Thursday, October 17, 2013

Putting my money wheremy mouth is....for real

So a few weeks ago I wrote a blog post talking about our plan B in case of financial hardship.  The jest of the post was being able to weather the storm and be self reliant in the mean time.  Well, we are getting to put that in action.  Not to the extent we would if one of us was laid off, but close, very close.  You see, due to the wonderful men, women, and President currently in office, we have a little thing called The Affordable care Act aka "Obamacare".  It has taken up residence at our house.  Last year I took a position with our hospitals Hospice Dept.  In order to make the transfer I took a 16% pay cut.  In order to off set that, I waived all my benefits to get an extra 12% in my pay check.  My Husband and I both work for the same hospital just different Dept.  Because he was working full time, I was on his insurance.  Fast forward to this year and I have discovered that the hospital is no longer insuring spouses who are able to purchase insurance through their employer.  I currently work 40 hours every two weeks.  Therefore I qualify for insurance.  In order for me to buy said insurance, I have to get benefits.  To get Benefits I have to lose the 12% pay rate increase.  Then I get to turn around and pay a premium for just me of $68 per pay check and also start contributing to my own health savings account.  The one my husband and I have been contributing to will not cover me as of Jan 1st.  The only way to avoid this is to cut my hours to 30 or less every two weeks.  If I could do that I would A) be able to remain on DH insurance, and B) actually come out ahead by about $38 each pay period.  However, upon discussing this with my director, I am thinking she will not have a position for me for only 15 hours a week.  So right now I am looking at having to buy my own.  This forced purchase, and it is that, will take about $400 a month out of an already small family budget.  Ironically, this new legislation, meant to insure the uninsured, has made someone already insured buy an extra policy.  How moronic is that.  My only hope is that my director convinces the higher ups to let me keep my 12% pay increase.  I hope to find out soon.  Until then I will put on my frugal black belt and get to work.

I know beyond a shadow of doubt that I am in the job I am supposed to be in.  God put me here for a reason.  I am truly convinced of that fact.  It is because of that fact, I am able to have peace because "He works all things together for the good of those that love Him".   I know He is in control.  He is my rock, my provider.  I will do what is in my power to do, and where I falter, He is there to hold me up.  He has never let me down before, and He never will. 

So I get to really use the frugal juices.  Who knows what future posts will look like.  I would think there might be plenty of my "Hmmm I wonders".  So until then, SEE YA! 

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