So the plan was all set, save Php50,000 (a.k.a. Dave Ramsey's Baby Step No. 1) while paying off my credit card and personal loans. After that, increase mortgage payments and keep adding to my emergency funds. It was a fool-proof plan until life happened.
The thing with getting a cardiac angiogram is that you also have to be ready for an angioplasty, in case a blockage is found so that it can be remedied ASAP. An angiogram only costs between Php40,000.00 to Php50,000.00, but you have to have about Php500,000.00 on hand in the event that an angioplasty is needed.
Needless to say, I was stunned with this newest health problem. Not only had my husband been diagnosed with heart issues, but those issues would also cost us big time.
The good news is that my aunt generously offered to shoulder part of the costs, hence, with my savings and a salary loan, we would have no trouble reaching Php500,000.00.
The best news though is that my husband's sister offered to pay for the entire procedure, so instead of taking out a loan and cashing out some of my savings and investments, we'll just be paying her instead. We haven't talked about the repayment details yet, but knowing her, it's probably between no-repayment necessary and pay when able with no interest.
I'm always humbled over how blessed I am. Just when the load seems too much to bear, someone reaches out even if I don't ask for help.
I am the luckiest person alive.