Author Topic: Unplanned spending  (Read 1833 times)

Roadrunner53

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Unplanned spending
« on: June 19, 2019, 12:01:47 PM »
Every month I think I can stay on a certain budget but unexpected expenses arise. For instance my dog has been sick for a year and has required lots of medical attention. Today I had to pick up two prescriptions, special dog food, urine and stool samples and that came to about $160. The other dog is on special prescription dog food too which was not an extra expense today but did cost another $38.00 for a case of food. Last month we spent over $500 at the vets office. UGH!

I don't begrudge spending money on my dogs but it is always something! What expenses have you had lately that you have no choice but pay for?

It is just life. You get a bonus check and miraculously something breaks down in the house that costs the amount of the bonus! It's like glad you had the money to fix the problem, but damn, it would have been nice to tuck it away and spend it on something fun or invest it!

Kris

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Re: Unplanned spending
« Reply #1 on: June 19, 2019, 12:13:56 PM »
Every month I think I can stay on a certain budget but unexpected expenses arise. For instance my dog has been sick for a year and has required lots of medical attention. Today I had to pick up two prescriptions, special dog food, urine and stool samples and that came to about $160. The other dog is on special prescription dog food too which was not an extra expense today but did cost another $38.00 for a case of food. Last month we spent over $500 at the vets office. UGH!

I don't begrudge spending money on my dogs but it is always something! What expenses have you had lately that you have no choice but pay for?

It is just life. You get a bonus check and miraculously something breaks down in the house that costs the amount of the bonus! It's like glad you had the money to fix the problem, but damn, it would have been nice to tuck it away and spend it on something fun or invest it!

Mr. Kris went to the dentist last week. Found out he needs two crowns. He came home yesterday from his appointment with a credit card receipt for $985. Ugh.

Moral of the story: never go to the dentist. ;)

 

v8rx7guy

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Re: Unplanned spending
« Reply #2 on: June 19, 2019, 12:20:11 PM »
Sinking funds can really help smooth out the impact of "unexpected" expenses.  For pets, in addition to budgeting for food/flea treatments/etc., we set aside $50/mo into a sinking fund for if the ever get sick and need to visit the vet, capped at $1,000. 

That being said, we've had two really annoying unexpected home maintenance costs that we've had this year, taking down two of our beautiful (but problem) trees in the backyard to the tune of $2,600 and a our refrigerator losing it's R134A charge and needing replacement.  Fortunately we have a "major house" sinking fund, but that got tapped out and we dipped into our emergency fund for a portion of these costs.

wenchsenior

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Re: Unplanned spending
« Reply #3 on: June 19, 2019, 12:48:34 PM »
When I first started budgeting, I called these our "regular irregulars".  It's always something, but never the same thing twice.  In our case I figured out after watching and measuring our expenses for about six months that these turned out to be about 25% of our monthly expenses.  I also got a good gut feel as to how "lumpy" they were.  In our case, I figured out that they evened out over a six month time frame.

Two comments:

1.  If you really want to build a buffer, then you have to account for them.  If your paycheck is $2000 a month and your regular fixed monthly expenses are $1900 a month, then you're skating on thin ice.  These "regular irregulars" are going to consume that $100 buffer and then some.  You may have to cut back on your regular fixed monthly expenses to $1300 a month or something like that.  To figure out what that $1300 number is in your case, you'll have to track for six months and then do the math.  Translation:  If you want to build a buffer, you may have to downgrade your lifestyle.

2.  There's always, always a choice.  If you feel you have no choice, it's because it's something you value strongly (dogs, in this case).  The question to examine closely is do you value that thing (dogs and complaining about tight budgets) more than the alternatives (a buffer created by a lifestyle reduction or an income increase).

Regular irregulars!  That's a good one.

