The Savings

Since I track my expenses on a monthly basis I can easily see how much money I save from month to month and year over year. The majority of my medical expenses started on September of 2015 where I had a CT scan, PET scan, surgery, and two biopsies. Within two months, I had hit my out of pocket maximum for the year.  That’s how expensive treating cancer can be.

It was in January 2015 that I had started really looking at my expenses and how to minimize them and maximize my savings.  I guess that makes me lucky because I had a good amount of savings before my diagnosis even happened. But, the following areas are where I figured I could save some money: groceries, eating out, gas, natural gas, electric, auto insurance, mortgage overpayment.

From September thru December, here is what I saved in each of those categories (compared to the previous year):

  • Groceries: $466.28
  • Eating out: $194.84
  • Gas: $148.87
  • Natural gas: $49.66
  • Electric: $6.64
  • Auto Insurance: $937.44
  • Mortgage overpayment: $250

That totals $2,053.73 over four months. Sure, that doesn’t fulfill my whole out of pocket maximum of $4,000, but it gets me halfway there without dipping into my savings and by making pretty painless cuts. I plan grocery shopping with sales and eat down stock of what I already have and I turn down my thermostat.  I searched for cheaper insurance and since I overpay my mortgage, I have the option to reduce my payment down to the regular payment.

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About His Polish Princess

I'm an engineer by day and an entrepreneur by night. I live with my Old Man, and our cat, Junior. Okay, so the cat is mine, not ours. I have some old fashioned opinions and I believe the unlikely can be achieved with hard work and a little bit of luck. I like cars and motorcycles and remodeling houses and taking risks. I love my family and my community in Small Town, USA. I believe life is one grand adventure that should be lived and thoroughly enjoyed. In 2013 I was diagnosed with an autoimmune disease and focused on natural healing. Fortunately, my disease has been in remission since 2014. In 2015 I was diagnosed with Hodgkin's Lymphoma. These things are just a road bump in life. They won't stop me from remodeling or buying houses or starting new ventures. Life is all about how you see it.
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