Spencer got braces on Thursday. Even with insurance covering most of the cost, we were resigned to the fact that 1) this was going to cost us some money, and 2) it was going to increase our debt temporarily.
Everything went smoothly, but the woman putting together the paperwork for the bill took a very long time getting it ready. She was apologetic when she finally presented it to Mike. He looked at it, and having gone over the numbers many times since they'd presented them to us at the last appointment, he noticed that something was wrong. He - politely - reminded her that we'd been told we'd be given a 10% discount for paying upfront in full.
More emphatic apologies as she rushed off to re-do it.
When she returned, she told him that ordinarily the discount was 10%, but that she was going to give him 12% because of her mistake. ! Which meant that our insurance card would cover the entire balance, and our out-of-pocket cost would be ZERO.
Barring any other unforeseen emergencies, our debt should still come down for the month of September.