Monday, July 19, 2010

On Unexpected Expenses

My wallet sure is getting a workout this summer, what with health-related expenses, moving expenses, and just regular day-to-day and maintenance expenses.

Thankfully, I think I've purchased all the stuff on my "NEED" list for my move by now. Those were all more or less within the budget, although it's amazing how expensive things like kettles, placemats and cooking utensils can be. I mean, it's really nothing amazing! Just shaped metal or plastic, or stitched fabric. Sometimes, I miss the good old days of asking your neighbours to craft you what you needed in exchange for your professional services. "Le troc", as we learned in elementary school, totally needs to make a comeback.

A few weeks ago, I had my regularly scheduled dental cleaning - and we had to get a little preventative work done. Ka-ching! Add to that the cost of all my recent physiotherapy appointments, and we've got ka-ching! ka-ching! ka-ching!

In other unexpected expenses, there's the moving truck rental. I'm not talking giant corporate truck with professional movers. I'm talking Ryder, Budget, or U-Haul. In my case, we're going with U-Haul due to availability and convenience, but all those prices rang up to approximately $300. Insane!! I did not plan on such an "expensive" move, though having moved before, I really should have remembered the cost. Ka-ching!

I also had to purchase a new cellphone. The Pearl on my first-generation Blackberry Pearl stopped scrolling up Saturday, and since this has happened before (though in other directions), I knew that a quick Q-tip scrub could clean it up and get it scrolling again in no time. Unfortunately, I was away from home (and Q-tips!) all day. By Sunday, after a few scrubbing attempts, I decided to stop in to the Telus store. They popped-up the pearl and tried to clean it rather than making me purchase a new one ($7... not sure if that's a good deal or not!) but the pearl stopped working altogether. It could now scroll in most directions but wasn't clicking. Or was automatically clicking. Either way, it wasn't going to work for me! Luckily, my Telus contract was expiring in less than 2 weeks so I had a few offers on my account, so I sprung for... the Blackberry Bold with 3G. That's right! I finally made up my mind between iPhone and BB and stuck with the crackberry. What can I say? I'm addicted! The phone wasn't entirely free, though, so ring up another "ka-ching!" there.

And on Monday, I will be going in for a much needed, finally prescribed MRI for my knee. I've got a pretty good insurance plan - thank you, Concordia! - so by getting it done at a particular clinic in Montreal, I can ensure that up to $300 of the cost will be covered (minus previous claim payouts). That means I've still got another $354 + taxes to cover. And this, folks, is why paying your insurance premium every month is worth it. Still... Ka-ching!

For those of you keeping track, that's a whole lot of "ka-ching"s, and I've got a few more move-associated ones to ring up: pantry stocking, cleaning supplies, school fees... So, I'm pretty close to being broke - because I refused to dig in to my savings (for now). At least I know I've got a few paychecks coming in!

How do you deal with unexpected expenses? Do you have a "just in case" fund? Insurance? Rich parents and/or friends who don't mind paying for your night on the town?

Share your secrets, folks! And stay tuned for more move- and knee-related updates!


Naila said...

I feel ya Naila - my ka-chinging days started in June when I went a little crazy with the birthday shopping. But I started this envelope deal - I put certain amounts of money in different envelopes and stick them in different spots in my room. Each one marked for a specific day (night on the town) or "need". Seal the envelopes so you don't get sticky fingers. It helps me control my spending. Plus it's always cool to be searching for that lost top and find an envelope with $20 bucks in the pocket :)

Naila J. said...

Interesting idea! My issue isn't spending though - I can control that well enough... Except when there's too much stuff I actually need! (As opposed to want. lol!)