Budget & Finance, Family & Friends

On Broken Bones and Broken Finances

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Finance-Small-CircleOh my friends. We have come so far. Financially we have struggled. Lately I’ve been feeling a little weird because all this normalcy and regular bill and debt payment made me feel shy and like maybe it was only interesting to write about things being bad. I was assured by many kind and loving folks that it’s okay to celebrate stability when you finally have it.

Well, I guess when I had stability would be the appropriate tense. I did enjoy those two months in the sun, though, I really did.

On Monday, Mr. Brickie fell off a ladder and broke his wrist. He was being super safe, the ladder was not rickety, and he was almost at the bottom after taking care of some bolt thing. The ladder kicked out from under him and he fell on his right side. He texted me before driving home, “Hurt my wrist at work, should be okay. On my way home.” I figured he sprained or tweaked it a little and made sure we had enough ice in the freezer to make an ice pack of some kind. No problem.

When he got home his arm was hanging by his side, he couldn’t move it, and it was very swollen. I told him he needed to go to the ER and he said, “Yes, I would at least like to get it checked out.” Neither of us thought it was broken. Him because he didn’t think it hurt enough to be broken and I was just wishing the break away with all my might because you can’t lay brick with a broken wrist and we just got to this place where we’re stable and boring and were even doing better than we have in years and it couldn’t be broken it would be too awful.

The x-ray confirmed it, however, and he got his temporary splint cast until we can get to the orthopedic surgeon for a full diagnosis and permanent cast.

First off, I’m thankful for worker’s compensation and knowing we don’t have to pay for his treatment. I’m less thankful for all the hoops I feel we’ve had to jump through the last couple days to get a claim filed. The company he is with is new and I think this might be their first worker’s comp claim and, as such, they aren’t a whole lot more sure of the procedure than I am after a Google information binge. We should have what we need this morning, I hope. Then we can get him a cast and on the road to mending for good.

As for the finances, I have a little over $200 in my Digit account I can withdraw if I have to. I have the $555 in the emergency fund (yes, I do wish I had prioritized the emergency fund over debt payoff right about now) and I have no idea what his worker’s comp payment will be or when it starts. I assume we will find that out when the adjuster calls today. From what I’ve read it’s 2/3 of your after tax income based on the last 52 weeks of work. With rain days and winter off and a couple pay raises there is no reliable way to calculate that number. I mean, I do have all the paystubs but that seems like some serious overkill. I took the number from our tax return ($33k) and did the calculation with that. It’s not after tax but it’s also not accounting for a raise so maybe it’s close? I don’t know.

I’m working with the assumption that it will be eight weeks before he’s back to work. I will update my assumption when more facts come in. Eight weeks seems like a safe, middle-of-the-road starter assumption so I can at least start making a plan. Having your bills written down or in a spreadsheet really helps when you need to know the bare-bones of what you have to have to survive. (Bare bones? Really? Now is so not the time for awful puns…and yet…here we are.)

Tomorrow he will receive a full paycheck and the rest of this month’s bills will be paid. The last check of the month (next Thursday) will only have one day of work on it, but the whole thing was slated to go into savings accounts (rent savings and insurance savings) so I can make those up with the emergency fund or by not paying into them until he’s back to work.

I hate to put off rent savings, but I know myself well enough to know we can prioritize it once he’s back at work. We have until November 15th to come up with that money so it’s not an immediate priority. Right now there’s $485 in that savings account so I’ll try and avoid using it but at the same time I’m not going to feel bad if I have to use it to keep the lights on.

I thank everything good and holy that this happened:

  1. In spring.
  2. On a job that’s going to be years long so he has something to go back to when he heals.
  3. On a crew that considers him a real part of the team.
  4. On a crew where several guys he works with have called to ask how he is and making him feel better with their own broken bone stories.
  5. On a crew where everyone tells him they look forward to having him back.
  6. With a company that has changed when and how ladders are used so this doesn’t happen to someone else. It’s a small thing but very telling because it shows they view this as something that can happen to anyone and aren’t “blaming” him for the accident.

I’m trying to find my comfort in knowing this is temporary and I’m trying very hard to be thankful it’s only his wrist. It could have been so much worse but it wasn’t because he prioritizes safety and always faces his ladder so if he does fall he doesn’t fall off the edge of a building…because this happened on the second story and if his ladder was positioned the other direction he would have fallen two stories instead of three feet. He could be dead.

So….yeah…I’m kind of a messy jumble of emotions and emergency planning.

2 thoughts on “On Broken Bones and Broken Finances

  1. 🙁 Ugh, I’m so sorry this happened! You’re right, though, it could have been so much worse. I’m sending lots of good vibes for healing and a quick return to work. You can do this — it’s just a small detour as far as finances go. *hugs*

    1. Thank you! The vibes and good wishes are so, so appreciated. At this point I would sacrifice a chicken over an open flame if I could curry some divine favor for fast healing. (Chicken, flame, curry? Can you tell I haven’t had breakfast yet? LOL)

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