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Posts tagged with: Saving Money

What is an ‘Emergency’?


We had to put our 14-year-old dog down today. His health has been slowly failing and I’ve been ignoring it for as long as possible. If I ignore it, I don’t have to do anything right? Last week, my husband mentioned that it was time. We needed to stop the suffering.

I couldn’t do it.

Yup, I admit I was willing to let my dog suffer because I simply can’t let go.

Last night, my son touched the dog and the dog howled in pain. My husband put his foot down and said I had one night to say goodbye. Ugh! At Christmas too!

We all said goodbye and my husband called the dog to the car. He gently stood up from his bed and obediently followed my husband out the door. He has no idea that today is his last. Oh geez. I’m glad none of you can see me. I’m a total mess as I’m writing this.

It doesn’t help that we lost our other senior dog less than 6 months ago. The kids still talk about how much they miss that dog. This is why you don’t adopt two dogs at the same time!

This loss is big. And the second in a very short time.

Our dogs have been such a big part of our kids’ lives. They love to take them for walks each morning and they argue about who the dogs will sleep with when we camp. Going without one isn’t something I want to do.

Morbid as it sounds, I’ve been budgeting for the vet expense (type A to a fault). I knew it was coming and even started budgeting for a replacement dog. But I didn’t plan on it happening so soon and we are short. We’re short $100 on the vet bill and likely $200 or so on an adoption fee/licensing/ID tags for a replacement dog. The vet bill is clearly an emergency and I’m pulling that from our emergency fund. The replacement dog is where I waiver.

The light in the tunnel is we’re hitting up on Christmas and the hustle and bustle of the holiday is a great distraction. Lots of sleepovers with grandma and cookie making for Santa. We can easily delay it until mid-January and by then, I’ll have the $200 covered if we stay slim on the budget. Had it not been the holiday season I’d be in a bind. But it did cross my mind to declare this an emergency and come home with a dog tomorrow.

Question… would you ever consider replacing a pet an emergency?

Note: Please don’t debate adopting vs breeding. We are shelter folks but even shelter dogs aren’t free.

Saying No is Hard


Do you ever get over saying “No” to your kids? Especially when it comes to things that are traditionally a right of passage? I’ve had to do that several times lately. And not only does it ache when I do it, but it continues to twinge a bit when it comes up again.

The two most recent examples are a class ring and a letterman’s jacket for Princess. I said “No” to both. I looked at my bank account and my own experience having received both items when I was younger.

First, they are both very expensive for what they are…the rings started at $300 and went up from there. And the jackets, the same. Even just one of them was more than I thought was worth it, let alone both.

Second, I looked back at my experience…I stopped wearing the jacket the minute winter was over my senior year of high school. And my ring…I have no idea where it went after high school. The next expensive jewelry piece I received was my engagement ring.

The combination of this evaluation led to a resounding “No.” But I can’t help but feel bad when I hear about the other kids getting their rings this week or seeing them wearing their jackets when I drop Princess off.

Financially, I KNOW this was the right decision. These are both items with a very short “life expectancy” as far as items go. I decided some years ago that I would much rather spend $$ on experiences versus stuff. But the reality is, I know Princess would really enjoy these items. I have found myself justifying expenses for Princess with “she works so hard and asks for so little.” It’s hard not to feel a twinge.

But I am standing strong. And continuing to try to make better financial decision, despite the heartache it may occasionally cause.