I’m on my boyfriend’s health care plan from his work. So the plan costs approximately $100 per month to be on for the both of us (which is still cheap as hell), but he only has to pay the taxes on the cost of the plan. So taxed at a rate of 22% (it gets taxed as income on his paycheque), it only costs us $22/month for full health care for the both of us, including dental, and a $35 deductible on prescriptions. The prescriptions alone are worth it.
Anyway, the reason why I bring it up is because next Wednesday I have to go in for my wisdom teeth surgery. I know, I should have gotten it done a billion years ago … but I moved for University before I could even really think about it way back when I was 17. The surgery without health care would cost over $2,000, but it is fully covered under my medical plan … all except the general anesthetic, which I’ll have to pay $200 for, because apparently it’s not considered “essential” to the surgery. It’s a far cry from having to pay $2,000, but considering it a non-essential is pretty bold. I mean, would anyone in their right mind have their wisdom teeth taken out without being put under? Honestly, it seems so ridiculous.
There goes another $200, plus any lost wages from days I miss off work … damnit!
I wish I knew 5 years ago that I’d want a condo eventually. I really wish I had thought things through. Planned ahead. I wish I had saved up a ridiculous amount of money, so that when I did get to the stage where I could actually afford mortgage payments, I’d be okay with the 25% down payment to avoid that nasty default insurance.
But, I didn’t.
So here I sit, 24 years old, twiddling my thumbs and frantically trying to save up money as fast as I can. I wish I were like my sister. For some reason she has the “spend less, save more” gene I apparently don’t have. I wonder what made her the way she is, and made me the complete opposite. While I try to play catch-up with my finances, by the time she’s my age, I betcha she’ll be all set to go, without a financial care in the world.
The thing is, with our combined income, I know my boyfriend and I could easily buy a brand new condo right now in the downtown area, and be living quite comfortably – even in the hot real estate market we live in (the average house here costs over $500,000!) … but it’s tricky. Buying property with someone is a huge investment not only financially, but also in the relationship. I always thought that I’d buy my first condo by myself, and then buy my first house when I got married. Now that I’m in a relationship, and we’re looking down that long-term road, I don’t know if I like what I see.
I usually find that buying CDs gets classified under “want” instead of an actual “need.” That is, unless any one of my favourite artists just happens to be releasing an album. Then I must own it, no questions asked, no matter the price. I’m all for being frugal, but a girl’s gotta have some form of entertainment! (Another weakness of mine: concerts. Nothing beats live music. Nothing.)
It just so happens that two of my favourite artists are releasing albums in the next few months! Squee!! Jeremy Fisher is releasing his album, Goodbye Blue Monday, on March 27th. If you think his name sounds familiar, he’s the Canadian guy who rode his bike across Canada for 6 months, performing and raising money for “Tour des Femme,” which promoted bicycle transport and education for girls in Africa. He’s a really great guy, and he even helped me by promoting my HIV/Sexual Awareness campaign at one of his performances in 2005. :)
The next album coming out is Easy Tiger, by Ryan Adams on June 5th. The man is a frigging genius, and that’s all there is to it. This is his first official album in a while. In November 2006, he released 16 albums via streaming audio on his website. 16 full-length albums. Granted, most of it was crap, but a lot of it was pretty good.
Anyway, that’s $30 extra I have to budget for in the next few months!
Also, since I’ve installed a hits counter on my blog, I’ve noticed no one has actually visited in the 3 days since I launched this site. I wonder how I can infiltrate and make friends with all the other PF bloggers out there? Maybe I’ll go over to the blogs that I read regularily, and comment that I really like reading their posts, instead of being all annonymous about it.