Posts Tagged ‘Jerrold Mundis’

I Was All Upset

August 4, 2018

I was going to entitle this blog “motherfucker.”

I got another bill from the endoscopy procedure.

$899.

Why the fuck do I pay so much in insurance?

And get so damn little?

Which I am sure will be on my mind tomorrow when I go in for my dentist appointment.

The last time I was there the dentist said I should get a mouth guard.

And of course, it’s not covered by my dental.

I am not sure what my dental covers, truth be told, I’ve paid a ton out-of-pocket for the work I have had done.

The mouth guard will run about $400.

Which I have been preparing myself for and have not more animosity about it, I need it, I don’t want to grind my teeth at night, why am I stressed?

Bwaahahahahaha.

Sigh.

But I wasn’t expecting another damn bill from the endoscopy.

It feels like I just paid a bill.

For about $900 not even a month ago.

However, there it was, all cheerful and cheeky with its return envelope in my mail tonight when I got home.

Ugh.

I opened it and tried to not pay attention to it, I got a phone call right as I did.

Give the person on the line your complete attention, they are important, not this stupid letter that looks suspiciously like a bill.

Looks like a bill because it is a bill.

I looked at it after I got off the phone.

$899!

For things your insurance doesn’t cover.

There was a big block of letters in the billing area, “insurance company does not cover,” well isn’t that terrific?

I was about to fish out a stamp and write a check and put it in my wallet to mail tomorrow, but then I thought, fuck it, save the stamp, just pay it now, get it over with.

I have the money, I was just hoping to put it towards a new place, not old medical bills.

I got online.

I got logged into their weird payment system.

And!

I don’t have a bill there!

No bill means nothing to pay.

I wondered about that, was I billed twice?

I decided to just double-check and I called the number on the bill and logged into my account, which confirmed that I have nothing outstanding!

Zero balance.

I just chucked the bill in the trash.

Fuck you bill.

The nice thing, now that I don’t have to pay the bill, fingers crossed it would suck if that suddenly changed, but the nice thing was that even though I had a  momentary hissy fit, I wasn’t really balking at paying it.

I was just going to get it over with and pay it.

I am grateful for that in my life.

That I pay my bills when I get them.

I don’t like owing money and I have worked really hard for the last 13 years to be really clean with my money.

I don’t always succeed.

But I don’t owe any money to friends or to medical institutions (it would seem).

I owe money on my car, but I tell you what, with the exception of one month, I have paid double my car payment every month.

I am pretty happy about that.

I plan on making a payment tomorrow, I do them on the 4th when the payment is due, despite not really owing one, my next payment isn’t due until December, I’d rather just keep the habit going and I’ll pay tomorrow.

Hell I may even just pay it tonight to get it out-of-the-way since I’m writing about money and finances.

And, of course, I owe on my student loans.

But I’m not in default and I do pay them when I’m not enrolled in school.

I also don’t owe any money on any credit cards

Or, as the case may be, the one card I have.

In fact, I am thinking it’s time to cancel the damn thing.

I got it last year after being persuaded by a friend and haven’t used it once.

I could be accruing travel miles and such, but really the thought of using it wierds me out.

I had credit card debt, and a fair good bit of it.

I worked really fucking hard for a few years and got it wheedled down and then, yes, upon the suggestion of a lawyer, I filed for bankruptcy.

It’s a little complicated, but basically I spent two years busting my ass to pay off debt that was mostly acquired when I was in early sobriety.

I had run up my cards, got sober, and then was so broke and destitute for my first year that I never made any payments.

And boy howdy did that add up fast.

The interest on the cards skyrocketed and it was worse than paying off a loan shark.

I think I had 9% on one card that went to 28%.

And the other had started around 12% and was at 31%.

My lawyer basically told me I would never get out from under it, that I had made a huge effort to rectify the situation, I really had, worked so much for those years to work with the collection agencies, to the point I was on a first name basis with two different women, made amends financially, did the work, read front to back twice “How to get out debt, stay out of debt, and live prosperously,” by Jerrold Mundis, that I had records of all my payment plans, of everyone I had talked to, that I kept track of how much I spent and that I hadn’t any other debt, was huge.

I handed the lawyer such an enormous amount of spending plans, budgets, records, and notes that he literally was able to turn around the case and file it within two weeks of me seeing him.

I guess normally it takes longer because the lawyer has to do all the work that I had been doing for the past years.

So.

Yeah.

I’m not really interested in that kind of thing happening again and though I understand my friend’s reasonings, I think I am going to just cancel it.

Feels better.

Not as good as throwing away that medical bill.

But damn close.

Damn skippy close indeed.

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Long Legs

February 24, 2015

Long day.

“Look at your legs!” The kid passing by me on his fixie shouted.

“Thanks, I’m twice your age, I don’t think I can keep up,” I shouted back.

He had whipped past me and gone up the right side of the flow of cars crossing Market Street at Church.

I, having discovered, weeks ago during my commute, that unless there’s a MUNI train screaming behind me, to take the far left lane that is specifically only MUNI and taxis–thereby avoiding the commuting traffic at Church and Market and also the drivers turning in and out of SafeWay.

