What Are You Doing Right Now

@dafyre said in What Are You Doing Right Now:

@Dashrender said in What Are You Doing Right Now:

@dafyre said in What Are You Doing Right Now:

@gjacobse said in What Are You Doing Right Now:

@dafyre said in What Are You Doing Right Now:

@Minion-Queen said in What Are You Doing Right Now:

Happy Monday everyone!

mumble mumble, growl.

My bank account is exceedingly not happy. As Pops and I were trying to fix the fridge on Saturday (just a water line broke), we happened to notice some oil leaking around the compressor.

We got the water line replaced and plugged the fridge back up, and started smelling something that smelled like food cooking.

We ignored it and went back to working on the fridge. That is when we noticed the magic smoke escaping from the compressor or the relay that turns it on or off.

Got a new fridge from the local Lowes. Turns out it's a Samsung... I got my fire insurance all updated now, just in case, lol.

Ouch - Been there done that.

Replaced the Heat Pump Last year, Washer and Dryer this year... Not to mention long over due repairs on the truck..

I just wish things would happen on my time table, instead of "surprise!" ... But such is life.

The best you can probably do is just start saving now for anything like this and it's failure. once you reach enough savings for that device to be replaced, you can stop saving for that item - of course, you have to have the discipline to never touch that money for something else. Another option would be to find the two most expensive things - say the HVAC and refrigerator, and put enough money away to replace both simultaneously. The likeliness of three things failing at once are pretty low that wouldn't be covered by home owners insurance. Now you'd be good to replace anything that fails.

This is a good idea. With just me working at the moment, I'm building a savings account.... but it's going very slowly, lol.

it's really amazing the amount of money we should having in savings for just this type of thing.

But really - I like the concept of having 1 year of all normal payments in savings, Then the new major appliances worth in savings.. then if you loose your job, you're covered for about a year.

I setup auto-withdrawal on my chequing account that takes out $5 every time I make a transaction. It helps a ton.

Another auto-withdrawal happens every time I get paid.

dafyre

@MattSpeller said in What Are You Doing Right Now:

I setup auto-withdrawal on my chequing account that takes out $5 every time I make a transaction.

That would wind up costing me money. After about the second week of the month, I'd have to start transferring that money back into my live account, lol.

We had some other stuff come up last month... after the bills were paid and we got groceries, there was 22 cents left in the live account. Fortunatley, I had a couple of side job payments come into fix that.

MattSpeller

@dafyre Single, no kids, no mortgage :metal_tone2:

Dashrender

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Marries. No kids, 11 years left on the mortgage. Rate 2.675%..... Kinda not worth paying off faster.

scottalanmiller

@Dashrender said in What Are You Doing Right Now:

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Marries. No kids, 11 years left on the mortgage. Rate 2.675%..... Kinda not worth paying off faster.

Not worth it at all. Your tax breaks are SO worth it.

thanksajdotcom

We just had an agent tell the boss to f*** off and kiss her @$$, and then she took and flung all her computer equipment onto the floor...HP Prodesk computer still works though. Resilient machines they are.

Dashrender

@scottalanmiller said in What Are You Doing Right Now:

@Dashrender said in What Are You Doing Right Now:

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Marries. No kids, 11 years left on the mortgage. Rate 2.675%..... Kinda not worth paying off faster.

Not worth it at all. Your tax breaks are SO worth it.

Exactly.

I really should do the math and see which is higher... The interest I pay or the taxes I save. I'm not in JB's league, so it's hard to say.

dafyre

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Married, wife (and 1 kid), House, Car...

RojoLoco

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Single, no kids, yes mortgage, no car payment.

dafyre

@thanksajdotcom said in What Are You Doing Right Now:

We just had an agent tell the boss to f*** off and kiss her @$$, and then she took and flung all her computer equipment onto the floor...HP Prodesk computer still works though. Resilient machines they are.

Well.... Alrighty then. I guess we know who won't be coming back to work tomorrow...or... ever. lol.

Glad the computer still works! Send them a bill for the damage.

MattSpeller

Just missed my 2 year ML anniversary

JOINED NOVEMBER 7, 2014

StrongBad

@MattSpeller said in What Are You Doing Right Now:

Just missed my 2 year ML anniversary

JOINED NOVEMBER 7, 2014

Congrats! We need an anniversary thread

Dashrender

@dafyre said in What Are You Doing Right Now:

@MattSpeller said in What Are You Doing Right Now:

@dafyre Single, no kids, no mortgage :metal_tone2:

Married, wife (and 1 kid), House, Car...

Last car payment just went into the mail. Now the only debt is the house. CC paid off monthly, so it's just like a typical expense of power/water, etc.