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Posts tagged with: hiccup

Paying bills non-conventionally?

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I received the credit card/vet payment bill today for Hutch’s hospitalization (He’s doing WONDERFUL by the way. I went running with him last night and it was awesome!!)

$1781.00

I lost my breath.

But hey, according to the paperwork, if I make minimum payments…I can be paid off in 13 years. It annoys me that this credit card company hopes my debt may outlive my dog.

As I stared at the bill, I was annoyed with myself. Dave Ramsey encourages people to live outside the box rather than have a natural reaction to accrue more debt.

I didn’t think outside the box. I threw in the towel – and quickly at that.

The fact is, there will ALWAYS be a reason to jump back into debt. Car repairs, hospital bills, home repairs… VET BILLS.

I know it’s only a two month hiccup but I can’t help but wonder if I had offered to scrub dog poop, would have let me?

I’m working on changing the way I think. I’m slow – but I’m getting there.

What I really wonder is…

What is the strangest way you have paid a bill?

Have you cleaned your dentist’s home? Have you cooked for your mechanic? Have you babysat for your plumber?

My husband installed an exhaust fan for a 6 pack of beer so trust me – I know you folks are out there.


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?”