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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽 · 2024-03-01T20:08:18.790508Z

So, die Erstattung für die professionelle Zahnreinigung von der Zahnzusatz ist da. Zusammen mit der Erstattung von der Krankenkasse sind wieder ein paar Taler zum Investieren bereit. Montag wird entweder $GLAD oder $HTGC gekauft, beide sind heute passend etwas gefallen. Im April oder Mail gibt es mit einer zu erwartenden Erstattung für Strom dann eine zweite Tranche. Das Ganze ist so möglich, da die zunächst getätigte Ausgabe für die Prophylaxe bereits im Haushaltsplan enthalten ist und der Betrag auf dem Monat umgelegt auf dem Fixkostenkonto bereit gestellt wird. Mehrkontenmodell sei Dank.

𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽

@frugalfreisein

10Lun·

So, the reimbursement for professional teeth cleaning from the dental supplement has arrived. Together with the reimbursement from the health insurance company, I've got a few thousand euros ready to invest again. Monday will be either $GLAD or $HTGC (+0,32 %) will be bought, both have fallen slightly today.

There will be a second tranche in April or in the mail with an expected reimbursement for electricity.

The whole thing is possible because the initial expenditure for the prophylaxis is already included in the budget and the amount is allocated to the fixed cost account over the month. Thanks to the multi-account model.

x.comx.com

12 Comentarios

CryptoPfand@CryptoPfand

10Lun

Huh? You paid for a dental cleaning, then got it reimbursed by your supplementary insurance (for which you pay more premiums per year than the cost of the dental cleaning) and therefore have money to invest?

Make sure you don't invest your €100 all at once! 💯 😅

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Daniel@Dr27589

10Lun

@CryptoPfand Depending on your age, there are also insurance policies that cost less than they reimburse. And there are also gkvs that reimburse the costs of dental supplements.

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

10Lun

@CryptoPfand It's right there. I have budgeted the costs for prophylaxis in the calculation of my fixed costs. This money goes into an extra account and we pay the bill. 2 weeks later the reimbursement arrives. I don't take this reimbursement into account in my budget planning. For me, this is "extra money" that can then be invested.
The same applies to refunds from electricity, ancillary costs... these are not 100% certain, so I don't budget for them in my advance planning. I only budget my net salary.

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CryptoPfand@CryptoPfand

10Lun

@Dr27589 of course, when you're 12 or 13 and have no teeth 😜

But it's true that there are also SHI providers that reimburse this.

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CryptoPfand@CryptoPfand

10Lun

@frugalfreisein If it makes sense for you, so be it - I just assumed that your insurance costs more than you get reimbursed, and then to book that as a "profit" sounded strange - but the way you "budget" it is of course understandable

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Daniel@Dr27589

10Lun

@CryptoPfand No, even up to 40, and logically only if you still have teeth. You can't first cause a total loss and then insure yourself - that's not how the game works, of course.

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CryptoPfand@CryptoPfand

10Lun

@Dr27589 Too bad I've just turned 40. Which insurance would that be specifically?

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Daniel@Dr27589

10Lun

@CryptoPfand Gothaer MediZ Smile 75, for example, with a 4% discount for annual payments

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

10Lun

@Dr27589 I am currently with Huk24 with the 90% tariff

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CryptoPfand@CryptoPfand

10Lun

@Dr27589 ok, so 100€ saved if you only use the teeth cleaning and never have a gap between your teeth! Sounds logical. 😜

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Daniel@Dr27589

10Lun

@frugalfreisein Not a bad tariff, but not exactly great in the area of dental preservation due to the limit on sums.

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T..@AIex

10Lun

Hm, buy a proper ultrasonic toothbrush, e.g. Emmi-Dent, and save yourself the tooth cleaning. Provided, of course, that you use it correctly. The whole dental practice now swears by it...

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