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I know you have felt this way too......

October 22nd, 2013 at 01:19 pm

I know you have felt this way too....everything is needing to be replaced/fixed/paid for...all at once. Booooo! and Hisssss!

Feeling that way to a MEGA degree right now.

*Tires - I need at least 2 new tires on my car. I have 0 tread on the front 2, and I live in ND....and its October...enough said?? (Estimating $400)

*Windshield Wiper - Windshield Wiper on DH's car does not move. And I live in ND...and it's October...lol. We JUST got this fixed a few months ago and it stopped working again. Going to take it back to the same place and ask if they can fix it for free since the original time did not fix it right, but not holding my breathe that they will do it for free. (Estimate $50)

*Hot Tub Cover - Ok of course a hot tub is not a necessity by any stretch of the imagination. But we do have one, so we need to keep up on the maintenance, and the cover is ripped nearly completely in half and of course if it is not covered debris (leaves, bugs, snow) will get in there. So we need to order a new one ASAP. (Estimate $300)

*Home Insurance - I just paid this for the whole year. (Actual $1875)

*Laptop - Again not a necessity per say, but we do not have smart phones or any other access to the internet at home. I have my blog, WIR, and also use it for taxes, spreadsheets, and of course entertainment. Current laptop is about 3-4 years old and is very, very cranky at us. It wants to nap, NOW. (Estimate $1200)

*Class Fee - DH had a class that is required for him to keep his teaching degree. It's already on the Discover Card. (Actual $385)

*Lawn Care - If we pre-pay for our lawn care service for 2014 before 1/1/14 we get a decent discount. (Estimate $350)

And of course CHRISTMAS! (Estimate $800) I did not do very well last year at getting my Christmas shopping done early and that is a big pet peeve of mine to be running around at the last minute and trying to think of gifts. I have a week off in November and my plan is to get all my decorations up, and all of my gifts bought and wrapped that week. That way I can actually enjoy the month of December!

And in case you were keeping track of the fun ahead...that was $5360 smackers! OWWWWIE! Hopefully my estimates are close and we can do this in chunks to not take a whopper of a hit in savings.

So I guess I need to get started on this financial avalanche. Hoping to get the hot tub cover ordered tonight. It's a start!

9 Responses to “I know you have felt this way too......”

  1. creditcardfree Says:

    Yes big expenses all at once are a bit irritating. And, wow, that is some big home insurance payment! Do you have a very large home or do you need to shop around for less expensive insurance, lower limits, higher deductible?

  2. Permanent Temp Says:

    That does stink. Frown I don't like it when things pile up at once either but it always seem to work out that way.

  3. Lena Says:

    Laptop-why so expensive? You can get a solid Toshiba for under $500.

  4. SecretarySaving Says:

    I enjoyed the humor in your post. Too cute! I love that you have a hot tub it sounds nice and cozy. The windshield wiper should be an easy fix. Maybe look for a coupon on the tires and call around and compare costs if you know what size tires you need. Your $350/mth est for the lawn care just $29/mth sounds like a deal! Then the lawn guy has you locked in for the year. You could make the laptop a Christmas gift for you and get a MacBook. Good luck!

  5. Banker Gurl Says:

    Thanks for all the comments!

    creditcardfree - As a relatively new homeowner (6 years) I am unfamiliar with what is too much for home insurance. I talked to my Mom and she said she thought that sounded high also. I got the phone number for her home insurance company and will be calling them this week. Would love to get a cheaper rate and get some refund on this!

    Lena - I guess I was estimating this based on the cost of our last laptop. I am definitely open to options for cheaper laptops or other internet devices! We will shop around and are hoping to find something that will be a good deal on Cyber Monday.

    SecretarySaving - Thank you! I try to keep the world of debt/finance not soooo blahhhh! LOL And thank you for mentioning the coupon for the tires, the place we normally go has coupons on their website and I tend to forget that since it is few and far between, I will make sure I print some out before I go! Also I don't know much about MacBooks, but that would be another option for us to look in to.

  6. pretty cheap jewelry Says:

    2nd the Toshiba, we comparison shopped hard and that won. But it was about a year ago. Watch for price wars on tablets, use www.cnet.com for good computer reviews

  7. creditcardfree Says:

    It is definitely worth looking into cheaper insurance. We pay just under $700 per year for insurance on a home worth about $230K, and we have a $1000 deductible.

  8. Looking Forward Says:

    Yup - I hate it when things happen all at once!

    I'd also shop around for cheaper laptop and cheaper home insurance just as everyone has suggested.

  9. Banker Gurl Says:

    Please see my new entry on 11/3/13 for an update on the home insurance! Thanks for the advise, you all saved me some dollars!!!

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