I had thought that last month’s hospital stay would be pretty much covered by our flexible spending account, so we’d only have to pay a few hundred dollars out of pocket to pay for medical expenses this year.
I was wrong.
After receiving more explanations of benefits for medical appointments we all had earlier this year, I’ve determined that our flexible spending account is spoken for before I take the hospital expenses into account.
It’s making all of the medical bills that much harder to swallow. Mostly because it means a delay in achieving our financial goals. Instead of keeping our hard-earned money in our savings account, the money is going to have to go towards the bills.
There’s not much I can do about the setbacks to our goals, however. We needed medical care, and we got it. Now we have to pay for it. It’s that simple.
What I can do is handle the situation gracefully. Here’s how I’m managing to do just that:
1. Be grateful. The first thing my husband said to me when I told him how frustrated I was about the setbacks was to remember the outcome: No one in our family is seriously ill. The end result of all of this medical care is essentially great!
2. Keep perspective. Setbacks happen. It’s unrealistic of me to think that we could achieve our financial goals (especially when they’re as monumental as paying off the mortgage in just six years) without some hiccups.
3. Give. Despite this setback, our finances are still stable and we have more than enough for our basic needs. Giving to others is a tangible reminder that we are still extremely blessed and lucky!
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