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Budget, Car All Equals Money

March 29th, 2018 at 12:15 am

I'm m trying to figure out how to get this Target credit card 💳 paid off by mid April. I've revamped the budget a 100x but I can only pay half the amount owed, about $350.

I'm so annoyed because, yesterday my car broke down, flat tire and this is the second nail I've picked up in the last week. I work over a hour away, I had to wait for the SO to come help me, and didn't get home until after 7pm. So today I ordered AAA, cost $100. I'm glad I had the money but annoyed that I had to use it. At least with this service I get a 100 miles of towing, and given that I work about 30 miles away, this is good. Not to mention, my car is 16 years old with over 220k miles.

Now that I think about it, I have to take a look at the budget again, to account for this $100 loss

I'd loved to have one month that Murphy doesn't visit

Posted in Auto, Debt | 5 Comments »

5 Responses to “Budget, Car All Equals Money ”

  1. crazyliblady Says:
    March 29th, 2018 at 01:45 am 1522287901
    1522287901

    I know you are on the DR plan, so you have an emergency fund. Why not use the emergency fund to pay for the flat tire repair and pay 1/2 of the credit card as planned? Or, you could take the cost of the repair out of the $350 and pay the rest to the credit card. There may be other options, too.

  2. Amber Says:
    March 29th, 2018 at 10:17 am 1522318623
    1522318623

    Hi CCF,

    The sinking fund was suppose to be set up for car repairs, but lately it appears as though every other week there's something that needs to be repaired. I'm going to take the money from the CC and pay $252 vs $352

  3. crazyliblady Says:
    March 29th, 2018 at 01:35 pm 1522330523
    1522330523

    I understand. And don't beat yourself up about it. I have an old car that has a 180K+ miles on it, too. It is about 20 years old, has oil leaks, coolant leaks, and power steering leaks. So, in order to survive and have a working car until I replace it, I check the fluids every week, usually on Sunday, and refill as necessary. I use oil for high mileage cars, Lucas oil stabilizer, and power steering fluid for high mileage cars. It helps a lot. And as annoyed as I am that I can't go out and buy a new car, I am so grateful that it runs pretty well considering all the problems. It probably sounds strange, but it's like the car knows when I am treating it well and responds in kind. LOL I am saving up to replace it.

    Oh, and buying the AAA membership seems like a lot the first time you buy it, but it is so worth it considering the cost of towing could be $100s. It has saved me many times.

  4. creditcardfree Says:
    March 29th, 2018 at 03:37 pm 1522337876
    1522337876

    That's good information crazyliblady that one can just keep adding fluids as a temporary thing to keep the car running until money is available for a repair or to replace vehicle. A good example of thinking outside the box!

  5. rob62521 Says:
    April 1st, 2018 at 08:08 pm 1522613301
    1522613301

    Good maintenance and the stick to it ness is paying off crazyliblady!

    Amber, you have been doing a good job at paying stuff off. Don't get discouraged because you can't get it all paid off as quickly as you wish.

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