So there are some good things about how the whole sewer line thing shook out that I'm grateful for, besides all the obvious reasons I'm pissed about it.
If this had happened during any other six month period in the last 6 years I've been in the house I woulda been screwed. A $13,700 bill was not something I would have had any real capacity to absorb and would have needed to take out a large loan to cover, which would have required me to go hundreds of dollars over budget every month trying to juggle them all. My monthly cash flow isnt actually as safe as it should be, even with me being as aggressive of a saver as I am. Being able to put $150 a month towards emergency savings just wouldnt cover a bill of this scale. Most of my savings came from one time bursts of cash from bonuses, and 3 pay periods in one month, or my tax returns etc, but I did keep saving and was able to build up several months worth of income and was able to grow it. I'm grateful I had enough time to grow my money to cover the bill. I had about $700 of growth last year and $1200 or so this year, and without those I wouldnt have had enough to get this done. You just never know when stuff like that is going to jump out at you, but my aggressive savings and investing pulled me through and really the only impact I'll feel from this, is the next couple weeks while I stress over the funds clearing from the stock sale, and then getting transferred to my checking account in time.
Beyond that though, I feel naked now. All my funds are wiped out and I have almost no capacity to recover from another large shock. I've also been forcibly removed from investing, which is a real pisser cause I enjoy it so much, and now I've been sidelined. So I'm pissy and uneasy. I dont like feeling vulnerable. As they say, you just dont have that same kind of security anymore without the savings. Why do we care about money in the first place? Cause this is the currency of how we go about our daily lives, and if you have enough you can follow the path you want to walk, and if you're short you get a ride down the river instead, a slave to the currents. I dont like thinking about 3 years of savings wiped out, but its time to start thinking about how I can begin the rebuild.
Lotsa Love peoples,
Sean
If this had happened during any other six month period in the last 6 years I've been in the house I woulda been screwed. A $13,700 bill was not something I would have had any real capacity to absorb and would have needed to take out a large loan to cover, which would have required me to go hundreds of dollars over budget every month trying to juggle them all. My monthly cash flow isnt actually as safe as it should be, even with me being as aggressive of a saver as I am. Being able to put $150 a month towards emergency savings just wouldnt cover a bill of this scale. Most of my savings came from one time bursts of cash from bonuses, and 3 pay periods in one month, or my tax returns etc, but I did keep saving and was able to build up several months worth of income and was able to grow it. I'm grateful I had enough time to grow my money to cover the bill. I had about $700 of growth last year and $1200 or so this year, and without those I wouldnt have had enough to get this done. You just never know when stuff like that is going to jump out at you, but my aggressive savings and investing pulled me through and really the only impact I'll feel from this, is the next couple weeks while I stress over the funds clearing from the stock sale, and then getting transferred to my checking account in time.
Beyond that though, I feel naked now. All my funds are wiped out and I have almost no capacity to recover from another large shock. I've also been forcibly removed from investing, which is a real pisser cause I enjoy it so much, and now I've been sidelined. So I'm pissy and uneasy. I dont like feeling vulnerable. As they say, you just dont have that same kind of security anymore without the savings. Why do we care about money in the first place? Cause this is the currency of how we go about our daily lives, and if you have enough you can follow the path you want to walk, and if you're short you get a ride down the river instead, a slave to the currents. I dont like thinking about 3 years of savings wiped out, but its time to start thinking about how I can begin the rebuild.
Lotsa Love peoples,
Sean