This past 2 months have whomped us with them. Fridge went out (but gradually so we lost a bunch of the food before we realized). It was Labor Day sale (good), and our dishwasher is also on its last legs (20+ years old, actually falling apart, not washing properly), so we went ahead and ordered a dishwasher as well.  Just unexpectedly got a new rescue kitten, so approx. 1,000$ over the first 2 months between vaccinations and spay surgery.  Then had to bribe some friends to take 2 other rescue feral kittens, to the tune of $500 for THEIR vaccinations.  Then the new kitten bent/broke my thumb drive that has data on it that I want, and so far I've been quoted prices over 1,000$ to get it back (still looking into this, so who knows what I'm actually going to end up paying, see other thread).

So that's, what...~2700 + indeterminate computer repair amount...

And now my mother reports that the ancient fence at our beta house (where she lives) has finally fallen over, so we have to suck it up and replace at least half the fence.  But first, we need an arbor-ist to deal with trees on the fence-line. I'm guessing the total beta house bills will be ~5K by the time that's all over with. Probably 10K if we replace the entire fence.

Last year was a relatively low-spend year for us. We're making up or for it all in May and June. :sigh:

Roadrunner53

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Re: Unplanned spending
« Reply #4 on: June 19, 2019, 12:57:29 PM »
Oh, that reminds me we had some tree work done here to the tune of $1,200 a few months ago. After that work was done we realized we should have had some pine trees taken down due to them dying a slow death. So we had the tree guy come back again and he gave us an estimate of $750. He will be back soon to cut them down. We also lost an upright freezer early in the year and luckily we managed to save all the food but had to spend almost $1,000 to replace it.


Freedomin5

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Re: Unplanned spending
« Reply #5 on: June 19, 2019, 04:34:37 PM »
Thatís true. Using words like ďhad toĒ and ďneed toĒ makes it sound like it is an external locus of control, when in reality, very few things are like that. We always have a choice, and it is helpful to take ownership of our choices.

Recently, we had to pay over $1000 for a flight back to our home country, because FIL had major surgery, and we donít know how much longer he has on this earth. Even then, itís a choice based on our relationship to him and desire to see him possibly for the last time. So really, we didnít HAVE TO do anything, but we WANTED to pay for the flight.

We have also spent around $600 on furniture (3 sofas, office desk, 3 beds) for our new apartment. Did we have to spend that money? No. We could have chosen to sleep on the floor and to live in an empty apartment. But we wanted to have a comfortable place where we can relax at the end of the day and show hospitality to friends (hence the splurging of $100 on a third sofa and $80 on a bed for the guest bedroom). Even in this situation, we could have gone with all new furniture, but we chose to buy used as much as possible. We are also choosing to not own a pet (even though our friend is willing to give us one of their two dogs for free).

All of this spending is irregular, but Iím very aware that they are all based on our own choices because there are some options we are not willing to consider (like eating off the floor due to lack of a table).

wenchsenior

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Re: Unplanned spending
« Reply #6 on: June 19, 2019, 07:40:23 PM »
...we went ahead...

Then had to...

...we have to....

...we need...

...we should have...

...but had to....

There's always, always a choice.  If you feel you have no choice, it's because it's something you value strongly (dogs, in this case).  The question to examine closely is do you value that thing (dogs and complaining about tight budgets) more than the alternatives (a buffer created by a lifestyle reduction or an income increase).

Editing and bolding by me.

Yes, obviously.  We COULD go without a refrigerator and eat out of the cupboard, leave my mom's fence broken, and not have adopted the kitten.   I assumed this was sort of a 'bitch' thread. ETA: We have plenty of money to cover all these unplanned expenses even if we had another year of them. 

Roadrunner53

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Re: Unplanned spending
« Reply #7 on: June 20, 2019, 04:00:19 AM »
Let's not make this a blame game. Coulda, shoulda, woulda. Let this thread be 'fun' and just discuss how life gets in the way. Just when you thought you could put some money to work for you, 'life' came along, slapped you in the face, and said "hey buddy, we see you have an extra $1,000, let's see what we can spend it on rather than save it".

