Beating Broke

Why My Health Became a Priority

May 9, 2022 By MelissaB Leave a Comment

Growing up, my parents were overweight and inactive. I was chubby through most of my childhood and disliked physical activity. When I was in my 20s, I slimmed down and exercised sometimes, but not much. In my 30s, I still exercised occasionally, but not regularly, and my weight crept back up. I knew as I aged I should exercise more, but I just couldn’t find the motivation. That changed when I began to experience heart issues.

Why My Health Became a Priority

Heart problems run in my dad’s family. I always thought I was fine because despite my inactivity and being overweight, my bloodwork always came back normal. Cholesterol was in normal range as was blood sugar. I knew I’d have to get serious one day about my health, but I kept putting it off.

When I started feeling heart palpitations, I went to the doctor. I had a stress test, and the doctor told me I had a heart murmur, arrythmia, and PVCs. His prescription? Walk two miles every day.

Implementing the Doctor’s Advice

When I received this advice from my doctor, I was obese and inactive. I started walking and watching what I ate. At first, I could only walk a half mile a day. But the more I walked and lost weight, the easier it became. Now, a year after that doctor’s appointment, I’ve lost nearly 50 pounds and am walking two to two and a half miles a day. My heart issues have largely subsided, and even better, my fasting blood sugar has dropped nearly 15 points.

Getting Healthy Doesn’t Have to Cost a Lot

For the first few months, I walked outside. However, I spent $350 to buy a treadmill to avoid walking in the Arizona heat. That’s all I have spent on my journey to get healthier.

When I compare that cost to how much I would pay in medical bills and medicines I would need if I didn’t take care of my health, getting healthier is much cheaper.

Benefits of Prioritizing My Health

There are two major benefits to prioritizing my health.

I Feel Better

Now that I’m exercising regularly, I feel much better. I sleep better, and my body feels lighter and stronger. I am able to get more done in a day.

I Avoid Expensive Medical Interventions

I should have exercised regularly years ago. Who knows? Maybe if I had, I would have avoided having any heart issues or at least delayed their onset. But I can’t change the past. Instead, I’m focusing on eating healthy and exercising regularly. Even starting these habits in midlife can affect the quality of my life as I age and help me avoid expensive medical interventions.

Final Thoughts

Many of us are guilty of thinking we’ll start a healthy lifestyle. . .sometime. But I’m here to tell you there is no time like the present. Not only will you feel better, but you’ll save yourself money by avoiding expensive medical interventions and chronic conditions.

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Should You Only Get Your Teens Braces If They Want Them?

April 18, 2022 By MelissaB Leave a Comment

Do your kids have braces? If so, they join the nearly 70% of teenagers between the ages of 12 and 17 who have or have had braces (Kennell Orthodontics). Most orthodontic treatments cost between $3,000 and $7,000, representing a serious investment for parents. Unfortunately, many teens don’t appreciate this financial investment, which begs the question, should you only get your teens braces if they want them?

My Braces Story

When I was a teen, I didn’t need braces, but I did need a retainer. I found the retainer uncomfortable, and I had a lisp when I talked with it. I had to tell my teacher I was missing page 66 in a textbook, and with the retainer, what I sounded like was, “I’m mithin’ page thixty thix.” He couldn’t understand me and had to ask another student to translate.

I took the retainer out every day to eat lunch and wrapped it in a napkin. However, one day I accidentally threw it away. To this day, my mom thinks I did it on purpose, but I didn’t. She didn’t buy me a replacement retainer, and my brief stint in the orthodontics world was over.

My Children’s Braces Stories

I have three kids. The older two needed braces; the younger one did not.

My son disliked his braces. When the treatment was over, he never wore his retainer. My husband and I spent over $3,500 for his orthodontic treatment. We feel that we wasted money because, without a retainer, his teeth continue to shift. I wouldn’t be surprised if someday they’re back where they were before we started treatment.

Our daughter doesn’t like braces, but she fastidiously maintains them. Even though she’s in treatment, I do not doubt that she will religiously wear her retainer and maintain her new smile.

Should You Only Get Your Teen Braces If They Want Them?

That’s a tough question because I feel that I wasted my money on one child but not the other. Ultimately, I would say the decision comes down to how much will the child be impacted in the future if he does not get braces?

If the child has overcrowding or an under or overbite that may cause damage to her teeth in adulthood, then you should get them braces. However, if the teeth are simply overlapping or have gaps in them, perhaps you could gauge whether or not you should get him braces based on his interest.

Final Thoughts

I’m not a doctor, so I am only giving my opinion as a parent with two kids who had braces and had vastly different behavior towards those braces. As a parent, I’m frustrated by paying thousands of dollars for a child who won’t maintain that dental work. I’m sure my mom was just as frustrated by me.

Unfortunately, the optimal time for orthodontic work is during the teen years, when most kids aren’t particularly responsible. As for me, I sought orthodontic treatment in adulthood to fix my teeth, and I was much more responsible than I was as a teen, especially since I was the one paying for it.

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Our Experience Bypassing Auto Insurance

April 4, 2022 By MelissaB Leave a Comment

A few years ago, my husband and I decided to travel with our then three-year-old to visit my alma mater. We were driving around, seeing the sites when we were rear-ended. The driver, a man in his thirties like us, was apologetic and gave us his license, name, and number. And then he said that he wanted to pay for the damages himself, bypassing auto insurance.

Our Experience Bypassing Auto Insurance

I don’t know the details of why this man wanted to bypass auto insurance. I assumed he already had some claims on his insurance and didn’t want to add more. Not only would that raise the price of his insurance, but if he had several claims on his insurance in a short time, his insurance company might drop his coverage.

My husband and I lived five hours from my alma mater, so all communication was done via phone.

Getting an Estimate

I went to a local repair shop and got an estimate for the damage. The total came to $1,462. I got a copy of the receipt and sent it to the man who hit us.

He didn’t ask for a second opinion. He accepted the quote and promptly sent me a check. However, when I received the payment, he had transversed his numbers and sent us $1,642, $180 more than the estimate.

I notified him about the overpayment, but he didn’t want to hassle with anything. He told me to keep the extra money. At this point, I think he just wanted to get the repair done.

We Were Lucky

Looking back, the man who rear-ended us was lucky because my husband and I are honest. I knew that the man was trusting us, so I went to a shop we had used for repairs before and that I trusted. I didn’t try to milk the man for more money.

We were lucky because the man who hit us was motivated to keep this accident off his insurance record and get the process over and done with. He paid us promptly.

Would I Do It Again?

Would I bypass auto insurance again? It depends. I recognize that I could have had an issue with the man not paying, but I didn’t. He was honest.

Still, when you bypass auto insurance, you take a risk. If I just had a minor fender bender, I may take that risk again. However, I would write down the other driver’s auto insurance company and policy number, so I would have recourse if he failed to pay.

If the accident was more than a fender bender, no, I would not bypass auto insurance. The repair cost would likely be higher than a thousand dollars, and I wouldn’t want to risk losing that much money. Also, a more significant accident would require calling the police. Then an insurance claim would need to be filed.

Have you ever bypassed auto insurance? If so, what was your experience?

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