It's time to renew my health insurance through NY State... and I make $4,000 dollars too much a year to qualify for free coverage. In order to keep my health insurance I have two choices. I can pay slightly reduced amount for insurance, or I can reduce my taxable income by $4,058/year. It comes out to be about the same either way. I could never figure this out on my own so I am grateful to both Pat, who brokers the health insurance, and Nick who takes care of my IRA, which is where the nearly $80/week will go. I am now left with creating a budget to insure all my expenses are covered, and finding ways to pay my current debts and reduce spending as well. (Having raised seven children I am somewhat familiar with this game...)
One sure fire way to reduce spending and save wear and tear on my car is to change jobs locations. If I were to secure employment within summer walking distance, say a mile or two away, I could save $180.00/month on gasoline and probably hundreds more on car repairs. I'd also save money on a gym membership, if I had one. Ha ha! I am currently looking into this option. I filled out an application. Another daycare center about a mile from home. Wish me luck or say a prayer.
The bedroom tunnel is looking longer but not as dark. It may never get finished, but it's finished enough to put back in some semblance of order. We can now access the attic and I can find my clothes and belongings. My bed remains downstairs and I am (mostly) okay with that. We're cooking up a downstairs plan too. For now the upstairs room will be a place for doing physical therapy exercises, sorting belongings, and finding alone time if needed. It looks bright and inviting and that makes me smile.
In other news, which isn't at all new or shocking, I went to the lake. It's been very calm recently so it was fun to see it kicking and screaming this afternoon. I came home with a ton of pictures, two slightly wet feet and a wet backside. So exhilarating!!!