Short post today, as things are hectic with work. I am looking forward to the long weekend!
Instead of my customary $1,000 payment at the end of the month, today I only put $700 towards the student loan. Why? Overspending in my budget. In particular, I’ve been spending a lot of money on health care. My health fund, which I funded at an unusually high $2.5k early this year, is already exhausted.
The bad news is that all of these tests and supplements are expensive. Thus, my health fund, a sinking fund, has sunk.
The good news is that because of the testing I’ve learned that I don’t have the markers for an illness that I was worried about due to some concerning symptoms. But I need one more diagnostic procedure to confirm it. I’ve been putting it off due to not wanting to spend the money (as well as the pain involved). I know I need to do it, even if it cuts into my loan payments.
I’ve also learned, thanks to the testing, that I had two severe mineral and vitamin deficiencies. With the supplements I’m now taking, I feel better and have a LOT more energy. Followup blood work verifies that I no longer have the deficiencies. The biggest hurdle is getting my hormones balanced and bringing my sky-high cholesterol down. This is proving more of a challenge, and thus it is involving more money.
I dislike having to choose between debt and health. I created my yearly health fund (a sinking fund) to avoid these kinds of decisions by having a separate bucket of money to cover any medical costs without having to slow down debt repayment. It has served me well. I have no plans to spend this much in future years, I just need to finish a few more tests for now.
All in all, I’m appreciating my health fund and will likely keep it even after I’m out of debt.