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Diving into our Emergency Fund…Again

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We received an interesting letter from our insurance company. They ‘asked’ us to install safety flood lighting in front of our home due to the continuation of the seemingly never-ending legal battle we’re in. If changes are not made by the date listed, we would be dropped.

Murphy’s Law has moved in to our home.

Let’s see, the incident happened nearly three years ago, didn’t happen on my property, and wouldn’t have been prevented by flood lights but…

Sure. Now seems like a great time to demand a change (To be fair, there are 5 watt nightlights brighter than our porch lamp so I can’t exactly fault them for saying we are inadequately lit).

My husband knew how to run the wire and install the fixtures but the $300 price tag for materials pushed us over the edge. We had to…

Dive into our emergency fund.

The whole weekend, as my husband made repeated trips to Lowes, I tried to figure out how we could possibly pay for it without dipping into our emergency cash.

When the job was done, my husband suggested we recycle the stack of cans he had been saving and I thought, ‘Sure. $5 of recycling is going to save us’ but went along anyway to help him sort the bottles and cans.

30 minutes of sorting in 95 degree heat really helped my attitude problem.

How much did we net at the recycling place? $477.85.

How? My husband took the $27.85 earned from recycling and, since neither of us had our wallets, lifted the lid to put it in his truck center console and found a $450 check payment from a side job he was paid for a month and a half ago and forgot about. (Yes, that was a long run-on sentence)

If I wasn’t so happy about putting it back into our emergency fund, I probably would have smacked him for forgetting about it in the first place.

Emergency floodlights and part of the vet bills… covered. Whew!

No Dining Out Week 7…

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It didn’t happen when I was working late, it didn’t happen when I was stressed, it didn’t happen when I found $30 in my jeans pocket but…

IT happened on Sunday.

IT meaning… I went out to eat on Sunday.

Before you stoke the fire for burning me at the stake, let me explain. I have a totally good reason…

Actually… I don’t.

I went wine tasting with my husband, my brother, and my sister-in-law. We have friends who work at the local wineries and they let us taste wine for free. Fast forward six hours and I’m sitting at a table with a chopped salad and a thin crust pizza staring back at me.

I can fight off sleep, I can fight off grocery store crowds, and I can fight off impatience to stay out of restaurants.

Apparently, I cannot fight six hours of free Sangiovese, Pinot Gris, and Orange Champagne.

The damage? $25 dollars including tip. No, it won’t break our bank and no, we didn’t go outside our grocery budget but I’ll admit that I’m mad at myself for busting our deal without a fabulous reason – but… it was the best chopped salad and pizza I’ve ever had.

OK, you can go stoke the fire now.