This is a picture of Michael's broken toe. If you click and zoom you can see that it's a pretty bad break.
We live in a town house where you have to go up a stair case to go inside. We use the space under the stairs to house our garbage cans. Ideally the trash cans should have lids on them at all times. However, Michael prefers to keep the lids off so that he can just stand over the railing of our staircase and toss the trash into the open cans under the stairs.
Last Sunday we had a bout of freezing rain. Since Michael just likes to step out, reach over the railing, and drop the trash into the cans under the stairs he stepped outside wearing only socks. As soon as he stepped out his right foot slipped on the ice and BAM! He rammed it into the railing.
Michael is out of commission from work for anywhere from one and a half to three weeks... and there's a chance he may need surgery. It shouldn't be a big deal except that he hasn't been at his current job for very long so he is not fully benefit eligible. No PTO (Paid Time Off), no sick days, no short term disability. Sigh. At least his medical insurance is with me so he was covered. There will, of course, be co-pays but it shouldn't be budget breaking.
Thankfully Michael and I resolved to be super awesome about our finances this year so, despite the unplanned short coming in our cash flow, all the bills are paid and we have money to put towards savings this month. Depending on how long Michael is out, how often he has to go to the doctors, and if surgery is needed, we probably won't be able to save anything for February.
But, on the positive, we won't have to go into debt and we shouldn't have to dip into our savings. Even if we did, thank goodness we have savings to dip into though, right? Still, it bums me out that every time I think we're going to take a financial step forward we just end up walking in place. Sigh.