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Ugh I Hate Emergencies

January 7th, 2018 at 01:14 am


Ugh I'm need of brakes, total will be $467.85, this includes fluid, disc, rotor etc. I have the EF but I really don't want to use it for that. Next Friday is pay day, I can throw about $200 of this towards the brakes and take the remainder out of the EF. Only drawback is that I won't be able to pay off CC3.

I do have a $10 coupon so that will be a bit of a savings. I'm hoping to have the check from Sprint but then, then that way I won't have to touch the EF. 🙄🤦🏾‍♀️

Posted in Emergency Fund | 12 Comments »

12 Responses to “Ugh I Hate Emergencies”

  1. AnotherReader Says:
    January 7th, 2018 at 01:31 am 1515288678
    1515288678

    Where are you getting this done? All four wheels or just two? How many miles since the brakes were last done? That sounds very high. I had mine done on a 2013 Corolla last June for $160. I would get at least one more estimate from an independent brake shop.

  2. creditcardfree Says:
    January 7th, 2018 at 01:37 am 1515289064
    1515289064

    Car repairs are not usually classified as emergencies. We know that brake pads wear out, so will need to be replaced. Thus a sinking fund for car maintenance. But I get that in your current case it feels like an emergency. You have the right plan to use upcoming cash and another money you can find and take the money for the EF for the rest.

  3. Amber Says:
    January 7th, 2018 at 02:08 am 1515290903
    1515290903

    Yeah I'm a little late to the party, started the sinking fund late December, the fund does include car repairs.

    The car is a 2002, I've never had my breaks done and honestly, I can feel thst something is wrong. I did reach out to the mechanic at the car shop (Tire Kingdom) who told me he'd due the work on the side but, haven't heard a thing. Right now, I only received an estimate at Tire Kingdom. I don't know of any other place but Toyota and I know that's out of my league.

  4. AnotherReader Says:
    January 7th, 2018 at 02:14 am 1515291290
    1515291290

    If the brakes have not been done in 16 years, the car is due. However, I would shop the price. Things are probably expensive in South Florida, as they are here in Silicon Valley, but that's more like a dealer price than an independent shop price.

  5. snafu Says:
    January 7th, 2018 at 06:35 am 1515306941
    1515306941

    I hope you keep a binder on vehicle repairs. I didn't see cylinders on your list. When did you 1st notice the brakes were squealing? This sin't a replacement that can wait...it gets worse and more expensive. I suggest you do a quick review of the car's manual and list mileage interventions. Likewise check Lemon Aid and note upcoming work for your make, model year of car.

  6. LuckyRobin Says:
    January 7th, 2018 at 07:54 am 1515311651
    1515311651

  7. LuckyRobin Says:
    January 7th, 2018 at 07:57 am 1515311830
    1515311830

    With that kind of price quote I think you've damaged the drums themselves, which is a much more expensive brake repair. Are they grinding? If so, stop driving the car until the day you take it into the shop. It's not safe.

  8. Amber Says:
    January 7th, 2018 at 11:31 am 1515324703
    1515324703

    I mentioned to the SO that I thought I needed brakes a while ago, he said no, so I drove the car, what do I know thought. What I soon figured out after this quote is that he knows nothing about cars.

    I was going to wait, but after your posts, I'll take it in today. No time to look for a cheaper places I drive about 60 miles each day to and from work. This sucks!

    Creating that binder today

  9. creditcardfree Says:
    January 7th, 2018 at 01:44 pm 1515332642
    1515332642

    It's important to be safe. This too will pass and you will get around it and get to move on to paying off debt once again. Just a little bump in the road. Smile

  10. Dido Says:
    January 7th, 2018 at 03:07 pm 1515337644
    1515337644

    I agree with CCF--just a little bump. Working brakes are a big deal! Safety first!

  11. Out of the Dark Says:
    January 7th, 2018 at 07:44 pm 1515354259
    1515354259

    Look for a break company that beats the competitor's price by at least 10%.

    On another note, last week I was in NYC for work. I was notified of a plumbing issue at home due to the subzero temperatures. I engaged the plumber and after all was said and done, the bill was $465.00. EF covered it and I will bring it back to $1k asap! That's what it's for.

    Finally, 16 years on the same breaks, wow! Nice factory work. Best of luck Amber!

  12. rob62521 Says:
    January 7th, 2018 at 09:22 pm 1515360163
    1515360163

    Sometimes you have to bite the bullet and do what you need to do, even if it hurts your plans. Better to get them fixed and delay paying off the CC, but to be safe.

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