Comments on: You Have Less Than You Think http://youhavemorethanyouthink.org/you-have-less-than-you-think/ A productivity focused guide to maximizing the money you have to obtain more of what you want. Mon, 06 Sep 2010 03:49:43 +0000 hourly 1 http://wordpress.org/?v=3.0 By: Julia http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-1053 Julia Fri, 05 Feb 2010 16:22:34 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-1053 the cost of your medications, even with the help of the drug companies, might be helped thru a medicaid program. those programs have an income limit and an asset limit, but if your out-of-pocket expenses are exorbitant enough, the limits might not apply. i think the rules change from state to state, but they're worth looking into. the way health expenses add up...it's so, so tough to deal with. the cost of your medications, even with the help of the drug companies, might be helped thru a medicaid program. those programs have an income limit and an asset limit, but if your out-of-pocket expenses are exorbitant enough, the limits might not apply. i think the rules change from state to state, but they're worth looking into. the way health expenses add up…it's so, so tough to deal with.

]]> By: Julia http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-1052 Julia Fri, 05 Feb 2010 16:19:32 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-1052 if having sensible financial outlook makes you a republican, then i am faaaar more right-wing than i ever thought. i never knew! (and yes, i agree with everything you said to larissa! i'm trying to teach my boyfriend about finances now that he has a steady job and i'm amazed at how much he has to learn about budgeting and credit--at 35, you'd think he'd learned to be a grownup about this stuff by now! but i'm so glad that he's willing to learn. :) if having sensible financial outlook makes you a republican, then i am faaaar more right-wing than i ever thought. i never knew!

(and yes, i agree with everything you said to larissa! i'm trying to teach my boyfriend about finances now that he has a steady job and i'm amazed at how much he has to learn about budgeting and credit–at 35, you'd think he'd learned to be a grownup about this stuff by now! but i'm so glad that he's willing to learn. :)

]]> By: Carla http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-958 Carla Fri, 29 Jan 2010 22:56:38 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-958 Unfortunately, MS medications only come directly from the drug companies (no generics, too specialized), but the companies themselves do offer discounts to people who cant afford it. They can cost over $30,000 a year so they subsidize a lot. Unfortunately, MS medications only come directly from the drug companies (no generics, too specialized), but the companies themselves do offer discounts to people who cant afford it. They can cost over $30,000 a year so they subsidize a lot.

]]> By: FinEngr http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-953 FinEngr Fri, 29 Jan 2010 22:00:05 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-953 Carla, That's amazing. Don't ever feel like your not worth the money. I had planned on writing a post on this topic, but you've given me the perfect lead in. Americans overspend on junk, yet cut themselves short on things like food quality and medical care. Smart move relocating to reduce your medical expenses. Were there other financial benefits from the move? (lower taxes, rent, etc). Also, have you considered negotiating/haggling with your dentist and/or doctors regarding your bills? Can't hurt to ask, I'm a big proponent of finding value and never paying full price for anything. Carla,

That's amazing. Don't ever feel like your not worth the money. I had planned on writing a post on this topic, but you've given me the perfect lead in. Americans overspend on junk, yet cut themselves short on things like food quality and medical care.

Smart move relocating to reduce your medical expenses. Were there other financial benefits from the move? (lower taxes, rent, etc). Also, have you considered negotiating/haggling with your dentist and/or doctors regarding your bills? Can't hurt to ask, I'm a big proponent of finding value and never paying full price for anything.

]]> By: TheyCallMeCheap http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-957 TheyCallMeCheap Fri, 29 Jan 2010 18:07:20 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-957 If you haven't already, do the same with your medications. I once expressed concern to my allergist that name brand medication for a chronic condition, like asthma, can get expensive over time. My copay is only $20, but, uh, you know me. My doctor ended up giving me a 30 day free sample. She mentioned that she tries to save samples for her patients who don't have any health coverage. So, I think all doctors are becoming more sensitive to their patient's needs to cut costs on medical care. If you haven't already, do the same with your medications. I once expressed concern to my allergist that name brand medication for a chronic condition, like asthma, can get expensive over time. My copay is only $20, but, uh, you know me. My doctor ended up giving me a 30 day free sample. She mentioned that she tries to save samples for her patients who don't have any health coverage. So, I think all doctors are becoming more sensitive to their patient's needs to cut costs on medical care.