Yes, there are always choices, but obviously if we spent the money we chose to spend it. Most of us know how to spend wisely or within our means.

Linea_Norway

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Re: Unplanned spending
« Reply #8 on: June 20, 2019, 06:51:22 AM »
We all choose a life style with a certain number of assets (spouse, kids, home, car, pets), based on our personal values. And in general, the more you own, the more that can generate unexpected expenses. Such is life.

We recently had 2 small punctures in the windows of 2 cars. This is caused by gravel against the window and is very common in Norway. Our main car is all risk insured and that includes repair of window punctures by gravel. The other car is only very basically insured and that does not cover a puncture. As we only drive a few thousand km with that second car, we haven't bothered to repair the window yet. But I wonder whether we should do it anyway, as it might lead to a bigger crack. = extra unexpected expense, caused by some other car.

Roadrunner53

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Re: Unplanned spending
« Reply #9 on: June 20, 2019, 07:38:55 AM »
Linea, these are the questions we all have and sometimes we have to make decisions due safety too. We cut the trees and trimmed some due to the fact that some were getting too close to the electric line out by the road. If we had a storm and the tree fell due to the fact that it was cracking in half vertically, then we could be responsible to pay for the repair. Then, in the end, it would have been a bigger expense than it was to begin with.

I always say people can afford the mortgage on a home but it is the unknown or unplanned expenses that kill you. Especially when buying your first home. All the lawn equipment, snowblowers, shovels, gardening tools. The list goes on and on.


wenchsenior

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Re: Unplanned spending
« Reply #10 on: June 20, 2019, 08:57:04 AM »
Let's not make this a blame game. Coulda, shoulda, woulda. Let this thread be 'fun' and just discuss how life gets in the way. Just when you thought you could put some money to work for you, 'life' came along, slapped you in the face, and said "hey buddy, we see you have an extra $1,000, let's see what we can spend it on rather than save it".

Yes, there are always choices, but obviously if we spent the money we chose to spend it. Most of us know how to spend wisely or within our means.

Two of my best examples:

College.  Husband got an unexpected side gig that netted him about 2500$ (a LOT for college students in the '90s) for a couple weeks of work.  The week he got paid, the transmission on our only vehicle went out.

About 10 years ago, husband won an unexpected performance award of about 1500$.  The very same week, his falconry bird broke a leg in a freak accident, requiring specialized vet bills of about 1700$.  The hawk was fine a month later, but it was so unusual an injury for a falconry bird!  If they need vet care it is usually for something like frounce, West Nile, bumblefoot, cactus spines embedded b/c they rocketed into cacti after a rabbit, etc.  Broken legs? Not common.

I'm sure there's more....

Roadrunner53

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Re: Unplanned spending
« Reply #11 on: June 20, 2019, 09:20:09 AM »
Many years ago I was laid off from a job that I had for 10 years. When I left, I was able to take my sick pay and they gave us all a small severance package. This was about February. Several months later I still had no job and we noticed septic smell in our yard. Sure enough, our septic system was failing. Wouldn't you know it, the amount to replace the septic system was about the amount I got from my severance/sick pay. Trust me...I cried my eyes out on that one. But the alternative of not having any money to fix the problem would have been worse. UGH! Talking about kicking a man when he is down!

Tris Prior

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Re: Unplanned spending
« Reply #12 on: June 20, 2019, 11:36:43 AM »
Broke a big chunk off of a tooth yesterday. Last time this happened, I needed oral surgery, which ran a couple thousand dollars after insurance. Definitely wasn't planning on that!

I suppose I could choose to run around indefinitely with a big jagged-edge chunk of molar missing, but last time I put off getting it fixed and it got infected and horribly painful, so that doesn't seem wise. (I would've needed the previous oral surgery regardless of how long I put off care, due to the nature of the break.)

