- RT @MoneyMatters: Frugal teen buys house with 4-H winnings http://bit.ly/amVvkV #
- RT @MoneyNing: What You Need to Know About CSAs Before Joining: Getting the freshest produce available … http://bit.ly/dezbxu #
- RT @freefrombroke: Latest Money Hackers Carnival! http://bit.ly/davj5w #
- Geez. Kid just screamed like she'd been burned. She saw a woodtick. #
- "I can't sit on the couch. Ticks will come!" #
- RT @chrisguillebeau: U.S. Constitution: 4,543 words. Facebook's privacy policy: 5,830: http://nyti.ms/aphEW9 #
- RT @punchdebt: Why is it “okay” to be broke, but taboo to be rich? http://bit.ly/csJJaR #
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Emergency Fund Goodness, Reasons #491,207 and #491,208
When you run a big company that handles a lot of one-year renewable contracts with the government at every level from city to federal, you tend to expect that you’ll need to do some legwork on the contract renewals before they expire. Preferably, you’d do this a few weeks before they expire so the bureaucratic mess that is the federal government can process the renewal on their end.
That’s a reasonable expectation after 30 years in the industry.
If, instead, you wait until the expiration date on the contract to submit the renewal to the federal agency in question, you’ll have a department to shut down for a week due to lack of work.
Then, at the end of that week, you’ll be reminded that the wheels of the federal government grind. very. slow.
So slow, in fact, that the department in question gets to stay shut down for at least another 2 weeks.
If you haven’t been doing the math, that is a surprise, unpaid, three-week vacation for my wife.
Our emergency fund hasn’t grown to the size that can handle this, but it is enough to take the edge off for a couple of weeks. Yay!
We’d already decided that we would be skipping a vacation this year, to give us more time to deal with my mother-in-law’s estate and hoarding remnants, so the vacation fund will be tapped. That should cover the rest, assuming her job does come back.
That’s part 1.
Part 2 is the story of a cat whose butt exploded on our bed at 1AM last week.
Poo–the cat named for her coloration–has been acting funny. She’d suddenly sprint in a circle around the room, then poop on the floor. Irritating.
One night, her sprint crossed our bed, so my wife pinned her down, hoping to break the cycle.
The cat screamed, then sprayed blood from her butt all over the pillows, blankets, sheets, and my wife.
That’s called a midnight visit to the emergency vet.
See, cats have anal glands that they use to sign their work when they are marking their territory. Sometimes, these glands get infected. Sometimes, the infection gets so bad the glands kind of…explode.
On my bed.
While I’m sleeping.
Pop.
Fixing that involves sedation, an ice cream scoop, and a sewing kit. Or something. I wasn’t really pushing for details when my wife called from the vet’s office.
For those of you who’ve never had a cat’s butt explode in your bed at one in the morning (and if you have, I’m not sure I want to hear the story), the emergency vet isn’t cheap. This visit cost us $500. It probably would have been half of that if we would have waited until the regular vet opened, but…ewww.
We’ll be starting our emergency fund from about 0 in the next few weeks, but it beats going in to debt over a couple of setbacks.
How’s your emergency fund? Is it enough to carry you through any unexpected setback?
Expensive Cheese
Saturday morning, I woke up to a room-temperature refrigerator. I dislike drinking milk that’s 40 degrees warmer than I’m used to.
We called the repairman who showed up at 9PM and poked around in the fridge for a bit before announcing that he didn’t have the needed parts in his truck.
The parts came Monday. The next repairman got there Tuesday afternoon. For those of you keeping track at home, that’s nearly 4 days without a refrigerator.
That poor bacon.
Tuesday’s repairman didn’t think highly of Saturday’s. Apparently, the two parts Saturday ordered never go bad at the same time, so he was guessing.
He also didn’t notice the slice of individually wrapped American cheese that had slipped between a shelf and one of the cold-air vents, preventing any air flow at all.
Grr.
I wish I would have noticed that on Saturday. I now own the most expensive cheese in the world. It’s not Pule, which comes in at $616 per pound. This lowly slice of American cheese cost me nearly $200. At one ounce per slice, that’s $3200 per pound. Of course, I’m counting the lost food. My hamburger, eggs, bacon, milk, and mayonnaise are gone, along with every other perishable bit of food we had on hand.
I don’t know how much the repairs cost. Saturday’s visit, minus the parts, was billed at $95. I didn’t see the total for Tuesday’s visit.
We pay for a repair plan through our gas company. For around $15 per month, we get a list of appliances protected. We don’t have to worry about our washer, dryer, water softener, stove, refrigerator, or our sewer main. Assuming Tuesday’s visit was billed the same as Saturday’s, this one repair paid for the plan for an entire year. When you count our sewer main–which backs up with tree roots once a year and costs at least $200 to fix–the repair plan is definitely worth it for us.
When we get tenants in my mother-in-law’s house, we’ll have the repair plan set up there, too.
Do you use any kind of repair plan? How is it working out for you?
Twitter Weekly Updates for 2010-04-17
- RT @kristinbrianne: Get Talk and Txt Unlimited Cell Svc w/ Free Phone for $10 per month by joining DNA for Free. http://tinyurl.com/yyg5ohn #
- RT: @ChristianPF is giving away an iPod Touch! – RT to enter to win… http://su.pr/2LS3p5 #
- 74 inch armspan and forearms bigger than my biceps. No, I don't button my shirt cuffs. #
- RT @deliverawaydebt Money Hackers Network Carnival #111 – Don't Hassel the Hoff Edition http://bit.ly/9BIAvE #
- @bargainr What would it take to get you to include me in the personal-finance-bloggers list? #
- Working on a Penfed application to transform my worst interest rate into my best. #
- Gave the 1 year old pop rocks for the first time. Big smiles. #
- @Netflix @Wii disc works well and loads fast. Go, go gadget movie! #
Please vote for me
My post 4 Ways to Flog the Inner Impulse Shopper is up in Free Money Finance’s March Money Madness tournament. Please take a moment to vote for me(Flog).
Thank you. That is all.
Disclosure
I’m not terribly commercial, but I do enjoy making money.
As such, it is safe to assume that any company, entity, corporation, person, place, thing, or other that has a product, service, post, or link has in some way compensated me for said product, service, post or link. That compensation–direct or indirect–may be in the form of money, swag, free trips, gold bullion, smurf collectibles, super-models, or just warm-fuzzies. That list is NOT in order of preferred method of compensation.
To reiterate: If it’s commercial, and it’s here, I’m probably being paid for it.