survived tax time

i had a few hopes going into taxes that were all realized. keep in mind, these hopes may seem a bit odd. it's the part of my split personality where i have to keep my income down, not up.

i wanted to come out of taxes not owing anything--pretty easy since i'm not making much money. but very important so that i can keep my cheap health ins ($300/mos vs $650/mos) and get my anti-depressants from the manufacturer. i have to make less than $2,200/mos. (don't even think about that folks who make this little also have to pay $300/mos--yes, that health ins bill was necessary)

of course, i had to pay to get my taxes done. i have some other bills to pay, savings is almost depleted and i don't have any work on the horizon. whew! that was hard to write, but it's true. i've never gone this long without a good, long, high-paying gig to pay down debt. that's how i paid off $100k of my mortgage.

only to borrow it back. UGH.

i don't like having things this out of control.

so, back to looking for work, i guess.

money = scary

i have little if any money coming in right now and i'm afraid to look at my accounts. it sounds weird, but it's true.

success! finally

it only took 4 months, $830 out of pocket waiting out delays, and almost my sanity.

lilly's program finally actually sent my doctor my drugs!!

(of course, the biggest problem with the program is that everything goes through the doctor, who has many patients to deal with, instead of me, the patient, who has a vested interest. if all communication went through me directly instead of being sent back to the doctor, i could have saved buying meds each month of delay. the office couldn't understand what insurance would send drugs to their office.)

this is $1,200 worth of anti-depressants--4 months worth. i'm both happy and worried about what happens next.

F*&^%$#ING banks and their fees

watch out for this one. my citicard due date is usually the 5th of the month. last month, i logged in very late on the 2nd and noticed that my bill was due that day. i paid the bill & sent a note to customer service asking why my due date had changed. they sent back some lame excuse about the number of days in the month. months either have 30 or 31 days. i guess i set up my account in feb. they said i could change my bill date. so i tried. of course, it had to be more than 5 days different than what it was. i just wanted it to be on the 5th, like it's supposed. but i had to settle for the 10th. whatever.

today, i happened to be looking at my account and noticed they charged me a $39 late fee on the 17th. UGH. i got them to take the fee off, but it took 5 minutes of my time. this seems very fishy: changing my due date, then waiting to charge the late fee--so maybe i wouldn't notice.

bastards

homicide is justified

or at least it should be when the lilly free meds program screws me over for the third time! i have purchased 3 months worth of cymbalta while waiting for my free meds. they have lost my application, rejected a faxed application & mailed it back to the doctor. i only find out about these things when i call. and they tell you not to call for the few weeks they need to process.

two weeks ago, when i purchased yet another supply, i found out the price went up from $265 to $300.

add insult to injury, my "poor people" health insurance just went from $269 to $306

that's about a 12% increase

i have to make less than $2,257 a month, same for being eligible for the lilly program.
hmm $300 + $306 just for health ins & one rx. that's 27% of the income cap. how are people supposed to live?

i'm filling out the paperwork for the 4th time. trying not to get too angry. now i'm just bound and determined to get my damn free meds before i have to buy more. that money could and should be used to pay off credit cards. (i've spent $265 + 265 + 300 = $830 dealing with their stupid delays--incompetence or a strategy?)

lilly cares? NOT

i've been trying for months now to get my depression meds directly from Eli Lilly since i actually have tax forms that prove i haven't made any money.

so far, my doctor has mailed the forms, i waited a month as they tell you it takes, and found out they never received it.

then, i had my doctor fax the forms. apparently last week they were sent back to the doctor because i'm asking for more than the recommended doses. HELLO it's been two months and this is the first i've heard of that. and of course, no one contacted me.

it's $265 every month for these meds. i can't pay another month. that's why i tried this alternative.

damn it. why is everything so hard?

and, now whenever i do get the damn drugs, i can't have that extra pill when i need it. mind you, when i had Rx coverage and paid almost as much as i do now without coverage, lilly had no problem taking my $$ for that extra pill.

and just for the record: i'm a depressive. do they want me to just give up? that's what we do. that's why i need the damn drugs.

pissed annoyed and sad

banks can't make money off credit cards

so they're upping rates and fees and all kinds of dastardly things. big surprise.

ya know, if banks' websites didn't suck so much, they might be able to get consumers honestly. i just went through changing the due date on my citi card. my home page might be light and airy, but there's no direct link to my inbox, which i have to use to communicate with them. and pretty much everything i have to do is below the fold. huh? (i'm on a macbook pro with 1440 x 900 res, so that is not the problem)

grrrr this should be so much easier, and cheaper.