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Update

November 8th, 2011 at 01:02 pm

Since it's been awhile I thought I would give a quick update.

The job is doing well, and I still really like it. I finally have the insurance. I already have to go thru open enrollment. We are going to get an HDHP. This way I can put my whole family on it for $100 a month. Right now my wife alone is paying $250 a month and I'm $160 with my son on my plan. It is a $3000 deductible, but that is all. We are going to save about $6000 a year between deductible, coinsurance and premiums. So we will put some of that money into the HSA.

I am going to roll over my 401k from a previous employer to my current employer. Gotta love it. The jokers from my previous 401k want $95 just for sending my money to someone else. I remember when companies actually did stuff for free. For the record I'm not saying they shouldn't be paid for their services. But isn't that why I pay a monthly fee out of my 401k. Oh well what can I do. Not like I can say no.

Our bankruptcy finally got discharged two weeks ago on 10/28. Means we start with a clean slate. It's not closed yet and won't be because we have a land contract that we collect money on each money and also because I have a pending lawsuit against someone. But our debts are wiped out, so I'm happy. Out of all my creditors only two filed claims against our assets. So we are really happy about that. They weren't even the largest creditors either.

It amazes me how fast the credit card companies start sending you new credit card offers. My wife had 3 the other day to help her rebuild credit. They know you can't file again for seven years. I had a card survive the bankruptcy intact so that was good.

Now that we don't have any debt we are saving up for medical expenses so that we don't start in the hole right away if we have to goto the doctor on the new insurance and so we can find out own place to live. While living with my parents has been a blessing, I'm tired of it and want out.

Other than that it has been relatively quiet on the homefront. I'll update later.

1 Responses to “Update”

  1. Jerry Says:

    What a relief it must be to have insurance! Covering your family for $100 is a great deal, and I hope that it leads to good coverage for you all.
    Jerry

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