This morning I went to my dermatologist to have him check out some growths on my thigh I became concerned about. Skin cancer runs in my family and I had a mole removed a couple years ago, also on my leg. I figured I needed to know whether I needed to be worried before canceling my health insurance. My doctor has been out of the country for the last month and a half so worrying about this has been in the back of my mind. It turns out the growths aren't even moles but are caused by insect bites. And that my doctor does not take my insurance anyway. He accepts Blue Cross Blue Shield but I have BCBS - Select and he doesn't take that one. So much for the $350.00 a month I am paying for health insurance. I can't afford it but am so fearful of not having it, especially because of my husband's long illness and then when my youngest got diagnosed with Long QT Syndrome.
While on the road, my bankruptcy atty. called me and we talked about my not being able to afford the filing right now. I have received two checks totaling almost $1,000.00 from the mortgage lender from when I sold the house. But I am unable to cash them because they are made out to the estate of my deceased husband (and with no will or estate set up my bank won't cash them). My attorney said he would prepare and file a small estate affidavit for me free of charge if necessary.
Then I went to State Farm to discuss options for car and health insurance. I want to suspend the ins. on my beater car and just start using the van. I also requested that my oldest be taken off the policy just for now, until I get a job. But apparently there were problems doing that. I still have to figure that out. My agent warned me to not cancel my health ins. before being accepted for another plan so I've kept the Blue Cross for now although I am starting to have panic attacks about not being able to afford it, having the payment bounce and then getting prosecuted for writing bad checks and then not being able to find work because I'll have a criminal record... Oh lord, the worry just doesn't cease.
I stopped by a local resource center to check into benefits. The food pantry had just closed but is open every Mon. and Wed. I am no longer ashamed to apply for any type of assistance.
I called up my old mortgage lender to see if they would reissue the checks but they will not because my husband was the only name on the mortgage. They suggested I stop by one of their facilities that operates as a bank. I did so but it turns out the place is not affiliated with the mortgage branch so they could not help me.
Then I seemed to remember having filled out a small estate affidavit at some time, so went to the storage shed and took stuff out and found a box of old records but no such affidavit. It was snowy and cold and I could not get all the stuff I took out back in so I ended up with storage boxes in the van and will have to figure out where to store them now because I am not going back to the shed any time soon. That was pretty depressing!
Sam called to tell me he was thinking of me and understands my low mood and feelings. He wants me to come over tomorrow and stay through Wed. as his son will be with him and he has to work Wed. The boys have found friends to stay with so I will go tomorrow. I told him we have to sit down and really discuss this move and whether or not it is going to happen. We also need to discuss finances and the whole nine yards. He agrees. I know he believes it best that I bite the bullet and move but he also gets my hesitation because of the boys.
During the afternoon I stopped by a large nursing facility to see what positions they have open for Nursing Assistants. There are some during the day shift, part-time only. When I got home, I spent a larger part of the afternoon than was fun tearing through my paperwork to try and find some old check stubs from the big box store that I need for the bankruptcy filing. With the move and all the crap in the storage sheds, it appears next to impossible to locate anything that I need. So I will have to call corporate for copies as I am not opening that storage shed until spring!
My oldest is sleeping over at a friend's. My youngest and I heated up the turkey and trimmings leftovers my friend gave us for the second time.
In the old days, just a few short years ago, a day like today would have been spent browsing at Barnes and Noble, eating lunch out and then seeing what was on sale at Talbot's. I would have struggled with the decision of whether or not to buy one or two sweaters, or maybe even three. Ah, the good old days.