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Browsing posts in: Emergency Fund

Rain Cloud

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I feel like Eeyore, with the tiny rain cloud following me around. It’s not that I have a negative outlook on life (I like to think I’m a pretty positive person),  but I can’t shake these sad life “happenings” that seem like they’re going to persist…at least for the foreseeable future.

Let me back up. Guess where I am!!!

Hint – I’m not at home or work. I’m not even in the state of Arizona. I’m back in Texas. Flew in (on a $700 last-minute flight, no less) for a funeral. My maternal grandmother unexpectedly passed away. I should say “unexpected” in quotations because although we weren’t anticipating it, she has been in a nursing home for 4 years, is 84 years old and in only mediocre health, so these things don’t come entirely by surprise.

Her death comes right on the heels of Rocky’s death and the sting is real. Guess what else – Chris’ grandfather was just placed on hospice. So he may be making a last minute trip back to Texas for a funeral soon, too.

For a number of reasons, we decided we would each go back solo to attend our respective grandparents’ funeral. In addition to the funeral trips, we’re also planning a trip back up to Utah. For newer readers, my Dad used to live in Utah and still owns property there. When he was diagnosed with his incurable disease, we moved him to an assisted living facility in Texas closer to family. But his Draper home sits unoccupied. The goal is to go up, completely empty the thing out, and get it placed with a property management company that can take over its management and care. Originally we were going to sell the home, but when we actually looked at numbers we realized he didn’t have as much equity as we’d thought. After accounting for closing costs, etc., the house would probably just about break even or net a tiny amount of profits. I’ll outright say that I really wanted to get rid of this property simply for my own sanity – I don’t want to keep dealing with it!!! But I was outvoted amongst the siblings and I respect the group decision to keep it and hope to build up some equity as we get some renters in there paying all the bills and upkeep (plus extra for profits). It feels like a scary risk to me (what if the roof needs repair? the foundation cracks? some other huge $$$ disaster occurs?) but, again, not my decision.

So that’s what’s up on the old summer 2016 docket:  three deaths, two funerals, and a trip to Utah. Oh, and my brother is going through a horrific divorce, the likes of which I’ve only ever seen before in movies (I mean, it’s D.R.A.M.A.). So there’s that.

I don’t know why this little rain cloud won’t leave our family alone, but I’m totally over it. I’m really trying to refocus my priorities on work and family and to keep a positive outlook on life, making the best of even bad situations. On that note, I’m excited to see a couple cousins who will be flying into town today (my grandma’s funeral is tomorrow). We’re going to have a swim and pancake party tonight at my brother’s house and I can’t wait! Wish my kiddos were here (they’d love it!), but given all the circumstances I don’t regret the decision to fly back to Texas solo. I’m happy to spend time surrounded by extended family, love, support, and fun stories of our sweet Nana.

Financials…

I can’t just end this post without getting to the meat of the matter. Which is to say that I’ve taken another $700 from our emergency fund in order to cover the costs of this unexpected last-minute trip. I owe you lots of posts soon (May budget update; May debt update) to fully update you on our whole money situation. The Cliff’s Notes version is that our May debt updates were small, we had NO savings in May, and we ended up having to raid our EF to help cover the end-of-life expenses for our beloved dog. BUT (looking at the positive) – NO NEW DEBT and I was still able to make a little dent in our current debts, too. I have to call that a win with all things considered!

Let’s not dwell on the negatives. Tell me something POSITIVE about your summer:  some fun plans, exciting activities, new debt milestones or debt payoffs, etc. etc.  I’ll tell one of mine:  We took our girls up to Sabino Canyon last weekend and had SO MUCH FUN! We rode a little tram thing, hiked around, and “swam” (waded) in some bodies of water that result from the snow melting up on the mountain. Being the desert, we don’t have a lot of water in Tucson so it was a real treat to get to play in a natural body of water (not a swimming pool), and it was the girls’ first ever “hike” (a very light hike). I love making these types of memories with the kiddos!


