I know what it's like to have thousands of dollars of medical debt, tens of thousands of dollars, and where is the money going to come from? From working 80-100 hours a week and neglecting the kids because you have to take calls or do this or that. And there is no money for a sitter. From staying up until 2 or 3am to make food for lunches for kids and going to bed and getting up at 6am to do it all again. From getting a commission check to putting it in the bank and coming home and picking up one bill at a time and making that call, that call over and over until you run out of money. Panic attacks and sleepless nights.
We are so much better from there. New insurance which mostly covers the kids, good luck finding a doctor for us. Cut our every day expenses, cut school, cut driving, cut this, cut that. We don't need anything new, or we save for it until we can afford to pay cash for it. We don't have credit cards, we don't have cell phones, well ok we do, but they are the cheap over the counter phones, mostly so hubby and I can chat with each other, or if something happens when we are out. Costs us about 20 dollars every 3 months. We haven't eaten out in well over two years.
We will get there, but it will now be even slower going with the pay cut.