“What the fuck?” The kid saw me angle left and whip around the N-Judah that was waiting to cross over to Duboce.  “How did you do that?!  Sneaky lady!”

I laughed.

I got to have some tricks up my sleeves.

“You’re not twice my age, no way,” the kid replied.

He was right.

I’m 42 and he was 32.

Still.

That’s ten years and I worked a 9 hour day today.

My 42-year-old legs, though lovely to look upon whilst riding my one speed from the Mission to the Outer Sunset, were tired.

Monday’s are always a busy day, a long day, full of stuff and things and work, work, work.

But today there was the extra hectic of a grandparent visit, construction happening at the house and the house next door, visits from out-of-town friends, and swimming lessons.

Whew.

I was never once alone in the house.

Or at the park, grandparent’s tagged along on the outing in the morning.

Fortunately I have gotten used to interacting with a lot of people while working for this family and I feel like I can roll with the punches.

I generally keep a pretty good demeanor and keep myself occupied.

It does, however, mean I was unable to take phone calls, make phone calls or really respond to texts messages during the day.

I realized that I hadn’t talked to anyone outside of work until 6:30 p.m. tonight when I rolled up into the Inner Sunset.

I was grateful to sit and be quiet though, sometimes that’s all I need, I don’t need to check in, I just need to claim my seat and sit.

Then pedal my bicycle on out towards the beach and the smell of the ocean.

Monday’s always go by quick, I tell myself this when I am eating my morning oatmeal and drinking my coffee, waiting for the caffeine to hit while I write my morning pages.

I was writing this morning about how I feel a little stuck on the dating front, I exhausted my list of guys and I haven’t met anyone new online that is a good match and well, what now?

I had a friend suggest I go perform, or try to perform, at the Moth tomorrow night at Public Works.

I was tempted.

I even came up with a few ideas about a piece.

The topic?

Heartbreak.

Heh.

I thought I could tell a story about red flags.

And there’s some funny ones that have come up for me and I probably could tell a five-minute story on them.

Truth though.

I’m tired thinking about it.

I have a long week this week with the grandparents in town at work, and the graduate school interview on Thursday, and the scooter getting checked out on Wednesday night after work, and stuff and things that I normally do, plus a workshop that I agree to run on Saturday.

I mean.

Sitting here at my table this morning sipping coffee and my whole week is mapped out and I wonder, well, fuck, the next thing I know it’s going to be next Monday and the whole thing will start-up again.

I felt exhausted even before starting.

I shook it off.

I had a really lovely, relaxing, mellow day yesterday and I bank rolled that into today, keeping my spirits up, not getting involved in drama, doing my job, keeping my side of the street clean, and going to do my commitment.

That leaves little time in my day to write out an extra piece and practice it.

Anyway, the contemplation process was short and sweet.

Not this time.

I can and will make time to do things, I will, I thought, I have to, if I’m going to date I definitely have to.

There’s a balance and I know it can be struck.

But I am, really, fresh out of ideas for the dating thing.

Y’all have any suggestions throw them my way.

The best thing I can think is to not isolate, and yes, I know that going and doing something like the Moth would be a great social event to check out, I just find it a serious challenge to add extra things onto my week day evenings.

I will though.

If I have to.

I’m willing to do the work, but right now, I don’t even know what that is.

I like myself, natch.

I take good care of myself.

I try to look cute when I leave the house for work, you never know when someone might be looking, at the “those legs” or that hair.

Or the glasses.

I got a lot of compliments on the frames today.

I am quite pleased with them.

They are outside my box, and yet, a perfect fit for me.

So how to get outside the dating box?

I tried Tinder and that was just nasty.

I’m not having much luck on OkCupid.

Unless you count offers in Scranton.

Sorry dude.

I don’t want to date outside of San Francisco, let alone outside of California.

I asked out the ten.

I did get two dates out of that.

So cool.

But what next?

I really would like to just magically get asked out.

Ah.

Magical thinking.

Fucks me every time.

I used to have magical thinking around my weight.

Turns out I had to have a huge bottom around it, get broken down, and find spiritual help outside my own brain.

Basically, I had to do a lot of work.

I did the same with my finances.

I had to do a lot of work to get out debt, stay out of debt, and live prosperously (thanks Jerrold Mundis).

I know the same is applicable to dating.

“You know what’s been nice about this graduate school deal,” she told me on the phone yesterday, “it’s not fast and wild and crazy, it’s been a slow, serene process, where you’ve taken things a step at a time and let go of the results the entire time.  It’s been pretty amazing to watch it all unfold.”

I know that’s a correct assessment.

Those things worth having are worth working for.

I don’t mind doing the work.

That’s not the conundrum.

I don’t know what the work is anymore.

So, this week, unless I get some stellar suggestions about dating.

I’m going to focus on taking care of myself and doing the things that I need to do for graduate school and doing my job at work.

As well as doing the deal.

Which is a non-negotiable deal.

The dating will probably happen like every thing else.

When I am not paying attention to it.

I’ll get popped on the head, or in the heart.

And I’ll be off on another adventure.

Such is life.

My life anyway.


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