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Posts tagged with: cold hard cash

When You are Desperate for Cash…

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As soon as my husband and I received our paychecks a week ago, I wrote a check for $1,000 to Toyota. If I don’t pay this chunk immediately, I miraculously find ways to spend it on anything other than debt reduction.

The VERY NEXT DAY, the electrical went out in our garage. My husband said he was more than willing to prolong repairing it but couldn’t because he thought it was ‘potentially life threatening’ blah, blah, blah.

I offered to avoid the garage area, the open electrical box, and the live wires near the light switch but for some reason, he didn’t trust me to remember not to touch the switch while hungrily running to the garage freezer for a pint of Ben and Jerry’s – plus, there was some mention of a ‘potential fire hazard’.

The cost of the repairs? $150.

The amount of cash in our account? $162.

The amount of food in our fridge? None.

Our grocery budget funded the repairs.

It’s times like these, we are supposed to dive into our emergency fund. Electrical/housing/safety problem definitely qualifies as an EMERGENCY but for some reason, I can’t touch that cash without feeling uneasy.

Instead, I looked around my house for something to sell.

My eyes fell on a lamp, still in the box with a receipt taped to the top, which I purchased 2 weeks ago. The lamp in our living room broke and all we have is a fixture with a bare bulb. I bought a $40 floor lamp from Target to replace it but felt uneasy about spending money so I left it in the box while I debated it.

While I stood in the returns line to get back some cold hard cash for groceries, my sister called. When she asked what I was doing, I told her I was returning a lamp for grocery money.

You know you’ve reached a certain consistent level of crazy when your sister doesn’t hiccup over the above statement and simply says, “Cool. Anyway, are you coming to mom and dad’s today?”


Optimism in Finances…

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I’m trying to be optimistic about our new spending habits and decided on…

My Top 5 Reasons Why Living Within Your Means (Especially While Broke) is Totally and Completely Awesome

#1) For once in my life, I’m not all that concerned about a purse snatching. The days of credit cards in my wallet are long gone. If a thief can profit off my purse containing only a Costco card, a snotty tissue, and a pair of tweezers… more power to him.

#2) My husband and I get to try ‘experimental’ cuisine!

The old me used to take grocery lists to the store with silly items like: Expensive pre-cooked chicken, organic herbs, fine chocolate, $3 avocados…

Now my list reads: Anything on sale.

If anyone knows a good recipe for pigs intestine, Safeway brand peanut butter, and Ragu pasta sauce, please pass it my way.

#3) When solicitors come to my door peddling everything from magazine subscriptions to pest control, I can say, ‘We can’t afford it at this time’ and for the first time, it isn’t a bold faced lie.

#4) I finally have a sense of value. I value everything I have worked for….

And I think about how much I could get for it on EBay.

If my husband comes home tonight and all the furniture is gone…

I didn’t auction it off, we were robbed. Or at least, that’s my story.

#5) My husband and I are forming a tighter bond in our marriage. No, we aren’t ‘holding to each other during these trying times’ or whatever romantic notion you have, we simply cut back on our cable tv. Since neither of us are fans of the Public Broadcasting Telethon nor the 50,000th re-run of Everybody Loves Raymond, we are forced to…

Talk.

After 15 seconds of that garbage (wink), we warm up the Nintendo and shoot the crud out of each other in Contra.

Bonding I tell you, Bonding.

Hmm. Maybe this optimism thing isn’t so bad. What do you have to add? What makes you smile about living within your means?