Thursday, March 13, 2014

EF usage and rebuild plans

I've finished looking up and sorting all the expenses for the past... week, so here they are:

$358 Vet bill
$185 Cremation for Star
$351 Tires (4 new ones, installed, balanced)
$116 Car parts (serpentine belts, hub assembly, etc)

Grand total: $1010 and odd change, give or take $10.

Foreseeing this big mountain of charges, I moved all of my EF fund either Friday or Saturday. I did not know I'd have a vet bill... or a cremation one, but I knew about the tires, and I try to minimize money out of my Ally account, so I overestimated what I'd need from my EF, and figured I'd move it back on Sunday or Monday. Glad I sent more than needed, because I did end up using it all.

Why am I not bothered my EF is "gone"? Because I don't consider it gone. Though it is my EF, I could just transfer the $1000 from my $4000 car fund, and that would not be a disaster. I could also "skip" my next two snowball payments, which would set me back 1.5 months on my debt free efforts, but I don't have to make any debt payments until November on my student loans, so no rush.

I still have not decided how to rebuild my EF. Tomorrow is a payday, and it includes a $660 snowball payment. I could forego the snowball and pay myself back instead of funneling it to my student loans. I also get some amount back from my PT job (maybe $160?), which I could throw towards my EF. Don't know.

Is it normal that I don't want to say I miss our pet Star, because saying that would be a confirmation that she's gone? I have to work this weekend (Fri and Sat, yuck), so I'll be crashing at my parents' like usual. I think it'll be hard, though work will keep me busy and tired enough not to be too sad. Sigh.

5 comments:

  1. I'm sorry for your loss...i lost my cat, Poe, a while back and it may sound trivial to my friends, but i miss him alot too.

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    1. Yeah, I am guilty of feeling like it's not a big deal, but I can't truly say it doesn't feel like it... they're part of the family.

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  2. As long as you don't buy a car right now, I think you kind of have an emergency fund. Could you split snowball payments and put some of it in EF and still pay some towards your debt?

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  3. Yes, it's normal - the mind has a funny way of postponing thinking about difficult things like that until we're better equipped to deal with it. Time does help. What I would do regarding the EF is put the snowballs into it until fully funded then go back to snowballing again. Who knows when Murphy could strike again?!

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