This is the fifth post in the monthly series titled Simple Budgeting. Check the left sidebar for the links to the posts in this series!
Simply put (haha) … no seriously, I was overwhelmed with the comments in the Spring Cleaning post last month. Y’all impress me with how seriously you are looking at your budget! If you missed the post, head back over to the Spring Cleaning post and work on your Spring Cleaning this month!;)
So the topic for this month is “Is Health a Necessity?”.
I am going to admit I struggled with a topic this month. My mind kept leaping between topic ideas and back again. I hit this topic several times and kept jumping away from it because it isn’t a “fun” or “nice” or “easy” topic. It is reality. So here is a dose of reality … budget style.
What are your family’s necessary expenses? Food Shelter Transportation Clothing
Those are the basics right. Then we tack on the “extras” such as school supplies, phones, Internet, modern day conveniences (water, sewer, gas), TV, … health. WAIT. Is health an “extra”?? When did health become an “extra” in our lives?
Part of money management and budgeting your life is planning for your life and for me and my family, health insurance is a priority. I will note that I am blessed to have a job that provides health insurance as a benefit. I will also note that we pay a pretty penny for this “benefit” each month. Would I love to see that money in my bank account instead of taken out each month? Heck yeah! Who wouldn’t? But I also know that I have to invest in my family and our health because for us that is a necessity not an extra. When Buggie shut Little Dude’s finger in the door last Friday and I made my first ever trip to the ER, I didn’t even think about cost. I knew we had a high co-pay for the ER (which was not in the monthly budget but we will manage by cutting back in other areas this month and next month too). Those two stitches and a band-aid were costly to me because of that co-pay. I also know I really don’t want to see what that full bill amount says on it because I know it will be crazy high. I do know for a FACT that the full bill amount is not in our budget nor can I juggle things around to make it in there. That isn’t the sole reason why I suck it up every pay check to have that “benefit” but it high up there I tell ya!
Insurance is just that … something you have if you need it. Be it health insurance, life insurance, car insurance … you hope to never need it but man the day you do need it, you are ever grateful for all of those times you did pay into it. Your insurance company gambles you don’t need it but pay for it. You assume that you or someone in your family will fall down, shut a finger in a door, get an accident turning out of the street you turn out of every day, or the dear Lord calls your number and you die … that is why you have insurance.
My overall advice this month is make health an necessity in your life. YOU decide what that means for you and your family. Maybe for you it is health insurance? Maybe is finally buckling down and fitting that gym membership in your budget? Maybe it is making fresh produce from the farmer’s market or your own garden a priority in your diet? The point is YOU decide what this means to you.
After reading this, you might need to go back and take a look at your bill list … or go here and learn how to make one. This may be your first step in deciding “Is Health a Necessity?”.
What are your thoughts on this topic?Leave me a comment and let me know. I love feedback.
Also if you have a budget tip of your own, question, scenario, etc., you would like to see in my monthly post, leave me a comment or send me an email at simplybudgeted at gmail dot com! I LOVE hearing from you!
My disclaimer: I hesitate to write all of this in the political environment we are in today but I feel that we all need a reminder that WE are responsible for ourselves and providing for ourselves. So when you look at your budget, be sure take a hard look at your “necessities” and your “extras” and decide if they fit not only your budget but your principles in life. If comments are left that are not encouraging to others who read this post or are just plain mean, I will delete them. Simply put, huh? Yup. Be nice as you think about this topic and your own personal health! If you must, send me an email to share you opinion.