So, the good news first. The book I bought yesterday was 30% off. Which means it came in at $21.32. I was very excited . . .

The bad news is, I checked online to see how much my urgent care visit is going to cost me. Umm, yeah, I guess I didn't take into account my high deductible ($1,000), so total bill will be $594.96!! Ugh! Well, I guess that's what an emergency fund is for, but still. Almost $600 just because I had a spider bite and crazy puffy toes and couldn't get in anywhere else

In my annoyance about the cost, I ran some numbers to figure out if I would have been better off with a lower deductible. I have a choice of three deductibles - 250, 500, 1000. The $1000 deductible plan costs $109 for the
whole year ("Preventive care" visits don't count towards the deductible, you just have a co-pay - which is why I haven't paid any of my deductibe until this urgent care visit). The $500 deductible plan is almost $794 a year. So it actually works out that I would have spent more money if I was on the lower deductible plan. It would have cost me $794 pre tax, plus $500 to cover my deductible. Instead I paid $109 pre tax, and $594 towards my deductible. That made me feel a bit better, it's just a pretty big hit to all come at once.

Besides the fact that I have to pay $600, I now have to decide how I'm going to go about building back up my emergency fund (which was at $1100 before this). Right now I put almost everything beyond my living expenses towards my student loan debt. I'll have to decide how I want to cut that back in order to build up my emergency fund again.



Spending:

$21.32 book
$4 coffee at work (11/9)
$5 lunch at work (11/8)

0.92 under budget - I get paid tomorrow, I'll update with the new numbers then