A few financial tidbits for the month

November 13, 2009 at 12:22 pm (emergency fund, unexpected expenses)

From my $450 car repair total (2 tows, a triple AAA membership and a $250 mechanic bill) $200 will come from my car fund – I had completely forgotten I had anything left in it!, and $100 will come from this month’s budget, so I will only have to deplete my emergency fund by $150!!! Not as bad as I had feared.

I can return my purchased (and unused) alternator at Napa and refund my credit card by $200.

I saved a tank of gas by not driving this past week, carpooling with J in his car (we have slightly divergent schedules, so we often don’t carpool), and using J’s car to do errands or just not go anywhere. I saved about $30-$35.

Found out that my landlord has paid the electric, water, sewage bills through the end of the year, so I don’t have to pay for December. Though once I do live in my house, these bills are paid quartly, so I may get burned when I move out (unless they prorate them with a refund at the end?).

I have to go get boxes for moving at the supermarket. I alsorealized that I can utilize a TON of used cube boxes from work, so I can pretty much start packing this weekend.

We had an unexpected transport to do last night at work, so I got a nice 4 hour overtime addition at the last minute, to my timecard. Whoo hoo! This was going to be an otherwise lean paycheck.

I also got a major deal on a rental truck from a vendor we work with. A flat $25, no mileage, for a truck  for Weds night through Sunday. Can’t beat that!!! And I can get all the padded blankets, foam, boxes, straps and ratchets that I could possibly use from work.

Things aren’t looking as bad as I had thought financially. I will spend a little from my EF, but still make my debt payments this month. I don’t want to fall behind, I’ll just have to build up my EF again. There are $750 of extra deposits that I’m going to have to supply, and I may just use part of my EF for that and pay extra in savings each month until I can get it back to $1000.

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