Down in the Dumps: Being Considered a Failure


Warning. This is not a happy joy post. What follows is a wall of depression text, so if you’d rather not go there with me, feel free to skip this one.

It has been a while since my last post. I still have my job, which I am grateful for. Things are very quiet there these days. A few more co-workers left on their own after the layoffs. They either took other jobs or are just quitting to get off of the treadmill. I envy their ability to afford to do that. There are a handful of us left in the office so… it’s really quiet.

Why am I still there? It’s not Read More

The Post Where DDSW Falls Back into Credit Card Debt?


Should I have known that it was too good to be true? I was gloriously out of credit card debt for two weeks. Then it happened. The health problem that I’ve been telling you about decided that it didn’t want to wait for me to save up an emergency fund. It sent me to the Emergency Room instead.

It was a 7-hour all-night ordeal of which I will spare you the gory details.  The first three hours I spent in the waiting area at the point of tears and in utter pain. I’d never been to an Emergency Room before and let me tell you, that the stereotype of the crowded, underfunded, understaffed ER department was true in my case.

Finally, I was taken into a room where a procedure was performed to relieve the immediate pain. I had some bloodwork done and was given a CT scan.  The underlying health problem was confirmed by the scan. Surgery will be required in the near future along with visits to specialists.

After some deliberation about whether I would be kept in the hospital overnight, I was finally allowed to leave around 4:30am.

Thankfully, I have insurance, but it is a high-deductible plan. I don’t yet know what the bill will be for my emergency room visit, but needless to say, it will be much more than the $2k that I have managed to save so far. When the bill comes in, I will be updating my numbers. Hopefully, I will be permitted to pay the bill on an installment plan. If not, it will have to go on the credit card. Sigh.

At least by the time I have the surgery, I will have met my annual out-of-pocket limit. Hopefully, my insurance will pick up the tab from that point forward.

Well, I knew that this would have to be dealt with sooner or later. I suppose fate has brought it forward.


“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW)