Ok, that was a lame attempt at Halloween humor, but things were a bit scary there for the last couple months. We had built up quite the backlog of medical bills, but I am glad to say that I was able to work out payment plans with ALL of the providers without having to incur any new debt to do so.
I also got some decent news over the last couple months -- the big one being getting a rather generous staged raise between now and January 1st. The first part of it was effective this month, and while I've only had two paychecks with the extra money, the effects are already starting to become apparent. In January, the next phase kicks in. This is awesome not only that it is extra money, but the total between my raises and all of the money that I've been able to free up by cutting lifestyle equates to about what our old house payment used to be :). The realization that you have managed to gain basically a mortgage payment is a very good one indeed.
With the payment plans I've got in place and the extra money coming in now, I've got a great outlook for how the rest of 2009 will go and how 2010 will turn out. I'm already starting to get panicked calls from creditors about my balances going away. I've got a 0% interest medical loan that I've just about paid off. When it got to be about 5 months away from being paid off, they have been calling me once a week with "good news" that I've got money available that they will gladly give me -- at 24% interest. No thanks :). By the way, making sure they only have my Google Voice number is awesome. It makes it easy to ignore them :).
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