Can I just say that again … this has been a hard week!
The dreaded letter came Saturday telling us how much our health insurance was going to increase in price beginning in 2017. For the past two years it has gone up $400/month each year, that’s an $800 increase per month in our household expenses from just this one area, and we were anticipating another increase for 2017 (hoping it would not be another $400/month increase). Well, not only did we get the $400/month increase but our benefits also decreased. Beginning in January we will be paying almost $2000/month for health insurance … with fewer benefits. We have been trying to wrap our heads around this all week (hence, my lack of blogging). Someone took the affordable out of the Affordable Health Care Act Plan!
So, we have two choices … pay it or take the penalty and suffer the consequences of not having health insurance. It is what it is, whether we like it or not, this is where we are and a choice has to be made. We have prayed and sought advice from people who we respect, some in the medical profession and others who have a lifetime of wisdom to draw from. When all is said and done, we’ve come to realize that for us there really is no choice, with the health issues that my husband and I have and at our ages we have to have health insurance.
So, that means some things for us …
It means we are going to have to dig in and fight for our survival!
It means we are going to have to shop harder using sale cycles, loss leader sales and couponing to help keep our pantry well-stocked.
It means we are going to have to learn a whole new level of contentment.
It means we will have to garden, glean and preserve the harvest even more.
It means we will have to barter more.
It means we will have to be more diligent in looking for ways to earn that little extra bit of income.
It means I will be intensifying my efforts to earn gift cards through Swagbucks, Bing and MyCokePoints.
It means we will have to intensify our efforts to get our outstanding debt paid off.
It means that we will be looking for more ways to cut our expenses.
It means I will be reading more books set during the depression era in the hopes of learning some things that will be applicable to our situation. I’ll also be reading more Amish/Mennonite books with the purpose of learning and gleaning information on how they keep their families feed and pantries stocked.
It means we will have to do without or put off purchasing things we need.
It means we will be having to make some hard decisions about what we can and cannot do.
On the other hand …
It is imperative that we remember that we are not the only ones getting these dreaded letters.
It is imperative that we remember that most every financial decision we’ve made over the past few years has been made with our futures in mind and that while we will suffer financially, the choices we’ve made up to this point will help tremendously.
It is imperative that we remember that we are a team and that by working together and not against each other that we will, with God’s help, survive this.
This is our plan …. our fight song, if you will. We will pray as if it all depends on God (and it does) and we’ll work as if it all depends on us (it does as well). We will be careful to seize every opportunity God sends our way to help us through this season whether it be financial, through gained wisdom and knowledge or any other avenue He chooses to use to help us.
This is our fight song …
She looketh well to the ways of her household … Proverbs 31:27
Have you read this series, This is Why! and this free e-book, Yes, You Can Have a Well-Stocked Pantry? And don’t forget to check out the ‘Free Downloads’ page. You’ll find some helpful pantry building stuff available for free!
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A Working Pantry is more than just about food! It's about household items needed to keep my home running smoothly readily available when needed. It's about keeping a gift trunk so that I'm ready for any gift giving occasion. It's about a lifestyle. It's about keeping my home and looking well to the ways of my household and it's about doing it all as frugally as possible. I hope you enjoy what you read here.