I feel like I've been having one thing after another hit me financially. I can't say that I've just been unlucky, but it still sucks. First there was the $600 the old apartment place charged. Then I got a speeding ticket - that was another $263. My old car got impounded, so instead of being able to sell it to the scrapyard as I had planned, I had to let the towing place have it to pay off the storage fees, and also pay them $125.

I also found out this week that I've been paying $42/session for therapy. Apparently the therapist switched the billing code to the 60 minute billing code even though she does 50 minute sessions. I mean, technically the billing code can be used starting at 53 minutes, but it just sucks for me. I get why she has done this. Insurance now covers 100% of what she bills under the "allowable amount" whereas before they only said 80% was allowable. So she gets paid about $30 more. The reason this affects me is that I have to pay a $25 copay plus 20% coinsurance. It's only $6 more per session, which I know doesn't sound like a lot, but it means I will be spending 4.3 - 5.5% more of my monthly income - meaning I will now be spending 30.5 - 38% of my monthly income for therapy, depending on how many weeks there are in a month.

And Christmas is coming up... so gifts will need to be purchased.