HipGnosis

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Re: Unplanned spending
« Reply #13 on: June 20, 2019, 11:56:09 AM »
I've never had an "emergency fund".  I've always had a 'life fund'.
Emergencies may happen, some day.  Life happens.  Often.

I drove out in the countryside and stopped to take some pictures.
When I got home, I took off my sunglasses and went to put on my eye glasses - but they weren't in my shirt pocket! I had bent over for a 'good' perspective / composition for one pic.  The glasses could have fallen out...  I went back.  Found the glasses... which had been run-over.
I found out that Zenni.com has a 're-order' button (COOL!).   I paid $10 for expedited shipping.

AnswerIs42

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Re: Unplanned spending
« Reply #14 on: June 20, 2019, 01:18:26 PM »
Broke a big chunk off of a tooth yesterday. Last time this happened, I needed oral surgery, which ran a couple thousand dollars after insurance. Definitely wasn't planning on that!

I suppose I could choose to run around indefinitely with a big jagged-edge chunk of molar missing, but last time I put off getting it fixed and it got infected and horribly painful, so that doesn't seem wise. (I would've needed the previous oral surgery regardless of how long I put off care, due to the nature of the break.)
Ugh... are you me? I just did the exact same thing yesterday. Suppose I'd better go see a dentist sometime :(

Roadrunner53

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Re: Unplanned spending
« Reply #15 on: June 20, 2019, 01:39:26 PM »
Hahaha, another tooth situation here, spouse broke a piece of tooth last week and couldn't get an appointment till July! More $$$.

Tris Prior

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Re: Unplanned spending
« Reply #16 on: June 20, 2019, 02:11:13 PM »
My co-worker who sits next to me ALSO broke a tooth yesterday and no, we were not eating the same office food or anything! Tis the season?
I was able to get in early next week, but NOT looking forward to the bill. $$$$$

Steeze

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Re: Unplanned spending
« Reply #17 on: June 20, 2019, 09:00:35 PM »
Moved to new apartment, couch didnít fit through the door. $700 later I have a new futon. I splurged on the hardwood frame, DW insisted on the nicest mattress. Now my couch is super comfy and doubles as a guest bed.

middo

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Re: Unplanned spending
« Reply #18 on: June 20, 2019, 10:06:11 PM »
We have a bit of this type of "lumpy" expenses.  Travel is one, which is a clear choice we make.

Another is our daughter who plays sport.  She plays at a high enough level to be selected to represent her state at national championships.  But she plays a sport that does not earn $, so we pay the costs.  Last fortnight we paid $2000 for this years nationals, she contributed $600.  As a uni student, she wouldn't go if we didn't help her.

We could say no, but I'm not going to do that to her.  Again choices.

calimom

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Re: Unplanned spending
« Reply #19 on: June 20, 2019, 10:30:35 PM »
I budget pretty well and just got notification of an increase in my homeowner's policy because of all of a sudden living in a "wildfire urban interface zone". Yes. I did evacuate my family last year, but I have also had this policy for over a decade with no claims. Going insurance shopping, but may find similar answers elsewhere so this will likely fall into the category of unplanned spending.

Malkynn

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Re: Unplanned spending
« Reply #20 on: June 21, 2019, 04:02:08 AM »
Owning things is expensive.

In the past seven years, my house had needed the following replaced
-furnace
-hot water tank
-air conditioner
-electrical panel
-fridge
-stove
-washer
-dryer
-toilets
-stair carpet
-kitchen counter and sink
-outside doors
-roof
-front entrance concrete

None of these was an optional replacement, every one was critical.
Throw in 4 pets, and we just expect "unexpected" large bills.

OtherJen

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Re: Unplanned spending
« Reply #21 on: June 21, 2019, 06:31:30 AM »
Yes, owning things is expensive. In the last 5 years, we've had the following unplanned or semi-planned expenses. It's life.

