Moving Forward

Dear readers,

Today, my husband and I looked at several joint bank account options since he had a day off from work. After doing some research and considering our options together, we have chosen one!

We haven’t done anything yet because my husband’s updated driver’s license hasn’t come in yet. At least we have a bank to apply to when it does arrive.

We also looked in to a spousal IRA as well as a savings account. If I remember correctly, these things are different. Haven’t applied to either of them yet because I believe we’d need my husband’s driver’s license for that too. But I’m excited to start!

It’s all so surreal to me even though we’ve been married for five months. Having a child, joint account, thinking about investment and budgeting…my brain can’t wrap itself around numbers very well, but my husband is fantastic with them. He can also read super fast and summarize things really well. It’s so nice to have him help in that aspect. I think I would be very lost and confused without him around.

I have a checkup with my OBGYN tomorrow afternoon. I hope I’ll find out my baby’s sex and prepare clothes, baby shower, etc. accordingly. After that, I’ll switch to my Medi-Cal insurance because that’s just the most cost effective option right now. If my current OBGYN accepted Medi-Cal, that would be awesome but they don’t. They suggested I find someone else before my insurance runs out–as I’m on my mom’s and can’t afford it myself when I’m kicked off after turning 26–so I can get the rest of my prenatal care taken care of.

Despite my negative experiences with Medi-Cal in the past, I don’t have a choice. It’s either spend a fortune my husband and I can’t afford, or this. The Christian Healthcare I was looking at is also just too much for us right now. I just hope and pray I’ll get good people to help me along this journey. Once I’m eligible to be covered under my husband’s work insurance, that’ll be great. I just wish it wasn’t some time after giving birth. However, the best thing I can do is offer my worries about this to God and trust that He’s got me; that I’ll be ok.

Hear, O Lord, my voice, with which I have cried to thee: have mercy on me and hear me. My heart hath said to thee: My face hath sought thee: thy face, O Lord, will I still seek. Turn not away thy face from me; decline not in thy wrath from thy servant. Be thou my helper, forsake me not; do not thou despise me, O God my Saviour.

Ps 27:7-9 (Douay Rheims)

Anxiety

I didn’t know insurance could be so difficult to navigate through. In the past few days I’ve been scrambling to find an insurance plan that won’t break the bank and cover my prenatal/postnatal care. A lot of websites require a phone number to get a call from someone to talk about the plan and get a free quote. As someone who suffers from anxiety, this is less than ideal. I’ve been avoiding calls for the past three days from “spammers”, according to my caller ID app.

I’m off my mom’s insurance this July when I turn 26, and if I can find an insurance plan that will let me keep my current OBGYN, that’d be wonderful. The plan my mom has is too expensive for me to get myself. But my fallback insurance is Medi-Cal, so I’m keeping that in mind as I research. I personally had bad experiences with doctors who accept Medi-Cal, so I hesitate to use it.

Aside from insurance, I’m also looking into the Women, Infants, and Children (WIC) program. Unfortunately, my experience thus far has been…disappointing. I went to the local office during opening hours after work and no one was there. Two other women were standing outside just as perplexed as I was. I called the number to see if anyone would answer, but it went to voicemail after a couple rings. I left a message to schedule my first appointment with them and hope to hear back soon.

Photo by cottonbro on Pexels.com

Not long ago, I also broke down because of stress due to work and my pregnancy. I confided to my husband that I didn’t want to work anymore, at least not as much as I was currently. I told him I wanted to focus on my pregnancy and be able to rest as much as I needed, but was worried about not contributing as much as I could to our family unit. I said I want to primarily be a housewife and be as available for my child as possible. My husband and I talked about homeschooling so I want to be available for that, too.

Because my husband is the amazing person that he is, he hugged me and let me cry on his shoulder, and said we’ll be alright. After getting myself together, he suggested to work something out with my employer. I talked to them the other day and they are willing to keep me on the team and work with me. I’m a reporter for the paper and they’ve been flexible with me in the past when I first realized I was pregnant and dealing with constant vomiting. Essentially, my primary duties now are reporting once every two weeks for a regular council meeting and being free to choose stories at my own leisure as opposed to being assigned to them. I’ll be making much less money, but it’s never about money for me.

Money is definitely important to survive in society, but I don’t want to focus on that everyday. Not that I’ll spend recklessly; I will remain within a certain budget, save, and spend as less as possible. Certain luxuries will have to be put aside, but as long as we have the basics, we’ll be ok. I can only say that because of my faith in God and my husband. There are lots of uncertainties, and I just give them to God and trust He’ll get us through. I don’t always remember and end up dwelling on all the things causing me anxiety and worry. I try to handle it myself and end up breaking down. But every time I talk to my husband about what’s bothering me and take it to prayer, I feel a bit more at peace. Focusing on the positive and tackling my worries becomes a little easier.

Regarding focusing on the positive, there are certain insurances I found during my search that are Christian related. I never knew such a thing existed! Some don’t call themselves “insurance” and instead call themselves “health share” or something similar. It’s an interesting concept and looks promising, so I’m saving information to talk about with my husband and make a decision together. There’s one insurance I have my eye on and am saving information mostly from them. I’m the only one getting insurance until I’m covered by his in a couple years–his workplace doesn’t allow me to be covered yet. And of course, if nothing else, I can fall back on Medi-Cal.

On my to-do list:

  • Finish outstanding tasks for work
  • Stay hydrated
  • Take a shower