Tag: health

Letting go of things that no longer serve you

July 5, 2026

A significant price increase notice from Adobe started me down the “subscriptions” rabbit hole. As a teacher, I received a substantial educator discount from Adobe, which continued into retirement. I’ve consistently used some of the applications, but not InDesign and Illustrator – the two primary reasons I continued to pay the fee each month. My rate would double at the September renewal. I canceled. For how I use the applications, the juice was simply no longer worth the squeeze. Other, more affordable, options are available.

Next, I addressed the other item bothering me – our dental insurance (not!). After 15 months of dental and vision insurance through my alumni association, I canceled the dental coverage, but kept the vision plan. Why? I view optional individual insurance like this as a prepaid plan for services. My expectation is that premiums paid in and benefits paid out should be about the same at the end of the year. The math didn’t math. Our dental plan paid out in benefits about 25% of the premium amount received, whereas the vision plan actually paid for itself.

I didn’t cancel everything. I actually switched my Cricut Design Space subscription to an annual one to take advantage of a 30% discount. It made “cents” as I frequently use the service.

Lastly, I set my Craft Industry Alliance membership to non-renew at the end of the current term. While not expensive, I don’t really do anything other than read the email newsletters (which are free). I can always rejoin, if FOMO strikes.

The unexpected surprise? I let my Spotify premium membership (which I’d had for YEARS) return to the free plan when my annual subscription ended in April. Why? They allowed ads in the podcasts, which weren’t removable, even with a paid plan. I primarily use Spotify to listen to podcasts. Why would I pay to listen to ads? Know what? All is well. Absolutely zero FOMO.

Dental & Vision Insurance Benefits in Retirement

August 23, 2025

Are they worth it? It depends on your situation.

My husband and I early retired three years ago. As a teacher, our health insurance would continue with my pension benefit – but my district does not offer retiree dental/vision like some other districts in the area. Instead, we were able to continue our dental and vision coverage under under COBRA provisions for 18 months at employee rates. Had I known the rates would continue at what I paid as an active employee, I would have bumped up to a higher level coverage on the dental during open enrollment.

Once COBRA benefits ended, I researched other options available to us through various affinity groups. We chose to go with plans offered through my FSU Alumni connection for a 12 month trial period. After only six months, I can report we will definitely continue our vision plan and cancel the dental once my current plan of treatment is concluded. Why? For us, the dental plan has such a limited network of local dentists, plus a low reimbursement rate that isn’t anywhere near average rates for services in our area. We knew our current dentist wasn’t in network, but the reimbursement rates through my previous employer’s coverage were reasonable given the monthly premiums paid. Had I been able to access actual reimbursement rates before enrolling in the individual dental policy, I would have declined. For us, self-pay is definitely cheaper compared to having an individual dental insurance policy.

Photo by Cedric Fauntleroy on Pexels.com

Learn new things

May 25, 2025
My second attempt at creating an SVG file. Thinned the cut line to .25 and 3rd time was perfect (no excess left on the mat)

This week I did two things on my retirement “to-do” list.

Learn how to create an SVG file from a paper pattern/template. My guild makes little teddies for the local children’s hospital. I knew this was something that I could do faster on my Cricut if I had an SVG file. No one in the guild had created one. Perfect project while waiting on the HVAC company to service and repair our a/c units on Tuesday. It took three tries and a few choice words, but I now have a SVG file that works and takes less than 2 minutes to cut both parts of the teddy bear.

Take a longarm certification class from a local quilt shop. Said shop is the only one in the area that allows folks to rent time on their longarm machines. A four-hour “certification” class is required prior to renting time. I spent 4 hours standing on a concrete floor while the instructor lectured about proper quilt preparation and introduced us to the different machines. Three of the students already had longarm machines at home, so the instructor geared most of the class towards them. I got about 20 minutes of hands-on time total across all 3 machines. I was a little disappointed, but with the way the rental process works, the instructor (or another employee) will actually load the quilt and set everything up for me. All I’ll do is hand guided E2E quilting following a pantograph. We are not allowed to use the Pro Stitcher (boo-hiss!) It’s very different guiding a 40-60 pound longarm machine head versus moving the quilt to FMQ on my domestic machine.

E2E meander following a pantograph using a HandiQuilter Amara 20 longarm machine.

I did learn 3 things: (1) A stitch regulator is a game changer for me, (2) I do not want my own longarm and (3) I’ll still be quilting by checkbook for specialty computerized quilting designs and really large quilts.

After yesterday, my personal preference is still for a sit-down machine where I maneuver the quilt. The photo above shows improved stitching after only 20 minutes, so I’m not going to rule out getting used to a long-arm. The benefits of using a longarm include a much faster turnaround time and no need to baste the quilt.

I’ll buy a block of 10 hours machine rental time and what happens. If nothing else, I should be able to finish 5-7 lap size quilts in that amount of time. At the going rate of 2.5 cents per square inch, it would cost me $75-$100 per quilt to send each one out. That’s $375-$750 versus $180 for a block of 10 hours.

And I have a stack of quilt tops needing to get finished.