I went for a couple of years without having debt at all, until all hell broke loose last year and had some unforseen medical events. I had to go on some payment plans and today I am happy to report that my left wrist ulna shortening osteotomy from October 2018 is totally PAID OFF! That leaves me with a $680 bill left to pay on the other surgery I had last January (the initial bill for my portion of the costs was about $1400). I hit my total out-of-pocket expenses by April 2019 and ended up having three more surgeries this past year but were all paid for at 100%. So all the followup x-rays, doctor appointments and OT therapy will be paid for until Dec. 31, 2019.

I will probably pay that bill off in the next two or three months (I'll pay extra on the $131.00 each month to get it done faster).

I won't be staying out of debt for too long though; the bad news is that I may have to consider replacing Black Betty, my 2003 Honda Accord. The power steering went out last week (I had replaced the power steering pump last April, so maybe it is still under some sort of warranty if that is what it is). But there are other issues - it needs a complete brake job (probably rotors too), there is a new slight oil leak, and the rebuilt transmission I had done back in Michigan has been a bit wonky (only at really low speeds though, around 3 to 5 mph it tends to stick and not shift until you tap the brakes or throw it into a higher gear). I will find out on Friday when my mechanic takes a look-see and have to decide whether to keep throwing money into this vehicle. It has almost 160,000 on it.

And the house needs a new roof, could really stand to have many windows replaced, and the stucco needs finishing. So on and on and on it goes....life was a bit simpler when I lived in the tiny house for three years with virtually no bills to pay!