My life and my debt journey have taken a radical detour. 2 months ago I was diagnosed with breast cancer and my entire outlook is now focused on my health and making it through treatment over the course of 8 months from the original diagnosis. I don’t expect to post much here for a while. I am still committed to getting out of debt, but the financial realities of dealing with cancer treatment is going to impact me for at least a year.
I am missing a lot of work in order to go to massive quantities of tests and dr appointments. Luckily I had 4 sick days and over 90 hours of vacation time when this started. However, taking a day off to see doctors not only uses up my accrued time off, but stops me from getting overtime, when I would normally be at work, working. So it’s a double whammy. My take home pay has been a lot less in the last several paychecks. I’m also having to pay a lot extra in copays for drugs and dr visits. Come spring, I’ll be recovering from surgery for about 4 weeks, not working, so that will also be something to plan for.
For now, I’ve slowed down my debt payments. I have to do my car payments of $253/month, and I am cutting down on my SBA loan to just $200/month. Outside of that, everything is going to my living expenses and health care costs. I do have a maximum out of pocket of $2500/year, but that doesn’t include copays, which add up quickly, and of course, it’s almost the end of this calendar year, so I’ll have more expenses starting in January.
This is going to be a hard winter for me, and I should be done and recovering by June in 2013, at least that’s the schedule. I am currently going through treatment – I have 5 months of chemotherapy, then 2 weeks to recover from the drugs, then surgery, and about 6 weeks of radiation after that. Whew. Not a fun process. I am only 41, was pretty fit, and relatively healthy, but now my entire world has shifted on its axis.
I’ll probably start this blog up again next summer, once I’ve recovered from treatment and start getting back to normal. It’s going to be an interesting time. Best wishes to you all…