Comments on: How Do You View Unexpected Necessary Expenses? http://queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/ We're here, We're queer, and We're not going Shopping without Coupons Wed, 10 Mar 2010 04:23:21 -0700 http://wordpress.org/?v=2.9.1 hourly 1 By: Nina http://queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/comment-page-1/#comment-9198 Nina Wed, 20 Dec 2006 05:55:45 +0000 http://www.queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/#comment-9198 In this week's Festival of Frugality: http://www.momadvice.com/blog/2006/12/festival-of-frugality-53.htm<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-9198">0</span> <small>(to vote for this comment, please visit the site)</small></p> In this week’s Festival of Frugality:
http://www.momadvice.com/blog/2006/12/festival-of-frugality-53.htm

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]]> By: DivaJean http://queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/comment-page-1/#comment-8702 DivaJean Thu, 14 Dec 2006 17:56:22 +0000 http://www.queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/#comment-8702 I have a little wiggle room built into our monthly budget for these types of financial glitches- or I end up not saving as much as I plan. I try to not let the expenses for these occasional life inconveniences go for more than one month (two paychecks). We'll plain old stop buying other stuff as much as we possibly can- doing things like using up whatever's stocked up in our pantry to cut down on further spending, holding off on any other purchases we can. This month has been a doozy for us so far. Christmas purchasing was long done- but we have had some surprise vet bills (our cat's okay now) and dental work this month is going full steam ahead before we have to switch to coverage that is less than we have now- so more co-pays on dental work for now (but this is really saving us $$ in the long haul, since we would really be losing out once the lousy dental policy kicks in on 010107). (The upside is no one can eat much because our mouths hurt so bad- only kidding!) THANKfully, some Xmas money has begun to roll in from extended family and this will help us break even for the month- but what a shame to spend Xmas money on oral surgery for DivaJayne (my daughter) and hubby Susan.<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-8702">0</span> <small>(to vote for this comment, please visit the site)</small></p> I have a little wiggle room built into our monthly budget for these types of financial glitches- or I end up not saving as much as I plan. I try to not let the expenses for these occasional life inconveniences go for more than one month (two paychecks). We’ll plain old stop buying other stuff as much as we possibly can- doing things like using up whatever’s stocked up in our pantry to cut down on further spending, holding off on any other purchases we can.

This month has been a doozy for us so far. Christmas purchasing was long done- but we have had some surprise vet bills (our cat’s okay now) and dental work this month is going full steam ahead before we have to switch to coverage that is less than we have now- so more co-pays on dental work for now (but this is really saving us $$ in the long haul, since we would really be losing out once the lousy dental policy kicks in on 010107). (The upside is no one can eat much because our mouths hurt so bad- only kidding!)

THANKfully, some Xmas money has begun to roll in from extended family and this will help us break even for the month- but what a shame to spend Xmas money on oral surgery for DivaJayne (my daughter) and hubby Susan.

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]]> By: Debbie http://queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/comment-page-1/#comment-8700 Debbie Thu, 14 Dec 2006 17:51:31 +0000 http://www.queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/#comment-8700 Having savings for these kinds of expenses makes me feel richer than any other experience. The time I felt richest of all was when I was taking a four-hour drive, and one hour into it, my clutch went out. Back in my poor days, I would have had to cancel my trip, beg someone from home to come get me, beg someone from home to bring me back to my car days later when it was fixed, and of course pay for the repair. Because I had savings, I could just leave my car in the shop, rent a car, and continue with my trip, without having to ask anyone for a huge favor. It helps that I have my savings split into different categories (on paper) so that when I have to yank savings out of one category (car repairs, housing repairs, medical), it doesn't have to affect other categories (vacation, fun, retirement). If I don't have enough, I can give myself a loan from another category a lot more cheaply than I could get one from a credit card. On the other hand, emotionally it's always a big shock. It's like I always expect everything to run smoothly, and those rare times when things don't, it's always some kind of surprise. This is even though if you own anything, it should come as no surprise that sometime it will need cleaning or a repair or something. I could definitely learn to quit feeling so shocked every time and get so that I'm always making decisions as good as the ones I made when my car broke down on that trip. No matter how well prepared you are, good winging skills can also come in handy.<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-8700">0</span> <small>(to vote for this comment, please visit the site)</small></p> Having savings for these kinds of expenses makes me feel richer than any other experience.

The time I felt richest of all was when I was taking a four-hour drive, and one hour into it, my clutch went out. Back in my poor days, I would have had to cancel my trip, beg someone from home to come get me, beg someone from home to bring me back to my car days later when it was fixed, and of course pay for the repair.

Because I had savings, I could just leave my car in the shop, rent a car, and continue with my trip, without having to ask anyone for a huge favor.

It helps that I have my savings split into different categories (on paper) so that when I have to yank savings out of one category (car repairs, housing repairs, medical), it doesn’t have to affect other categories (vacation, fun, retirement). If I don’t have enough, I can give myself a loan from another category a lot more cheaply than I could get one from a credit card.

On the other hand, emotionally it’s always a big shock. It’s like I always expect everything to run smoothly, and those rare times when things don’t, it’s always some kind of surprise. This is even though if you own anything, it should come as no surprise that sometime it will need cleaning or a repair or something.

I could definitely learn to quit feeling so shocked every time and get so that I’m always making decisions as good as the ones I made when my car broke down on that trip. No matter how well prepared you are, good winging skills can also come in handy.

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]]> By: Keith http://queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/comment-page-1/#comment-8668 Keith Thu, 14 Dec 2006 15:42:39 +0000 http://www.queercents.com/2006/12/13/how-do-you-view-unexpected-necessary-expenses/#comment-8668 Great article. I tend to not save for these "unexpected" expenses that always show up at the worst time. I then let it put me in a pinch for the month. I have begun to try and build a fund for this but more importantly I think I need to change my perspective of these things. It is probably doing more damage than the actual payout.<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-8668">0</span> <small>(to vote for this comment, please visit the site)</small></p> Great article. I tend to not save for these “unexpected” expenses that always show up at the worst time. I then let it put me in a pinch for the month. I have begun to try and build a fund for this but more importantly I think I need to change my perspective of these things. It is probably doing more damage than the actual payout.

Current score: 0 (to vote for this comment, please visit the site)

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