Click here for more info on my monthly spending roundups – your question will probably be answered there.
So, some big medical expenses last month!
Financially speaking, it was not the smartest to have my wisdom teeth out right now. But the pain was getting bad, and T being off work meant he could help look after me while I recovered.
Physically speaking, it really wasn’t anywhere near as awful as I’d imagined – details here. And financially, it wasn’t as bad as I’d worried, either – only $1050 for all four out, the rest of it being for the initial checkup, clean and x-rays, plus the meds I had to get afterwards. (White Cross Dental New Lynn, highly recommended!)
I’ve considered applying for health insurance a few times over the years; Southern Cross has a partnership of some sort with many workplaces, including my current and previous employers. But the numbers just don’t make sense. We are pretty healthy - our issues are generally accidents/emergencies on T’s part (the ER is free; the time off work not so much) and optical for me. Basic health insurance plans in NZ don’t tend to cover optical and dental; those add-ons cost more and aren’t worth it, and none of them ever cover the cost of wisdom teeth extraction.
In other less wise moves, we also went out to a late Valentine’s dinner after the layoff – we’d been putting it off until the week after the day because of work, which turned out to be … interesting timing. But I’m pretty happy with our dining out spending, and totally stoked with our grocery spending (we’ve definitely been spending less since we returned to NZ, thanks to our new eating habits and smaller appetites).
Seeing as T was laid off halfway through the month, his spending is definitely on the high side (that’s more like a full working month allowance…) But there’s no point going on and on about it. It’s always going to be a point of contention, which is the whole reason for a don’t-ask-don’t-tell allowance.
Thinking about the future … I veer between extreme optimism and hopelessness. Right now, it’s definitely skewed towards the latter. I keep thinking we’ll never be able to save for a down payment (previously, there were moments where I was thinking that given the money some of T’s colleagues make in a year, it might actually be within reach in a couple years! So much for that).
I honestly see no way for house prices here to fall unless something is done to stop both investors and nonresidents/citizens buying property, which isn’t going to happen. So I guess we wait until the next recession – and hope we don’t lose our jobs in it.