You know how that saying goes....

They say that when it rains, it pours...and right now that seems to be the theme of my life. As everyone knows, I graduated in May with my bachelor's degree and there's some trace of hope when you finally walk on stage and get your degree, shaking the Dean of the College's hand. You think that things are only going to get better from here. You're going to get an amazing job, pay off all of your debt, and you're moving up. Well, It's February and I graduated almost 9 months ago and it seems that absolutely nothing has changed.... I'm in the same job, making the same amount of money. The only difference is that I have student loans and new debts that I have to pay for medical expenses, now that I graduated and can no longer be on my parents insurance. I was feeling pretty good about finally working out my budget so that I can get by week to week without pulling money from my savings account. And then, last night happened. I walk to to mailbox and have a letter from my dental insurance, which is typical after I have had something done at the dentist and open up the statement of what they are paying. After reading the letter....my heart literally stopped. I couldn't believe how little they would pay for dental work.... and my portion is astronomical for someone who is barely making it by, week to week. How can I possibly owe $1,100 out of an $1,800 bill?

So I must say that insurance companies suck. You pay semi-monthly premiums so you won't have unexpected medical expenses come up and drain your savings account. Then, when those unexpected medical expenses come up, they tell you they're not covering it because you have a deductible you must pay..... and until you meet that deductible, you are S.O.L. and your savings account is drained, or you have to borrow the money. It doesn't help when you charged up your credit card debt during college because you didn't balance your budget and overspent..... So now I really don't know what to do and feel like I'm never going to get out of this whole I have dug myself in. And my hopes of obtaining the dream job that is going to change my world are diminished to almost nothing...