A dog’s worth

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Rock3

 

Rocky was our first baby. Years before we ever had human children, he was our “child.” Yes, we were those people. The kind who refer to their pets as children. We treated him as well as you’d treat a human child, too. He had it made. Dog parks, long jogs, lots of love and affection. He moved with us cross-country two separate times. He’s been with us through thick and thin. Richer and poorer. All that stuff.

Having kids changed all that, to some extent.

IMAG4179

 

He still remained our “child”, but now we referred to him as our “first born.” He was no longer the baby, having been displaced by two human babies. The trips to the dog park became less frequent. The jogs became shorter. And, in general, he realized he’d been replaced on the food chain. Our two new human babies came before him. He accepted his new position in the family like a champ. Never acting out or misbehaving. In fact, he rather liked having these two tiny humans running around. Although they were loud and he didn’t like having his sleep disrupted at night (omg, they didn’t reliably sleep through the night until they were nearly 3!!!), he LOVED all the table scraps he suddenly started gaining access to as the girls would drop things from their high chair trays (or purposely throw down food, on occasion).

Rocky turned 11 this year.

As a large dog, I know his days are numbered as it is. He’s starting to slow down, show signs of arthritis, etc.

We took him to the vet yesterday for his routine check-up. He needed updated vaccinations and I wanted to ask about the arthritis issue (I’d noticed he no longer jumps onto our bed anymore. This was a big deal to me as he’s slept with us for all 11 years of his life. Yes, I know that’s not necessarily healthy and all. Like I said, he’s our baby).

But that’s not how things went.

During the vet’s examination, there were some troubling things about Rocky. His ears looked yellow. His gums, too, looked yellow. I’d never noticed before.

The vet drew labs. $275 later we were headed home. We’d get a call the next day with some news.

We waited and waited and called the vet probably 20 times (“no, labs aren’t back yet.”). We finally heard back at 6:30pm this evening, after the office had already closed for the day. Rocky’s white blood count is perfectly normal (which is good), but his liver enzymes are off the chart. The vet referred us to an emergency vet clinic. She wants us to make an appointment ASAP for an abdominal ultrasound (estimated about $400, on top of the $100 office visit charge). If it’s not telling, we may be advised to have a biopsy done (estimated at $1000+).

I’m at a total loss.

After the expensive vet visit yesterday, I was thankful we already had some funds set aside for “pet expenses.” We had about $350 in the account, so husband and I joked that we still had about $75 leftover after paying for the vet. “The problem better be $75 or less. More than that, and he’s screwed.” Chuckle, chuckle.

But now this.

I’m a realist. I always have been. So I’m trying to detach myself from the emotions involved (he’s my baby) and think practically. Logically.

He’s 11 years old. He’s a large dog. He’s not going to live many more years anyway. Do we really want to spend up to $1,000+ just on diagnostics?? Then what if we find out he needs surgery? Are we going to shell out the many multiple thousands for that? And he’s so old, recovery would be hard anyway. No guarantee he’d even survive surgery. I don’t think we’d go that route.

But where do we draw the line? What’s the worth of this animal? This member of our family? Our “first born child”?

 

I’m grateful we’ve been building up an emergency fund. But does this qualify as an “emergency”? What would you do? How much would you be willing to spend on your dog to find out what’s wrong? How much would you be willing to spend on your dog to fix the problem (once an official diagnosis is reached)? What’s the most humane option? What’s the best option?

I’m leaning toward opting for an ultrasound so we at least know what we’re dealing with (at an estimated cost of approximately $500 including the office visit charge). If the ultrasound doesn’t give us any indication of the problem….then what? Proceed with biopsy? Decline biopsy and call it a day? Watch him suffer in pain until the end? End it early?

My heart breaks. Obviously I knew he was getting old. I knew this day would come eventually. But still. My heart breaks.

See another Rocky-centric post here.


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