*A new roof because old roof had several small leaks and shingle damage
*New water heater because old one corroded and leaked all over the laundry room
*New furnace because old one died on a very cold day after limping along with repairs the previous few winters
*Significant vet bills for a pet with treatable cancer
*New bathroom because of water damage
*New flooring to replace damaged carpet
*New-used car because a replacement powertrain was loads more expensive than my old car was worth

Malkynn

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Re: Unplanned spending
« Reply #22 on: June 21, 2019, 06:44:05 AM »
^

Ah yes, we needed a new used car as well, and then the new used car needed a new starter the first year despite only being 3 years old and being a Corolla. The mechanic said he wasn't sure he had ever had to replace a starter in a Corolla. 

Roadrunner53

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Re: Unplanned spending
« Reply #23 on: June 21, 2019, 06:46:09 AM »
Same here since 2013:

New roof
New deck
New vinyl siding
New gutters
New boiler
New hot water tank
New freezer
New dishwasher
New retaining wall
Repair of existing sidewalks
New dryer
New ductless ac unit

Yep, life happens. Dishwasher and freezer had to be replaced within 3 weeks of each other.

Yes, we chose to fix and/or replace due to age or broken conditions. No, I am not going to go without a dishwasher!


FIREstache

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Re: Unplanned spending
« Reply #24 on: June 21, 2019, 07:39:44 AM »
Owning things is expensive.

In the past seven years, my house had needed the following replaced
-furnace
-hot water tank
-air conditioner
-electrical panel
-fridge
-stove
-washer
-dryer
-toilets
-stair carpet
-kitchen counter and sink
-outside doors
-roof
-front entrance concrete

None of these was an optional replacement, every one was critical.
Throw in 4 pets, and we just expect "unexpected" large bills.

Most of that looks like my "to do" list for the next few years plus some additional things.  I've put off some of these things longer than I should have, and I figure some will "surprise" me anytime for more immediate repairs/replacement.  I account for pending expenses of about $30K right off the top of my stash for these items.  I also budget some every month for these variable long term expenses, although I don't keep it in a separate fund.  I do the same thing with car maintenance and future car purchase budgeting.

Freedomin5

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Re: Unplanned spending
« Reply #25 on: June 21, 2019, 10:21:25 PM »
You all are making me want to own fewer things and become a minimalist. That will be a challenge as we are moving to a new apartment that is twice the size of our current apartment, and one friend has already commented that we will need to "buy more things so our apartment doesn't look so empty".

Dicey

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Re: Unplanned spending
« Reply #26 on: June 21, 2019, 11:50:17 PM »
Every month I think I can stay on a certain budget but unexpected expenses arise. For instance my dog has been sick for a year and has required lots of medical attention. Today I had to pick up two prescriptions, special dog food, urine and stool samples and that came to about $160. The other dog is on special prescription dog food too which was not an extra expense today but did cost another $38.00 for a case of food. Last month we spent over $500 at the vets office. UGH!

I don't begrudge spending money on my dogs but it is always something! What expenses have you had lately that you have no choice but pay for?

It is just life. You get a bonus check and miraculously something breaks down in the house that costs the amount of the bonus! It's like glad you had the money to fix the problem, but damn, it would have been nice to tuck it away and spend it on something fun or invest it!

Mr. Kris went to the dentist last week. Found out he needs two crowns. He came home yesterday from his appointment with a credit card receipt for $985. Ugh.

Moral of the story: never go to the dentist. ;)
That's cheap for two crowns!

Linea_Norway

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Re: Unplanned spending
« Reply #27 on: June 22, 2019, 01:22:17 AM »
You all are making me want to own fewer things and become a minimalist. That will be a challenge as we are moving to a new apartment that is twice the size of our current apartment, and one friend has already commented that we will need to "buy more things so our apartment doesn't look so empty".

You also have the chance to create more empty space in your apartment. That can give a lot of mental freedom.