]]> By: Shawanda http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-956 Shawanda Fri, 29 Jan 2010 17:49:55 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-956 Thanks! I'm not sure if you're referring to marriage or the wedding, but since your comment made me think of weddings, I have a little something to get off my chest. I'm 99% sure when the time comes for me to get married, I'll do it at the court house or Vegas or somewhere real cheap. I'll skimp on the wedding, but it needs to be clear to my significant other I'm expecting a nice sized, high quality diamond. :) When men find out you're frugal, they think they never have to spend any money on you. I do enjoy nice things. Think I'm gonna be walking around with a cheap piece a glass on my finger. Please! Thanks!

I'm not sure if you're referring to marriage or the wedding, but since your comment made me think of weddings, I have a little something to get off my chest. I'm 99% sure when the time comes for me to get married, I'll do it at the court house or Vegas or somewhere real cheap. I'll skimp on the wedding, but it needs to be clear to my significant other I'm expecting a nice sized, high quality diamond. :)

When men find out you're frugal, they think they never have to spend any money on you. I do enjoy nice things. Think I'm gonna be walking around with a cheap piece a glass on my finger. Please!

]]> By: Carla http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-955 Carla Fri, 29 Jan 2010 17:45:39 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-955 I was born and raised in the Bay Area and we moved to Portland to basically have a better quality of life. Lower cost of housing, good quality medical care, lower business expenses and taxes, great city, lots of things to do, etc. I can at least ask my dentist to see if negotiation is possible. Thanks for the tip! I was born and raised in the Bay Area and we moved to Portland to basically have a better quality of life. Lower cost of housing, good quality medical care, lower business expenses and taxes, great city, lots of things to do, etc. I can at least ask my dentist to see if negotiation is possible. Thanks for the tip!

]]> By: Shawanda http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-954 Shawanda Fri, 29 Jan 2010 17:43:40 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-954 Good point. I saw an article in Real Simple magazine about a month ago that talked about how to save money on health care. How to Save $5,000 This Year: <a href="http://bit.ly/csFSXj" target="_blank">http://bit.ly/csFSXj</a> Here's an organization mentioned in the article that seems to have a lot of helpful resources: <a href="http://www.oralhealthamerica.org/" target="_blank">http://www.oralhealthamerica.org/</a> I also wanted to mention another article I found on the Wall Street Journal's site. Hard-to-Insure Find Novel Way to Get Coverage: <a href="http://bit.ly/ckdqC5" target="_blank">http://bit.ly/ckdqC5</a> I'm not sure it's helpful to you, Carla, since you live in Oregon, but maybe other people could learn something from it. Good point. I saw an article in Real Simple magazine about a month ago that talked about how to save money on health care.

How to Save $5,000 This Year: http://bit.ly/csFSXj

Here's an organization mentioned in the article that seems to have a lot of helpful resources: http://www.oralhealthamerica.org/

I also wanted to mention another article I found on the Wall Street Journal's site.
Hard-to-Insure Find Novel Way to Get Coverage: http://bit.ly/ckdqC5

I'm not sure it's helpful to you, Carla, since you live in Oregon, but maybe other people could learn something from it.

]]> By: FinEngr http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-952 FinEngr Fri, 29 Jan 2010 16:45:30 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-952 Agree w/ Shawanda. John - you should NEVER have to pay for your money....ITS YOUR MONEY. Get out there and find a new bank ASAP. Check out some local credit unions if you can, they are significantly more client-friendly. Agree w/ Shawanda.

John – you should NEVER have to pay for your money….ITS YOUR MONEY. Get out there and find a new bank ASAP. Check out some local credit unions if you can, they are significantly more client-friendly.

]]> By: ModernHippie http://youhavemorethanyouthink.org/you-have-less-than-you-think/comment-page-1/#comment-951 ModernHippie Fri, 29 Jan 2010 16:31:06 +0000 http://youhavemorethanyouthink.org/?p=1655#comment-951 I have nothing more to add, other than...I want to be like Shawanda when I grow up! I remember so clearly when I had NO debt, nada! Car...paid for, credit cards...paid in full, mortgage...nope! What happened? Love and marriage honey, love made me stupid...getting married broke the bank! If only I had it to do over again. But with Shawanda's no-nonsense insight and suggestions I know I can turn it around! Holla! I have nothing more to add, other than…I want to be like Shawanda when I grow up! I remember so clearly when I had NO debt, nada! Car…paid for, credit cards…paid in full, mortgage…nope! What happened? Love and marriage honey, love made me stupid…getting married broke the bank! If only I had it to do over again. But with Shawanda's no-nonsense insight and suggestions I know I can turn it around! Holla!

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