Finances during rehab

↑ notshanarishona

Thu, Jan 02 2025, 7:41 am

Posting an update (and also just explaining why I am still bumping as B”H we did get a lot of $$

https://thechesedfund.com/prem.....ation

Thank you so much to the many people who have been supporting us emotionally, financially, and with meals throughout this difficult time. It will likely still be a while until either of us can get back to full time working so if you can continue to give maaser we can still use it. I want to be totally transparent and explain where your $ is going to.
It’s been approximately 3.5 months of this gehenom , where I have been sick more often than not, being hospitalized approximately once a week, and spending more time at doctors appointments then at home or at work. Obviously this means my income has been cut dramatically .
Between myself and my husband we have been bringing in approximately 25% of our needed income now.
Our expenses are approximately $5000-6000 a month .
I am working about 5-10 hours a week when I can , and so is my husband but it’s not covering expenses at all. (Don’t forget in a normal week when I am not sick I work at least 50 hours a week) .
Our expenses are up approximately $1500 -2000 a month with the amount of extra things I can’t do and we need to hire out (cleaning help, babysitting help, etc)
Medical expenses:
Although insurance covers most things , their are several of my daily meds and essential services they don’t cover and with the amount of appointments I have I have limited strength to appeal things with them at the moment, sometimes I have to just pay now and fight later (I have a whole list of bills that I paid waiting till I have time and emotional energy to go through).
Long term plan :
Sadly, I have set up a meeting with a lawyer to talk about disability. Once we know for sure if transplant is the way to go, and if I won’t be cleared to returning to full work anytime soon, then we will get me set up with ssdi but it’s a process that can take a few years. It’s something I never would have thought I would do in a million years, and to me it’s a nightmare to say I am too sick to physically work, but I am also a realist and know that if even a fraction of what the doctors are predicting it may be years till I get back to the old Shiri.
Hopefully once we get out of crisis mode and I don’t need my husband’s help as much with all these appointments, he will be able to increase his hours, but right now the family and I need his presence.
The pool construction is secondary to my health right now but hopefully that will resume slow and steady progress and even if I can’t get back to full time running lessons, that should be finished by summer. I hope that once we have the new facility, I will be able to use it to make passive income and pay back our debt at least, even if I won’t be able to work in it as much as I originally expected.
We are getting some short term help from local organizations also to be transparent.
Sample monthly expenses:
Mortgage: $1300
Tuition fees $400
Shadow for Eli $1000
Utilities $800
Property taxes- $6000 annually or we try to put away $500 a month
Insurance $150 a month
Food- b”h on ebt right now but around $1000 a month of which half is covered
Gas (including driving to parma 4 days a week for rehab) $60 a week or $240 a month
Miscellaneous household goods $100 a week or $4000 a month (tissues, toilet paper, cleaners, wipes, foils pans, disposables, etc )
Meds not covered $250 a month
Parking at hospitals, ubers when I don’t have rides , babysitting $ 200-300 a month
Internet, phones, house phone $120 a month
Miscellaneous budget: clothes, stuff for kids , etc $200 a month
Thank you to everyone for your continued support and I give you a bracha that you should always be on the giving side with good health, parnassa, shalom bayis, nachas , and everything good.