05/09
2011

How much do you pay in Health insurance?

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Posted in Personal Finances, Work Finances | 3 Comments »

I am really pissed off right now! I’ve been trying to find the leak in my finances. I finally got down and examined my pay statements to see if they match my expense sheets. Not only were the numbers off by a few hundred dollars, but I found out I’ve been paying over $4,000 in medical coverage for the last 5 years! Yes, that’s $4,000 PER YEAR!! That’s insane! I am a single, 20 something guy with no medical problems. At the most, it would cost me $1,000 per year. That’s $15,000 down the drain! I can’t believe it! I just never looked at my insurance payments, how much I was paying, or even what it was covering. i just knew when I went to the doctor, it was covered.

I am so pissed.  You’d think my company, a small company, would notice it and perhaps bring it to my attention.  I have contacted them and will talk with them about this tomorrow, but I am so ticked right now I can’t even stand it.  Here I am scraping together every penny while buckets of money fly out the window.

::sigh::

I’m going to have to compose myself and not think about the past.  I want to see if I can get a refund or something.  If anyone has any advice on this, I would love to hear it.  I’m going to go play some DOA and vent my rage.

04/29
2011

My Paycheck

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Posted in Updates and Breakdowns, Work Finances | No Comments »

Just so you guys understand what I’m talking about when I say my paycheck is complicated, I’m going to break one down for ya.  I like to say that, maybe that’ll be my new callback “LET’S BREAK IT DOWN!”

Below you’ll see a redacted copy of a pay statement.  I get paid every other week and it’s completely variable.  I might’ve worked 10 days for those two weeks, I might’ve worked 2 or even none!  I also don’t get paid until I submit my expense sheet.  I try to get it in on time by the next Friday but sometimes I fly in late and just can’t get to it fast enough.  This means the paycheck typically covers the two weeks BEFORE last week, but might cover more or less.  So as I said, quite variable.  To complicate matters even more, the pay statement is really not intuitive and in a very strange order.  I had to actually print one out and track where all the money should be so that it made sense.  The statement below is the polished version of my scribbles.

my pay check

 

Oh sure, that didn’t seem too bad to you!  But the first time I looked at this thing, I didn’t know what went where.  My biggest peeve about it, is that the amount I was actually paid for labor ($2,301.60) is no where on the statement!  You also notice that I spend a lot more each week than I actually make.  I eventually get that money back but it takes a few weeks, this sends my monthly net worth all over the place.

Upside, I use a miles credit card so I go on vacations for free.  Yay!