Wednesday, September 30, 2009

The joys of having children

means you pick up their illnesses when they have them.

Well, maybe. I do have a tendency to get sick this time of year anyway, so it COULD just be a coincidence, but Ryan has a cold, my Mom has a cold and I am starting to get one. Suckage.

Then, two nights ago, overnight, he coughed like two times and that was the only peep I heard from him from about 7pm until 6:30am. Last night, he was crying a bit at 10:30 and then again at 3:30 and 4:30 and then really going at 5:15. But, nook in his mouth now, he's quiet. So, here I am, waiting for him to decide that he's really hungry and not just needing something to suck on, like the nook.

Oh well, at least the cats are fed. I will be super tired today, however. Not fun.

I saw a super cool idea last night on one of my cloth diaper blogs that I read. Someone took a picture EVERY DAY of their baby for one year. "A Year of *insert baby name here*" it was called (I can't remember the baby's name right now). They put the baby in the crib or on a bed (it was just a plain sheet) and printed out the date -- they must have just printed out the numbers 0-9 and the 12 months and interchanged those. I wish I would have seen that sooner. A totally sweet idea.

So, it's annual enrollment time down at ol' Fidelity. I need to pick what medical plan we are going to use this year. The current one we have is going up $47.81 a paycheck (that's almost $100 a month, if you're playing a long at home). I current pay $243.90 a paycheck, so you do the math. So, I could drop back to the next level, which would save us $4300 over the next year, but we would have to pay more out of pocket that the plan we have now. And we could use that money to pay for his one day of daycare instead of having it be an extra expense like it is now. But, I get nervous. And I would like to have another baby soon. Like, get pregnant again next year. Those appointments aren't "preventative medicine", those are maternity related, which means that we're paying for them until the deductible is hit and then we're paying 20%. Even if we would have the baby in 2011 and I could change insurance types again, would that be more than $4300 in savings? I really have a lot of math to do here.

Jake, of course, just wants to hear the bottom line, even though he always says to me "we can talk about this". As long as it's not money related. I'm a bit concerned with the money stuff. I don't think that paying $500 on one card a month is viable anymore. Which really sucks. Maybe $500 all together. There's more math that I need to do there too.

Maybe I'll just work less today and do my calculations. I also wanted to take a longer lunch and run to Kohl's. I've got 30% off and $10 Kohl's cash. I want to try to find Ryan a winter coat that he can wear all this winter. 12 month coat, here I come!

2 comments:

Julia Goolia said...

wow, you insurance premium is really cheap! Ours is at least $70 per pay period, or $140 per month. But they do cover 90% after our deductible is met, not 80%. Ah the joys of being an adult.

Feel better!

Ryan and Max's Mama said...

Oh no, its not. I just didn't include how much I am paying now. My premium would be close to $300 a paycheck if I stay with what I have right now.

I hate being an adult! I'm almost 30!!! :)