Showing posts with label credit card debts. Show all posts
Showing posts with label credit card debts. Show all posts

Monday, April 5, 2010

Surviving the Hospital Stay: Must Bring Items




I stayed in the hospital for a few days this week and thought I should be writing this piece for all of you Sassy Chicks out there. I know when you're feeling like hell you don't care about how you look, especially when every part of your body is painful. I understand that part, it ain't easy being sick and even if you don't wanna look terrible, chances are 99% you look really horrible.  I know don't raise your eyebrows at me, just telling the truth here. 

I don't think it's a reason to look terrible and stop taking care of yourself just because you are in the hospital. Unless of course if you become severely ill and would not be able to groom yourself, that would  be excusable. However, if you are able to there is no excuse not to get groomed.


What To Pack?

Here is a list of things that you will need should the doctor tell you to stay in the hospital for a few days.

1. Baby wipes- make sure that you have a few packs or bottles of alcohol free baby wipes stocked at your place. This is very useful especially when you are in the hospital. You can use this as feminine wipes and at the same time clean surfaces with it as well as your hands.

2. Toiletries- don't forget to bring these ones along, a small bottle of shampoo and conditioner, a small bottle of body wash, a small bottle of lotion, feminine wash, toothpaste and toothbrush, mouthwash, deodorant or antiperspirant whichever you prefer. Don't forget your facial toner or cleanser.

3. Lip gloss or lip balm - I personally take this one with me even in the hospital. The air conditioning unit in the room usually makes my lip chap and dry. That is of course is unsightly and so to prevent that I carry a gloss or balm with me.

4. Pack your favorite PJs - a nice cotton pj is great for hospital stays or a cotton shorts and cotton tank top. Make sure that it is clean and still looks good. You don't want to wear a rag where everybody sees you. Wearing nice things even when you're sick helps increase your sense of well being and people who feels good about themselves have higher chances of recovering quickly.

5. Pack your good undies - here's a fact most of the time doctors will be examining your body and that means you may have to expose a part of your body. You definitely don't want them to see your grandma's panties right? It is embarrassing if you wear bras with stretched out straps that looks like it could be thrown out to the trash or panties that are faded and has stains on it. Your undies will speak about who you are. What kind of person are you, if you are clean or a lazy louse. So, pack those good ones and discard the worn out ones.

6. Bring your fave cologne- nothing repels another person than a bad smell. Make sure while you are in the hospital that you are clean and smelling good. You might ask help from the nurse on duty or the nurse assistant to help you bathe if you have  difficulty in doing so. Spritz on your favorite cologne to give you that clean fresh feeling. Make sure that you use a scent that attracts people not repel them lol. Some colognes have the heavy musty smell and frankly speaking you must avoid that especially in a closed room, it would be enough to give the medical team a headache for the rest of the shift.

7. Bring your fave book/ psp - it could be very boring to stay in the hospital with nothing to do. This will be a good time to catch on with some reading. You could bring your favorite book or magazine to pass the time away, or else bring your psp to entertain yourself. If it is not against the hospital policies you could bring your laptop with you.

8.Bring some goodies - if you are allowed to eat sweets or chips bring some along or you could bring extra chocolates and offer it to your doctors and nurses. They would definitely love that and this is one way of establishing rapport with them and you can be sure they will take good care of you while you are there.

9. Thank you cards- a small thing can go a long long way. Give thank you cards to the nursing staff and your doctors to let them feel that you appreciate what they did for you. You can give these when you are being discharged. They will remember you and should you be hospitalized again you have made some friends around and they will accommodate your needs and make sure you get a vip treatment.

10. Air Freshener or potpourri- I know you are not going on a holiday vacation, if you are like me I like to stay in a freshly scented room. Hospitals have this distinct kind of odor that makes me feel nauseous and so I like to bring a small air freshener and  hang it where the air conditioner is or a handful of potpourri wrapped in a net like cloth just to freshen up the room.

Never Forget To Bring:

Of all things in your to do list never forget to bring the following:


1. Hospital Record/ No.- If you have a hospital record already don't forget to bring that so it would be easy to pull up your records of previous hospitalization. This will also give a good deal of information to your attending physician and the nursing team and will greatly help in the planning for your care.


2.Recent Laboratory Tests- If you had undergone any laboratory test within 6 months prior to your hospitalization bring it along as this will help the doctor in evaluating your present health status.


3. Maintenance Medication- Do not forget to bring your maintenance meds, this will save you money should your physician allow you to continue taking it.


4. Insurance Cards/Medicare Card- You would be needing this during admission. You could save a lot of money from hospital bills when you present your insurance or medicare cards. If you are an insurance holder the hospital will ask for your card as a proof that you are indeed the owner of that insurance policy.


5. ATM/Credit Cards - Should your insurance not shoulder all the bills or your credit limit has been used up, make sure you have your atm card or credit card with you to pay the excess bills not covered by your health insurance or medicare. It will save you the panic and the embarrassment of not being able to pay your bill.


Friday, March 12, 2010

The Single Chick's Guide to Budgeting

Most single chick's concern of all concerns is budgeting. Handling  finances and sticking on a budget could seem like a great challenge for some. I know, I know don't stare at me like that! I can quite relate to you baby doll, I have been there so many times. I couldn't seem to stop myself from buying this and that and whatever I laid my eyes on. I have been nearly broke several times because I did not stick to the budget. I spent more than I should.

