multipurposegoddess (![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
multipurposegoddess) wrote2010-09-26 04:13 pm
multipurposegoddess) wrote2010-09-26 04:13 pm
Entry tags:
I Promise I Will Post Something Cheerful Someday
But today is not that day. And, again, not because there aren't cheerful happenings that I could report, there really are, honest, but you'll have to take my word for it right now.
Got the settlement from the insurance company yesterday. And I need the money but it's still another sad little milestone. To use one of DH's catch phrases: it's official, now (it's funny because you have to say it over and over again as more final-seeming official things keep cropping up (or perhaps not funny to people who aren't us, it is an in-joke after all), coined to cover the lengthy getting married process but applicable to a variety of situations).
Anyway. It turns out, the amount I have had in my head all this time was wrong. And once I saw what they were paying me, I kind of remember how the whole open enrollment thing went. DH and I figured out what would be an appropriate amount to insure him for within the parameters of his company-provided life insurance, which is the amount that I was expecting. However, I now recall a conversation after everything was processed wherein he discovered that he'd misunderstood the instructions and actually enrolled for a lesser amount. He was all embarrassed about it because it had kind of been a thing that he would handle all that on his own and he never liked making mistakes; I told him we'd fix it next year and not to die meanwhile. He really should have listened to me on that one.
The practical effect is that I can't pay off the mortgage. I can cover the remainder of my debts and my unavoidable expenses for several months to a couple of years, depending on how accurate my estimated budget remains (probably not very, but I'm pretty frugal by default) and whether I decide to pay down the house in a significant way. I don't think I can get a job that will allow me to pay the mortgage as it stands, that would require a much higher salary than I have ever earned before. Which is not impossible, but it doesn't seem likely. In short, that decision (keeping the house or not) got hard again, when I thought I had it sorted out. But I don't have to start interviewing tomorrow, for which I am immensely grateful. My resume hasn't been updated in 5 years, I have no professional wardrobe, and while the random sobbing is not as frequent as it used to be, it's still random. I sure as hell wouldn't hire me to do anything.
The claim is paid via one of those somewhat fishy Alliance Accounts, by the way . I'm really glad I heard the news stories about them before getting the package, because the documentation is really confusing. But the total is less than the FDIC limit, so I can just put the whole thing into a savings account while I figure out what to do.
Got the settlement from the insurance company yesterday. And I need the money but it's still another sad little milestone. To use one of DH's catch phrases: it's official, now (it's funny because you have to say it over and over again as more final-seeming official things keep cropping up (or perhaps not funny to people who aren't us, it is an in-joke after all), coined to cover the lengthy getting married process but applicable to a variety of situations).
Anyway. It turns out, the amount I have had in my head all this time was wrong. And once I saw what they were paying me, I kind of remember how the whole open enrollment thing went. DH and I figured out what would be an appropriate amount to insure him for within the parameters of his company-provided life insurance, which is the amount that I was expecting. However, I now recall a conversation after everything was processed wherein he discovered that he'd misunderstood the instructions and actually enrolled for a lesser amount. He was all embarrassed about it because it had kind of been a thing that he would handle all that on his own and he never liked making mistakes; I told him we'd fix it next year and not to die meanwhile. He really should have listened to me on that one.
The practical effect is that I can't pay off the mortgage. I can cover the remainder of my debts and my unavoidable expenses for several months to a couple of years, depending on how accurate my estimated budget remains (probably not very, but I'm pretty frugal by default) and whether I decide to pay down the house in a significant way. I don't think I can get a job that will allow me to pay the mortgage as it stands, that would require a much higher salary than I have ever earned before. Which is not impossible, but it doesn't seem likely. In short, that decision (keeping the house or not) got hard again, when I thought I had it sorted out. But I don't have to start interviewing tomorrow, for which I am immensely grateful. My resume hasn't been updated in 5 years, I have no professional wardrobe, and while the random sobbing is not as frequent as it used to be, it's still random. I sure as hell wouldn't hire me to do anything.
The claim is paid via one of those somewhat fishy Alliance Accounts, by the way . I'm really glad I heard the news stories about them before getting the package, because the documentation is really confusing. But the total is less than the FDIC limit, so I can just put the whole thing into a savings account while I figure out what to do.