On Here Is Your Open Thread

@TreeTownGirl Also, if you want kids, they just yoink that sucker right back out, and it's not a big deal.

Posted on November 7, 2014 at 3:25 pm 0

On Here Is Your Open Thread

The kid/birth/birth control content on the Billfold lights up my life, you guys. My little guy's state insurance card finally came in the mail, after a lot of bureaucratic back and forth, and it's such a relief. Last Friday I started back at my cafe job a couple of floor shifts a week, and neither my husband nor the baby has had too tough a time with it. I'm still getting used to Having It All, but I am pretty psyched to be bringing in some income again,

Posted on November 7, 2014 at 3:22 pm 0

On The Cost of Things: One Year of Breastfeeding

But what if I continue to pretend that breastfeeding is both free and easy, despite evidence to the contrary? Because what if I very badly need it to be both?

Posted on August 28, 2014 at 2:12 pm 0

On The Cost of Bringing a Person Into The World Via C-Section

So, I just got my EOB for my son's birth. Mostly OK news! We owe $1,000 flat for the birth and hospital stay, just as my policy lead me to believe. (The total billed cost was over $8,000.) One weird thing: the ultrasound and fetal non-stress test they sent me to get when I went past my due date seems to be a $40 co-pay this time. The 20 week ultrasound was about $300 out of pocket, of a much larger billed amount. Same ultrasound provider. I'm glad to only pay $40, but, what? Was my 20 week "just for fun" in the eyes of my insurance company?

Posted on August 27, 2014 at 5:52 am 2

On The Cost of Fostering Kittens

The shelter closest to my heart has somewhat different policies, so I usually wind up buying food and litter for my fosters out of pocket, plus some quasi- rational purchases like a nebulizer of my very own, to help bring some very sick kitties back to the land of the living. I can't afford it right now, but want to do it again so badly, especially since it's high kitten season where is live.

Posted on August 12, 2014 at 12:21 am 2

On Baby Purchases, Reevaluated

Timely! I'm due tomorrow. I don't have most of these in any version, but I do have a bunch of crazy crap that relatives and co-workers have given to me. Baby's gonna have to learn that we can't have nice things. Thanks to my parents and a terrifying and excellent local personage called The Carseat Lady, we do have an extremely high-tech and relatively easy to install car seat, which the Carseat Lady nonethless showed us how to install and told her about for well over an hour. (Part of the time was spent watching her give the what-for to another client, who had foolishly not heeded the Carseat Lady's advice in carseat purchasing.)

Posted on August 1, 2014 at 2:44 pm 0

On Spending Three Years in College, Rather Than Four, to Save Money

I graduated from a private college in seven semesters and completed a senior thesis, in part because my degree was in straight-up "English." You know, just, like, generally. What that meant was that I had a lot of flexibility in which courses I could take, both as far as packing 'em in and in building a schedule that allowed for me to do other projects that I got partial course credit for (get this: a paid summer internship at a local paper. It was a simpler time!) The pre-requisites were pretty slim. It meant that instead of being locked out of an important course for a semester, I could choose to take another same-level course that was slightly less interesting. I took the second semester of my sophmore year off, and had not previously planned a course load around this gap, so the next two years were catch-up. For better or worse, my school had distribution requirements that were categorized in very old-fashioned ways, so instead of a math requirement, there was a category called "formal studies," where math, music, or languages counted equally, so I never had to sweat through even a basic math course. I also found a couple of professors who liked me, and liked my writing, and could maybe overlook me not doing the reading, or writing papers based on a few not-necessarily-related passages of text that I would argue had deeper meaning. Life hacking! My last two years of grimly taking literature and writing courses because that was what I could do with the least effort until I got the degree weren't wasted, but I was also making some extremely weird personal and social choices, and refusing to prepare for any career whatsoever other than "financially solvent writer of boring fiction" or "I don't care, I'll live out of dumpsters." So, I got a BA in English and English Alone, and this is weird, but, it didn't catapult me into the white-collar world. I have a lot of regrets about my college experience. In some ways, I wish I'd let the issues I was dealing with take over to the point of forcing me to really drop out, so that years later, I would be in the position of going back to school to finish right, with a better handle on what skills I have beyond bullshitting, and what it is I actually enjoy doing (just about anything other than bullshitting.) To say "College isn't for everybody" after having squandered a college experience that others have been utterly blocked from imagining would be pretty gross on my part. I think college is and should be for everyone who wants it. But, I think there should be incentives in place for private companies and for local, state, and federal departments to remove degree requirements from a lot of entry-level positions, and sub experience requirements for higher-level positions. Because no matter how you pare down what you "really" need for a bachelor's degree, there are always going to be people who are forcing themselves through it as fast as possible just to get that brass ring, and it's not helping the students or their future employers.

Posted on July 29, 2014 at 12:07 pm 0

On How Do Couples Use Joint Accounts?

My spouse and I do this: automatic payments of a set dollar amount per week to a savings account. Joint credit card for most bills, paid out of savings account once a month. I contribute cash for most physical purchases due to sometimes receiving cash tips. He pays a specific bill every month. All groceries, booze, medical bills are shared. Random home purchases tend to be shared. Personal clothing and fun stuff, usually separate, unless we're shopping together and it's easier to ring up one pile of stuff. Works for us, somewhat.

Posted on April 2, 2014 at 11:07 am 0

On Driver Roll Up the Partition Please Don't Need You Seeing Yonce Doing 1 Thing

I finished my 2013 taxes yesterday, and now I feel like I should be DONE with 1 thing. One damn 1 thing after another. I just want to curl in a very small ball. My 1 thing will be dishes/laundry. In many ways, it is 2 things, but alternative 1 things are still more arduous.

Posted on March 20, 2014 at 5:17 pm 0

On The ACA and My Obstetrician and Me

Right now I have some ominous shit going on where I'm getting cc'd on letters from my midwives' billing dept to my insurance company, begging to be reimbursed for some pretty standard prenatal testing, and replies from the insurance co where they say "medical review is required." Who will win??? Me, probably. Right? I am dragging my feet on calling to see if they will cover the AFP test, where they screen for neural tube defects like anencephaly and spina bifida. Like, most babies have closed spines and plenty of skull, right? The lab they used for the nuchal translucency test already sent me a bill directly. It is really frustrating.

Posted on March 3, 2014 at 11:51 am 0