Murphy Rears Its Ugly HEAD!!

I would like to preface this post with "its totally my fault" before I go into detail with what happen so I don't get sympathy cards n such lol.

It all started 3 weeks ago when I heard a ticking noise in my car. I had intended to get it checked out but the sound went away. So I did what lazy people do FORGET ABOUT IT. Fast forward today I find out I blew my engine!!!! I usually am good about taking care of my car but I have been so engulfed in the rest of life that maintenance on my car was so far from my mind.

Prayerfully the car will be fixed because I refuse to by a beater im clueless about and I have fallen in love with my busted engine car. I figure im almost debt free and I will have to come out of pocket either buy getting another beater or fixing the one I have. I figure if I can fix the one I have I would feel better about it. Its been interesting though to hear peoples opinions about what I should do. I have heard everything from junk my current car, to get a loan for a new one.

My conclusion is that life is so much easier when you have the money to take care of life's little opposes. I remember when Dave ramsey talked about how when you are broke everything seems to go into drama mode and crisis overload. With my emergency fund in place I have been able to sit and think rationally about the solution and seek counsel about my choices. My friends have all been very supportive in this time so when I get back rolling I am going to do something for all of them that have made sure I don't get overwhelmed with my car troubles.

I learn more everyday that God is so amazing and he really loves me sometimes more than my little brain can fathom. Im so happy and grateful for lessons, even the hard ones that you think after 2 years of playing the money game you would get! But hey im human and I make mistakes too!!

So with all this said I can not stress the importance of having an emergency fund. It can keep you from really going insane literally !

Emergency Funds

Im sure if you are an avid reader of any money blog you have come across the topic more than a few times.

Yesterday was my first FPU class which went great by the way, and we watched the lesson on super saving. I remember when I first had to save up 1,000 and how much of a pain it was. I have had to "dip" into my emergency fund a lot over the last 2 years and each time I have been thankful that the money was there.

If you don't have a mini emergency fund, please use this tax season to get one. You dont want to waste your whole refund on shopping and gadgets this year again. Set some money aside and start building that fund up. If your heart is beating you can count on you having emergencies.

Whats stopping you! do it now!