:::: MENU ::::

Posts tagged with: budget buster

Expensive @$$ Keys!

by

Well, I’m happy to report that my car issue has now been resolved.

Several people commented on my original post with tips, suggestions, and ideas and I thank you all. Many of you advocated going ahead and starting to look for a new car, given that this seems to have become a pattern (this being our 3rd electronic-related repair in the past year and a half-ish). That being said, I didn’t feel good about that option. I know I don’t want to take on more debt and the thought of trading in my paid-off car to trade down to a “lesser” car wasn’t very appealing. If I’m able, I’d rather stick it out with my vehicle a while longer and try to continue attacking our debts.

So what was the problem, you may ask???

Drumroll………

.

.

.

The keys. Something was messed up with the keys. The guy didn’t give me a great explanation (at least one that I could understand) for why the old keys stopped working. But for some reason, they stopped working. As part of the anti-theft system in the car, the vehicle would not turn on because it wasn’t “recognizing” our key as the correct key for the vehicle. So nothing was actually wrong with the car, itself. It was some glitch or error with the key and the anti-theft system prevented the vehicle from starting.

Nearly a thousand dollars later, I have two new keys and I’m back in my car.

Yes, you heard that correct. Nearly a THOUSAND DOLLARS went to this repair.

I’m using round numbers here, but it broke down as follows:

  • Car rental for 2 days (plus taxes and fees) = $100
  • Car tow to the dealership (Progressive paid for the first tow to the local repair shop, but the’d only cover 15-miles total and I had to have it towed from the local repair place to the dealer) = $100
  • 2 New Car Keys (including parts & labor) = 550
  • TOTAL: $750

So if you want to see the most expensive key on the planet (as far as I’m concerned), feast your eyes on this sucker:

I’ve opened up a little bit about various mental health issues I’ve been struggling with. So instead of seeing the major negatives in this situation (mainly the $$$$$$$), I’m really trying to focus on the positives. When the car key issue occurred, we were at home. We’re so lucky we weren’t stranded somewhere else (think about if it would have occurred while we were on one of our cross-country road trips back to Texas!). I’m also so glad the repair ended up being a quick and easy thing. I was originally being quoted a 3-week wait to get the car back! But after the dealer got the car, they had the keys programmed and I was able to pick up the car the very next day. Also, I’m glad nothing major was wrong with the car, itself. It felt major just due to the inconvenience of having to share one vehicle (plus the giant price-tag seems to have indicated a giant issue), but no. The issue itself was very minor and that makes me feel a little more secure with keeping the vehicle and NOT trading it in.

Right now I’m cautiously optimistic. I do think these car issues have started to multiply. I was really hoping to drive this vehicle for 250,000+ miles. Now I’m not so confident in that plan and whether the vehicle will hold out that long. I think we need to get a better plan in place for vehicle repairs and we need to start thinking longer-term about what our  next vehicle will look like (how much we want to spend, how long it will take to save, timeframe for when we want to buy, etc.). I’ll be honest. I know 2018 just barely began, but I see this as our year of finding balance. I think we’ll continue to make baby steps toward our debt-eradication goals, but I don’t think we’ve got any wiggle room to start saving up for a new vehicle. So for the time being, I’m going to hope and pray our current car holds out and keeps going strong for us. Maybe 2019 will be the year we begin saving up a “car fund” for a new vehicle. I don’t know. All I do know is that this month just got a major blow in terms of finances. Not the way I’d wanted to start my new year. But, again, I’m trying to focus on the positives. Things could have been worse. I’m just glad to have my car back. Along with the nicest set of keys I’ve ever seen in my life (lol).

Anyone else have a big financial obstacle this year already? How do you deal with big financial blows?


Budget’s Busted!

by

We’re nearing the end of the semester at my university and this time of year is notoriously crazy. Fortunately, I’m seeing a light at the end of the tunnel (and the cruise! Can’t wait!!!). But the past 4 weeks have been insane. It hasn’t helped that I haven’t had weekends to catch up on things, either! Last weekend I had a 2-day workshop that I hosted and ran (= TONS of work, not to mention the whole weekend was taken). The weekend before, hubs was out of town the entire weekend for a conference (= quality mommy-daughter time, but impossible to catch up on other household or work tasks because there’s no “time off”). So it’s felt like the past 3 weeks were just one continuous week with no end in sight. I’m really looking forward to this weekend.

But there’s one thing…

I’ve let time get away from me. The first time I sat down to reconcile the budget this month wasn’t until just a couple days ago (usually I enter purchases pretty immediately). I sat down and typed in all the numbers and discovered that we’d already blown our entire restaurant budget for the month…only 1/3 of the way through the month.

It’s kind of ironic coming on the tail of last month, where I’d finally tamed our food budget and was talking about what an impact meal planning and food prep had been making. This month has included far too many nights where I’ve had to unexpectedly work late, resulting in a quick run to a sandwich shop or chick-fil-a on my way home so the kids could eat immediately and not wait for food to be cooked. We’ve also been dealing with more illness (this entire semester has been back-to-back sickness! It’s been tough!). There was a solid week straight that was affected as first one child had a stomach virus, then me, then hubs, then other child. While hubs and I were sick (and our bugs overlapped. Ugh!), it was impossible to cook food for the kids, but they still needed to be fed. Take-out pizza to the rescue! I think you’re seeing the general trend.

Realizing what’s happened, I’m going to buckle down and try to have no more eating out for the rest of the month. That being said, we luck out a little since our cruise is on the horizon. Any “eating out” at that time will come from our cruise budget (not our regular eating out budget). However, my mother-in-law is coming out to help travel with the kids. While she’s here we’ve always treated her to at least one meal out at a local restaurant, so I know there’s going to be at least one more eating out expense.

It’s tough. There are giant peaks and valleys in academia. During summer, things are pretty tame. But right now I’m getting my butt whipped and just barely treading water as I keep battling illness, trying to plan for a vacation, etc. I’ll be honest. Early in our debt-reduction mission I might face this type of challenge with gumption and determination. Right now though…..when I added all the numbers and saw we’d blown the budget….I just felt defeated. Like it’s not even possible to go the rest of the month without any more eating out.

I really am going to try my hardest, but just wanted to be honest about my feelings. Don’t know whether the difference can be attributed to just the craziness of this time of year with work, or whether its a more general issue of being so entrenched in debt-reduction. It’s no longer this shiny new thing that I’m just beginning. I’m still just as dedicated to get out of debt, but I now feel like I’m dead in the middle of an ultra-marathon. I’ve come so far, but still have so far left to go and digging deep to find the energy to continue isn’t always easy.

I’ll just keep pressing forward.

How do you handle disappointment when you realize you’ve blown your budget? How do you continue with resolve rather than simply blowing off the rest of the month? What do you do to keep your spirits high?


Pages:123