Tuesday, December 10, 2013

Bad Luck Moneybags

Ugh, you GUYS. This year has been one long streak of bad luck. Between all the complex medical baby stuff and the basement flooding, I thought we had already had our share of nonsense, but this weekend our furnace went kerplooey and needs to be replaced. It has been below freezing for about two weeks, and most of that time it has even been below zero, with windchills in the negative teens or colder. The house is currently around 50 degrees indoors and our electric bill is going to be through the roof thanks to the space heaters that are keeping it at that temperature.

And now we have no hot water, although we're not sure if that's because the water pipes are so cold or because the hot water heater has gone south as well.



The furnace will cost us about $4,300 after rebates and credits, but we have to pony up more than $6,000 to get it installed today. We didn't have time to shop around, given how cold it is, and one of those rebates requires us to have the original installer remove the faulty furnace so it would have been a huge hassle to have them do one part of the job and someone else do the rest so we didn't even try to get competitive bids. That's frustrating, but I guess the furnace is not going to cooperate and let you know there's a problem when it's a balmy 75 degrees out and you have time to do the research.

I'm not even going to deal with the water heater until the house is warm again so we can see if cold pipes were causing the problem.

Oh, also - the car needs new brakes, new tires and an oil change.

On the upside, while none of these expenses are pleasant to deal with, and will wipe out a big chunk of our emergency savings - we do have emergency savings. We won't have to pay interest on these purchases, and we are getting a small discount for paying in full up front. At least we don't have serious financial stress on top of all of this - it's the kind of thing that's going to make me think wistfully of the retirement we probably won't be able to fully fund this year, the Caribbean vacation we won't be taking, and I'll be clipping a few more coupons and saying no to a few meals out. But I won't be laying awake at night worrying about it, so I'm thankful for that.


  1. Sorry to hear about another not so happy event, but you are not alone. In the first year that I stopped working and stayed home with my son we spent a ridiculous amount of money on all sorts of repairs. I can't remember the entire list, but it involved things like cracked pipes, wall repair and new air conditioners. I'm glad to hear you have the money to pay for your expenses. Just wanted you to know you are not alone.

    1. Thanks - you know, it IS helpful to know I'm not alone. I think it's a lot scary to have to spend out of the emergency fund when we're just learning to manage on one income. And it's all stuff that's not fun - it's not like a kitchen or bathroom makeover. Our repairs (and yours too, sounds like) are boring grown up stuff. :)


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