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We had 8 Financial Emergencies in 2013

Before I start complaining I want to acknowledge that in the grand scheme of things I know I have nothing to complain about.   We had a lot of unexpected expenses and we got through it because we were prepared for emergencies. Our regular bills are low, our debt is gone, and we had savings.

Ok, here we go…

emergency for siteJan – living in bliss, no idea of the emergencies that were headed our way

Feb – $3,000 in car repairs. My husband’s transmission went out.

Feb – $2,200 in hospital bills.  My husband had valley fever.

March – $325 in travel.  My dad was diagnosed with Cancer.

April – $1,700 in travel.  Several trips up to my Dad’s house when he passed away.

April – $1,000 in car repairs.  One of the drives up to my Dad’s house we stopped at a gas station on the road and realized the tires were awful and didn’t want to continue the trip on them.

May – a breather!

June- $4,700 in house repairs.  A/C went out.

July – $900 in house repairs.  Dishwasher broke and we got a new dishwasher and stove.  (Ok, the stove wasn’t really an emergency but it was a great deal.)

Aug- $5,200 in rental repairs.  Their A/C went out.

Sept – another breather!

Oct – $1700 in car repairs.  Brakes, batteries, and other little stuff

Nov – $1,425 on a new TV.  The TV broke and after research about getting it repaired we decided it wasn’t worth it and went new.  I’ll admit this wasn’t an emergency if someone wants to argue that point.

Dec – nothing yet!

Total major unexpected expenses = $21,250!

See what I’m saying!  Just one thing after another!  We just couldn’t catch a break.  The blessing was my new job with steady income.  I haven’t had steady income in years and that totally saved us this year!

But all that said we didn’t incur any more debt and paid cash for everything.  Our emergency fund took a hit and so did our IRA’s since we dipped into our contributions for 2013 to pay for the air conditioner on the rental house.  But what are you gunna do?  I’m seriously hoping 2014  calms down a bit and we can get caught up.  I can’t handle another year like this!

4 comments… add one

  • dojo December 27, 2013, 3:19 am

    Now this was a very rough year. Imagine what would have happened if you had no emergency fund and had to take loans for all these emergencies. This is why having some money stashed for ‘bad times’ can really save the day.

    Wish you a better 2014 ;)

    • Ashley @ Money Talks December 27, 2013, 10:39 am

      Yes, I was so glad we had money stashed aside this year! I’m also glad that we replenished the e-fund when we could… otherwise it would be totally drained!

  • Kurt @ Money Counselor December 27, 2013, 9:39 am

    The thing is, every year is “abnormal,” right? One part of financial success is to expect and prepare for the unplanned. Otherwise the cost of these sorts of events–which always happen–might end up on a high-interest credit card and the debt hole-digging begins!

    • Ashley @ Money Talks December 27, 2013, 10:40 am

      Yes, for sure there is no normal year! I just thought in like Feb that our “emergency” had hit and we were clear for the rest of the year. Hahaha.

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