Zombie Debt

There are many different ways to discuss and label debt- student, credit, medical, etc... One form of debt that isn't talked about much is Zombie debt. I ended up spending a few hours on the phone today between hospitals and insurances and have found myself the new and proud owner of medical debt... from 2015. So two months ago it didn't exist... and now it does. It certainly messes with your budget to have to reconfigure how you spend money based on information that you couldn't have had when you made it. Learning that more of these unknown expenses are probably headed my way as my health insurance *still* hasn't paid on these bills for the last two years doesn't really feel great. And while I thought about it and what choices I need to make, I thought about the term 'zombie debt' and how I originally had heard it. So here is a clip to the show "Last Week Tonight" discussing medical debt and debt buying organizations.

https://www.youtube.com/watch?v=hxUAntt1z2c

Paying off my 'new' medical debt won't be fun, but it could certainly be worse. I could have the experience of many of the people mentioned in this episode. I guess it might be a valuable thing for everyone to remember- even if you have insurance and they should pay the bill.... if they don't, you are still on the hook. There are no exceptions. Medical debt also is treated as bad debt by credit reporting companies even though people can not help becoming sick in the vast majority of cases. I wish I had fewer health problems and I confess... even though I have insurance now (and had at the time of my 'new' debt) my gut reaction is to stop going to the doctor because I have no idea if in two years I will have to pay for the visit, procedure, etc... I dearly hope for single payer/ universal healthcare for the next generation. It is needed for so many reasons.

Sigh... maybe someday.

Good Thoughts

I've been struggling a bit for the last few days. I have stopped taking some of my abdominal medications and it is pretty amazing to me exactly how much the meds were helping. I had managed to take them for so long that I didn't really remember how much abdominal pain and nausea I tended to live with and now it is back... and wow, I don't like it much. That said I have so much good going on right now so I thought I would count some of my blessings so to speak. :)

1. It's school vacation and I am caught up in all my classes with all of them graded except for one; I got all A's and B's so I can't whine about that. One of the classes was a math class and it is the first time in my life that I have passed an Algebra class! For full disclosure, I had lots of help. I was tutored, used three different texts from outside of class as well as a Teaching Company/ Great Courses class and three smartphone algebra game apps. Not to mention friends and sometimes spending as much as two hours on one question. But I passed- one more math class and my degree will pretty much be mine- all my requirements will be completed. I'm getting there!

2. I am doing pretty well with not biting my nails. I've tried to stop a few times in my life and I am at the crucial point where the nails are long enough they are starting to break. This is where I usually break down and start biting them, but I have been doing well and trying to cut and file them instead.


3. I have a wonderful household of animal companions that keep me company, give me love and affection and even make me laugh. While I probably have too many, like children... I don't know who I would live without if I needed too. So, like family, they stay and I wouldn't have it any other way.

4. I have a fun home and I am warm in this pretty cold and icy weather. I have a few close friends that I adore and who genuinely care for me and while work is a challenge, I have a few co-workers that I really love and can't imagine my life without which is an amazing blessing as well. I have food and water... and even a little ice cream. :D

5. I spend a great deal of my free time with Bug or in service to others which is a gift and helps keep me busy as well.

6. Even though I do have some health complaints, I am doing pretty well. I wish that taking care of myself was easier, but it could be much worse and having a safe place with companions to recover in means the world.

7. I was recently able to visit with some family and that is a gift that I cherish everyday.

8. I live in Maine- it is so beautiful here. I love being rural and being able to have a little space of my own. Being able to not feel super crowded is precious.

9. I love reading and currently have many new books to choose from. I am taking advantage of my vacation to do some fun reading and I have pretty much finished every Nero Wolfe book I got! On to Hamish Macbeth!

10. Who can't smile with silly ferrets around :)

What do you have to be grateful for today?