Eyeballing unusual 2016 and 2017 expenses
December 21, 2016
2016 was terrible for unplanned expenses, to the tune of $20,000, and I soothed myself with hopes for recouping losses and building wealth in 2017.
Now? I’m twitchy.
We only have the one FSA account between us since my company discontinued theirs so our family is only eligible for $2600 in tax-free medical expenses each year. This is usually not a problem. We can manage my therapy-massages, medications, and their odds and ends of medical supplies or visits well under that amount but this year we are looking at another set of unusual expenses and I’m antsy.
Usually I don’t stress (much) about unusual one-time expenses, but we’ve had them three years in a row now and that constitutes a pattern for which I have to budget.
In 2014, we got pregnant and traveled internationally. The former was unplanned insofar as you can’t ever know when or if you’re going to be able to conceive, the latter was planned without the kind of notice I prefer for a big trip (2 years because I’m a Type A planner) so it felt unplanned.
Now we’re looking at a very expensive procedure for PiC, and a TBD amount for my teeth that are being diagnosed with something potentially serious. The bill for PiC lands in 2016, thus continuing the “2016 is not awesome for my country and my finances” theme, while my dental mystery won’t be diagnosed until January.
None of this, the bills or the realization, does an iota to induce the good holiday cheer I was determined to ring the new year in with.
I had been considering some orthodontia for a couple of teeth that are misaligned and bothering me, but with these expenses, that’ll have to wait.
I’m trying hard not to be pessimistic about it all but these super-sized expenses turned me into Grumpy. Even while I’m working hard at reducing our everyday expenses, and generated extra income, that savings is just being eaten up and therefore isn’t savings at all! And that’s intensely frustrating.