Monday, November 11, 2013

Bumps in the Road to Operation Pay-off: C-diff, a Transmission and a Baby

A year ago (plus a few months) I wrote about our transition from Operation Vacate to Operation Pay-off. At the time I thought we'd be just about ready to start Pay-off, and we were, but there's been a few bumps in the road that stopped us in our tracks.

Bump #1

In approximately Aug-Sep of last year a walk-in clinic over prescribed antibiotics including the mega, full-spectrum antibiotic Clindamycin. One thing led to another, and I got to enjoy my first hospital stay of four days with a C-diff intestinal infection. C-diff is overgrowth of bad bacteria in your gut & intestines. It's the same principle as what happens when you get a yeast infection from antibiotics--the antibiotic kills off the good bacteria and then the bad bacteria grows, and in the case of C-diff, it's a nasty, mean, antibiotic-resistant bacteria that grows. The most common time people acquire C-diff is after an unrelated procedure in a hospital. They go in for surgery, their immune system is weak, etc, and then a hospital worker accidentally transfers C-diff spores from one patient to another. Commonly used alcohol based cleaners do not kill C-diff.

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 At that time, I knew nothing to very little about probiotics and it seems neither did those in the medical field who tried to help me.

After I was released from hospital prison, a friend recommended the strongest probiotic Earth Fare offers, which was a 7-day powder. I took it every other day. I also researched C-diff and gut health to discover some of the easier foods for me to digest, such as potatoes, bananas and other basic foods. I already don't eat meat, which is harder to digest and also avoided dairy. It took a couple months to regain my prior energy levels, and it was about six months until I felt normal again. I feel I'm one of the lucky ones whose only lasting problem at this point is a mild dairy intolerance, and hopefully it will be a long time before I need traditional antibiotics. The GI doctor told me I should never again take Clindamycin or Amoxicillan or other related antibiotics.

This situation could have been avoided!

When taking antibiotics, only take them if absolutely necessary, of course, but when you do take them, don't just "eat yogurt" like a friend or your doctor might recommend (if there's any recommendation at all). Take a high quality, highly potent probiotic as well. Take your probiotic at a different time of day than your antibiotic or the antibiotic will kill the probiotic before it can work. I now take herbal antibiotics, remedies and preventative medicine, use a neti pot for sinus trouble and so on.

As you can imagine, that was a hefty bill.

Bump #2

My van's transmission died. No explanation needed here, just lots of cash.

Here she is, my new transmission. Look at all that pretty metal-- Bling bling!

Bump #3

Finally, the good bump! Because of my C-diff history (and new knowledge), I needed several things to be done differently for this pregnancy. For example, I needed to be under the care of someone with herbal experience AND OR I also needed to be under the care of someone who fully understands C-diff (there's a chance I could get it again) and the huge risk it could cause for a newborn and his or her mother during pregnancy and labor/delivery. My two choices were to go to a highly knowledgeable OB or have a homebirth. Either choice is more expensive than how I had my first child, especially the hospital route. But  only one choice, homebirth, fits my family and our values and beliefs about birth. But, the cost... double.

We've now got that ready and have ordered our water birth tub! We also love our midwife and though we haven't yet had our baby, we are already so happy that we would go this route again if there were to be a next time.

The best of the the three bumps.

Three large bumps conquered!

I'm both relieved and happy to report that we have added ZERO debt thanks to having sold our more expensive home and lowered our costs. Below is a recap.

We wanted to accomplish several things with our move:

  1. Have a low enough payment that either of us could afford to live here alone (if we were to become separated by death or divorce)
  2. Have a low enough payment that we could handle it even in case of a job loss.
  3. Have a 15 year mortgage
  4. Have a higher cash flow that we could use toward debt
  5. Have a home that would easily be changed into a rental home (or be resold if desired)

#2 a low payment and #4 higher cash flow were the key factors in maintaining no new debt despite what would have been unmanageable bills otherwise.

Operation Pay-off (what remained after our move) included one dwindling school loan that is now done! And the larger part will officially start in just a couple weeks. We're still trucking!

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