The tendency to over spend among women is quite common. Especially among single, never been married, never had children women. There is the temptation of buying new shoes just because it was on sale, new clothes well because we would want to always look our best or impress the cute guy at the office, its just that sometimes our spending habits are out of control. We come up with all sorts of excuses and rationalize about what we did. In the end we are living in denial that something is seriously wrong with our spending. In the end we suffer the consequences of our action.

Ever watched the movie "Shopaholic"? The whole time I was watching it I kept saying oh "that's me" . I used to live like Rebecca Bloomwood. I'd spent left and right and ended up barely with nothing. It was insane, I guess I had gone mad. Another girl I could quite relate to is Carrie Bradshaw from Sex and the City. She was addicted to shoes and high fashion, in one episode  she spent around $40,000 for Manolo Blahnik's shoes! Insane right? I remembered in one of her lines she said she could have bought an apartment if she did not spend so much on shoes! I guess I would have a fat bank account right now had I not squander all my money on those girly stuff. Sigh.

There's good news for everyone, there is still hope for all the shopaholics out there!  You don't need to be a math whiz to figure things out. What you need is self discipline and bulldog tenacity when it comes to sticking with your budget. I know  whenever you walk the shoes on display at the corner store winks at you. The mannequin on display with that  cute red dress with the $100 price tag waves at you hahaha. You gotta learn to restrain yourself sweetheart because the world will not run out of things to sell, what will run out is the green bucks on your pocket and you could end up poor and homeless.

So here are my tips for you my fellow shopaholic.

1. You gotta sit down and write down your net pay. Meaning the amount you get to take home every month after taxes. Write down the basic bills you have to pay and then the groceries.

Example:
Net Pay for the Month of March: $2700
Less expenses:
Light: $50
Water: $50
Rent: $500
Phone and Internet: $ 49.99
Cellphone: $99
Subtotal: $748.99
Groceries: $150
Grand Total: $898.99

2. Learn to pay yourself. Open an account this should be your "do not touch" account. This is for your life savings or retirement. Pay yourself  %10 from your total net pay so that should be $270/ month that should go into this account.

3. Create an emergency fund. This account could be an atm account so in case of emergency you could easily withdraw. Ahemmm... may I say it again "real emergency cases only", not shopping emergency! You could deposit at least $75/ month. Oh don't complain girl remember this is all for you. You can spend $200 on shoes why not pay for the future?  In a years time you could earn $ 900 in the account plus interests. Now do not keep your card in your wallet chances are you are going to use it.

4. Open a debit card account primarily for your bills. Keeping different accounts keeps you on track in budgeting and gives the assurance you will not over spend or touch your other accounts.

5. Set up another account for traveling, that's if you like to travel. Perhaps you can deposit $75/ month, in a few years time you can  take your dream vacation. the amount you deposit all depends on you.

6. Again set up another account for your wish list. For example if you would like to buy a car perhaps you could deposit $100 into this account per month. It will give you quite a good amount for down payment of a new car, in about a year's time.

7. Set up a fund for spending or shopping for personal items but keep that at minimum.  Let's say you have given yourself $200/ month shopping money. Make sure that you stick with it. Discipline yourself not to over spend. Forget that you opened other accounts in the bank that way you would not think of withdrawing all your money.

8. Pay your debts with the extra money that you have. Now let's check our budget list.

Net Pay: $2700
less:
Light: $50
Water: $50
Rent: $500
Phone and Internet: $ 49.99
Cellphone: $99
Subtotal: $748.99
Groceries: $150
Grand Total: $898.99
Savings Account: $ 270
Travel Account$ 75
Emergency Fund: $ 75
Wish list: $100
Shopping Fund: $200
Subtotal: 1610.99
Debt Payment: $600
Grand Total: 2218.99
You still have an extra amount of $481.01. What you do with the extra money is up to you but I do suggest you open an account that could pay for a new house. So if you save $481.01 per month, in a year you will have $5772.12. It may not suffice to buy a new house yet but that is money saved and that's better than having nothing. Plus you get an interest too, so your money will grow.  I suggest that you put it in time deposit that way it will yield better interest rates.

8. Just keep only 1 credit card for emergencies. Choose the card that has a lower interest rate. Keep your card at home and not in your wallet.

9. Gather all loose change in a small jar. Those little pennies could pay for Christmas gifts come December. That way you don't have to over spend during the holidays. Another tip is buy Christmas gifts during sale period because you will pay less. Then you can store those items until Christmas time.

10. Cut down on going to Starbucks or eating out. If you could just bring your own lunch that would be better. You are assured that the quality of your food is good and fresh plus you do not have to spend extra.Mostly in the office you could have free coffee, if your office do not provide free coffee you can bring your own coffee , it is cheaper that way.

11. Keep your receipts and track down your weekly expenses. Remember self control is the key in staying on the budget.  Change your mindset about money, do away with the one day millionaire mentality, it is not healthy for you at all.

Finally, after reading this I hope you will put all of these steps into action and let's see if you will not be debt free and financially independent in no time. Hope this tips have been helpful to you. You could print this out and read it over and over until it make sense to you. I would want to hear great testimonials from my fellow single chicks! Hit the comment button below if you have great things to share or if you need help. Your Single Chick sistah will get in contact with you very soon.

Best Regards.