thing I identified at the beginning of the week yesterday– I transferred the balance of an interest-earning credit card to a card I’ve had for about 6 months but that is still in a 0% interest phase. I know this doesn’t work for some people, but I feel good about it. Especially since I didn’t open a new card for this purpose.

My other one thing is to email a former professor back. It needs a thoughtful response and I haven’t had the time. So that needs done also.

honey cowl (#1,510)

I <3 your therapist Logan. What a guy.

aetataureate (#1,310)

I have an embarrassing 1 Thing and could use some guidance. My new apartment doesn’t have laundry — nbd, found a super cheap and great dropoff place — but I have some finicky clothes to wash that I should do myself. Have never been into a laundromat and do not know how different it is from doing pay laundry in the basement like in previous apartments. Will they have quarters there? Do I have to sit and wait with my clothes, will someone take them? This is so dumb to not know about.

LookUponMyWorks (#2,616)

@aetataureate I would stay there with your clothes. There will be a change machine, that’ll probably take $1 and $5 bills (it would be super rare and unusual for a laundromat to not have a change machine). Take a book, some tunes and just enjoy the detergent-scented ambiance. :-)

LookUponMyWorks (#2,616)

@aetataureate Alternatively, if they’re “finicky” just hand wash them at home?

aetataureate (#1,310)

@LookUponMyWorks Thanks!! It’s mostly stuff that’s never been washed before or, like, jeans that I don’t want to regular dry (because I am 5’11″). So nothing too fussy or gossamer or anything.

heygirl (#4,726)

My one thing(s) are:
- paying a parking ticket
- measuring a mat board
- setting up a test (will do tomorrow during school hours)
Rewarding myself post with an at home-manicure.

qwer1234 (#4,140)

I did SO MANY one things this week (not just today). Yesterday, I called and canceled the LegalZoom account I signed up for a free trial for and then forgot to cancel–since August. Then I called to pay a couple medical bills because that’s what I had to do to put them on my credit card. I hate making phone calls, these were a really big deal.
Today I went to the bank and finally opened a business checking account for my freelance income. This has been on my To Do list since July. I really did not want to, and it was a pretty shitty experience, but I did it. I can’t believe I got so much done. I might even be missing things, I feel like I did more now that I see it written out.

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