Finance News

Our company has Open Enrollment for health benefits this month. There has been big changes in that we now have 3 different levels to choose from, each with a different amount being taken out of our paychecks & the less taken out, the more you have to pay out-of-pocket. Basically if we want the same coverage as before, our payroll deductions are almost doubling. Bottom line, that means my raise this past year has been negated. :( I mean, I could take the lesser deduction, but then I'll be paying out the wazoo from after-tax dollars. And how our finances are, we may not have all the after-tax dollars that we'll need. So I'll stay the course with the greater deductible.
On a positive side, though, I've signed up for on-line banking & ordered checks for my personal account. Once I get them, I think I'll re-sign up for direct deposit to that account in order to make things simpler. In the future, I may do on-line bill payments, but I'm not totally sold on that yet. Though it looks like the savings in postage will more than pay for the service fee ($3/month). But we'll see. The bottom line is: I'm still in 100% control of my money & I'm on the path to an easier way to manage it.
I must say that taking physical control of it has really helped me be able to pay off the credit card & still have money to do some of the things I want as well as get the kids what they need (like lunch money). But now that I have the umbrella account in my name, I can manage my expenses more easily now.
On a personal note, I actually had a decent phone conversation with my sister the other day. I gave her a call to get details on Thanksgiving (like what does she need me to bring, etc.) Hopefully that will carry over till Thursday!

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JOYHOLY
JOYHOLY

HELLO, JUST BE CAREFUL WITH ONLINE BANKING AND KEEP SCANNING THE COMPUTER, FOR VIRUSES AND SO ON, HAVE A BLESSED THANKGIVING, LOVE LUCY*************