You know Murphy, the guy that comes around and throws a giant wrench in your plans (also the author of [tag]Murphy’s Law[/tag]). Lately, he’s been hanging out around our place and he has definitely overstayed his visit. Last night my wife went to the refrigerator to start preparations for dinner and noticed that the food did not feel cold. A couple months ago our fridge stopped working and we had to wait four days for a Sears repairman to visit, living out of a cooler during that time. At some point during those four days the thing started working again, so naturally the repair man shows up and says everything is working fine. The complex diagnosis cost us $60 in a non-refundable “service fee.” We did get a few tips of things to try should it happen again, which we employed last night to no avail.
So, about 10:00 last night we embarked on a refrigerator cleanup throwing out most non-essentials and older leftovers. I ran to the store to grab a few bags of ice and we transferred condiments, drinks and a few packaged foods over to a cooler. Now we’ll wait it out for another visit from a repair man. We aren’t paying another $60 fee, either.
Just when I thought things couldn’t get any worse I awaken this morning to discover a [tag]credit card[/tag] payment posted a day early, and resulted in five non-sufficient funds charges to my [tag]checking account[/tag]. Yes, five – for a total of $175! I almost fell out of the chair. I plan to visit my bank during lunch, hat in hand, and beg for mercy. I feel I owe at least one for my calendar error, but FIVE?
Both of these incidents remind me of the importance of a solid [tag]emergency fund[/tag]. The refrigerator dying and my banking screw-up have the potential to be a real budget-buster this month. Assuming I have to pay for both Murphy attacks I can always move some money over from my emergency fund, and then replenish it when things return to normal. I have to admit these two items have knocked the wind out of me, but without that padding I would be a lot more upset.