Skip to main content

Well! So That Was April.

Happy spring! Here in the $76K household, April turned out to be a rather eventful month:

1. Our teenager ended up in the ICU and was diagnosed with Type 1 diabetes. 

File this situation under "Things We Would Have Never Predicted," especially given that he was rarely ill up until now. In fact, it had been so long since we'd seen his doctor that the man had retired in the meantime and we had no idea until the ER team asked for the name of his primary care physician.

2. As a result, we've been learning and trying new things.

Since he was released from the hospital, we've been learning as much as we can about T1D and working with his doctors to get his blood sugar into a healthy range. This has involved frequent blood glucose checks (his fingers have become pin cushions, basically), insulin injections, and some dietary modifications. It's a lot of responsibility for a 15-year-old who's also in the middle of final exams, but he's handled it amazingly well and is feeling a million times better.

He can eat whatever he wants as long as he matches carbohydrates with insulin, but he's found that consuming protein at every meal helps keep his blood sugar in check. So I've been trying out new protein-rich recipes to add to our meal repertoire. So far, everything we've attempted has been a winner, including Kahlua pork, chicken adobo, baked lemon chicken, mini meatloaves, vegetarian Buddha bowls, tofu scramble, and steak fajitas.

Although I've been a vegetarian for years, last week I started eating meat again because making two versions of each meal on top of everything else that's going on is too exhausting at the moment. That's been a bit weird for me, but it's also made cooking more straightforward and enjoyable (especially when I can just dump a bunch of ingredients into a crockpot and let it simmer away all day). 

3. We made a monster payment of $6300 on our last student loan, bringing our current debt total down to $23,424. 

That means we've eliminated nearly 70% of our original $76K debt total. Not too shabby at all!

We'll need to slow our debt payoff pace for the rest of this year to focus on medical bills; our healthcare deductible is a hefty $12K. I'm hoping we'll have access to a lower-deductible plan for 2023. If so, at that point we can make the loan more of a priority again. 

Do I wish we'd selected a lower-deductible plan for 2022? Eh. Not really, tbh. There was no way to know last fall that our health situation would change. It was the best choice for the information we had at the time we selected it. We'll just have to adjust our strategy as we move forward.

Anyway, the key thing here is that the monster debt payment we did make will knock nearly two years off our payment plan, which is huge.

4. Northern Arizona experienced its first wildfire of the year.

Thanks to dry conditions and extremely high winds, a small brush fire ballooned into a major emergency in a matter of a couple of hours, leaving some neighborhoods scrambling to evacuate. It took days for firefighters to contain the blaze.

We weren't directly affected by the fire, but many people north of here lost their homes, and much of Sunset Crater Volcano National Monument was burned through. 

It's April. Wildfires shouldn't happen in April. The fact that this happened so early in the season suggests that we may be in a for a long, smoky summer.

I'm hoping May will be a calmer month for our family (and town). School will be letting out soon, we'll have a better handle on all things T1D, and we have several long weekends and a vacation to look forward to. Serenity now. 


  1. Wow! That is so much especially with your son. I am glad that he's been able to manage it. My mom has diabetes and it's a constant battle.
    Yay for the big payment on the student loans.

    1. Hiiiii! Thank you. It is a lot! I think he's handling it better than I am. Ha ha. There's just so much to learn and track and monitor. I do think it's getting easier, though (knock on wood), and he's back in a healthy blood glucose range so that's a relief.

  2. I can only imagine how it is to be in your situation, I'm glad it's getting managed. We miss you in Twitter world

    1. Thank you so much. ME TOO. I'm so glad they sorted it out and he's back on the path to health! I miss you and Twitter world, too. I wish Twitter would let us see Tweets only from the people we want to engage with.

  3. Congratulations on the impressive financial progress and the incredible family response to your son’s diagnosis. I’m so sorry he had been saddled with that though. Great work and so much love in your decisions.


Post a Comment

Popular posts from this blog

Okay, Fine, I'm Back

Why? I miss blogging. I miss talking/ranting about money and personal finance. So I've fired up a new Blogger account, this time with uber-ugly formatting circa 2005!  (A stipulation of me returning to blogging is that I don't have to make the blog look nice. Sorry. I did try to pick the best theme that Blogger has to offer, but we're not working with a whole lot of options here.) And why launch a reboot rather than pick up where I left off on the original $76K Project?  For one thing, all of my old links are broken and I'm too lazy to fix them. For another, the original blog focused on debt reduction. We've* moved beyond that. Although we still have a sizable student loan (~$30K or thereabouts), most of our fiscal attention has turned to saving, investing (we have quite a bit of catching up to do in terms of our retirement accounts), giving, and spending on the things/experiences we value. That said, I do plan to move some of the more useful and/or popular $76K Pro

So After Five Years, THIS Happened:

Something big happened earlier in October and I wanted to share it here, especially for those who've stuck around since the summer of 2017 when we started this journey : That right there is our student loan balance. Let's take a closer look: And please note that it is now ZEROOOOOOOOOOOOO. (Okay, actually -$1.02, and Mohela says they will be sending us a refund check for that amount. Whatever will we DO with our newfound fortune) That's right. The student loan that has clung to us like an ultra-persistent leech for the past 20 years is gone. What's more, we are finally, FINALLY [[[Drum rolllllllllllll]]] DEBT FREEEEEEEEEEEEEEEEEEEEE. Here's a graph of our debt payoff in the context of big life events such as medical emergencies, job changes (including my Big Quit back in April 2019 ), and a global pandemic. The x-axis represents month/year (with June and December shown). The y-axis represents total debt in thousands of dollars: Five years, people! FIVE! That's a