Miss Frugal Spending Fast lady went and got herself a collections notice.
I was being a real-live responsible adult when I contacted my insurance company before I decided to get allergy shots. I wanted to make sure they would cover the cost before I decided to go forward and when they said, “Yes, we will”. I believed them.
You can probably guess where this is going… turns out the bulk of the cost was not actually covered.
When I realized I was stuck with the bill I negotiated a payment plan with the hospital where I would pay them $150 per month so I wouldn’t have to pay the total due (approx $1,600!) right then and there. For a few months I paid the exact amount that I had arranged to pay and since I reactivated the Spending Fast I was able to send them even more sometimes. (Have I mentioned how cool it is to be able to tap on the Spending Fast when unexpected life stuff like this happens? Yep, it’s cool.)
When I started to receive notices from the hospital about late/no payments on my bill I was all, “Say what? We had a plan hospital! We had a PLAN!” Like, I was some forlorn lover that got betrayed.
Turns out, things had gotten jacked up.
I’ve called the hospital a million times and they’ve assured me that my account won’t be getting sent a collection agency, and as much as I want to believe them, I don’t.
I can’t get over how I’ve done so much to get my financial life straightened out over the past couple years, how I’ve tried and tried and tried to NOT find myself in this situation and then it goes and happens anyway.
It proves that the reality of this situation (and of any situation really) is that I can only do what I can do. I can only do what’s right in front of me and I can’t get ahead of myself worrying about the future and future situations because then I’ll just drive myself bat-sh*t crazy and the stuff I worried so much about might not even happen anyway! I’ve done what I can with the bill.
I’m going to pay it like I’ve arranged and now it’s time to let it go.
Have you ever been in a situation where you’ve felt completely out of control even though you’ve done everything you thought was right? How did you get past it? Or, have you been in the same situation as me? Got any tips?