A true minimalist, living in a rental, without a car and without children and pets, would have much fewer unexpected expenses.
« Last Edit: June 22, 2019, 01:23:54 AM by Linea_Norway »

Bloop Bloop

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Re: Unplanned spending
« Reply #28 on: June 22, 2019, 03:08:21 AM »
My professional indemnity insurance went up $2k this year. Considering I don't even want it (I'd rather take my chances) and I have to get it only because it's forced upon me, I was pretty annoyed.

Kris

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Re: Unplanned spending
« Reply #29 on: June 22, 2019, 07:52:38 AM »
Every month I think I can stay on a certain budget but unexpected expenses arise. For instance my dog has been sick for a year and has required lots of medical attention. Today I had to pick up two prescriptions, special dog food, urine and stool samples and that came to about $160. The other dog is on special prescription dog food too which was not an extra expense today but did cost another $38.00 for a case of food. Last month we spent over $500 at the vets office. UGH!

I don't begrudge spending money on my dogs but it is always something! What expenses have you had lately that you have no choice but pay for?

It is just life. You get a bonus check and miraculously something breaks down in the house that costs the amount of the bonus! It's like glad you had the money to fix the problem, but damn, it would have been nice to tuck it away and spend it on something fun or invest it!

Mr. Kris went to the dentist last week. Found out he needs two crowns. He came home yesterday from his appointment with a credit card receipt for $985. Ugh.

Moral of the story: never go to the dentist. ;)
That's cheap for two crowns!


That is what we owed after insurance, just to be clear.

Dicey

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Re: Unplanned spending
« Reply #30 on: June 22, 2019, 09:21:22 AM »
I wondered about that. Many dental insurance plans have relatively low annual caps and a single crown will cause you to hit the limit, so the second one is totally out of pocket. Looks like your coverage might be better than average.

use2betrix

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Re: Unplanned spending
« Reply #31 on: June 22, 2019, 10:20:59 AM »
Things always come up. Itís life. The more you simplify the life, the less things should come up (health can be a mixed bag, however there are ways to mitigate risk and reduce costs). Iíve had several surgeries over the years, my wife just had one, some expensive vet bills, repair bills, etc.

I look at most of it like the price of gas.. You can either do something (like walk, ride a bike, public transport) or you can just understand that you arenít interested in the options and move on. I rarely even pay attention to the price of gas anymore. I work 15 miles away on a 2 lane country road with no shoulder and 65 mph speed limits, and usually get there while itís still dark. I know Iím not going to walk or bike. Why let things I have absolutely no control get to me?

Iíve had times where sometimes itís one thing after the other, but I seem to forget about it pretty quick. Again, the more you simplify your life, the less these things happen. Pets can be expensive. The trade off is either worth it, or itís not. Same with certain vehicles, certain homes, living arrangements, etc.

Freedomin5

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Re: Unplanned spending
« Reply #32 on: June 26, 2019, 06:13:39 PM »
You all are making me want to own fewer things and become a minimalist. That will be a challenge as we are moving to a new apartment that is twice the size of our current apartment, and one friend has already commented that we will need to "buy more things so our apartment doesn't look so empty".

You also have the chance to create more empty space in your apartment. That can give a lot of mental freedom.

A true minimalist, living in a rental, without a car and without children and pets, would have much fewer unexpected expenses.

We are both committing to anti-consumeristic anti-materialistic thinking...though I donít know if we will ever ďarriveĒ at true minimalism. Itís probably more a process than a destination. We live in a rental (the only reason we are moving to a larger one is because the larger one is free provided by work, while our smaller one is something we pay for ourselves). We donít have a car. We donít have a pet (unless you count the pet bugs DD likes to bring home in empty water bottles). Sheís currently the proud owner of a pet grasshopper, slug, and potato bug.

Itís true. The fewer things you own, the fewer things you need to be responsible for.

hudsoncat

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Re: Unplanned spending
« Reply #33 on: July 03, 2019, 06:56:12 AM »
My partner got a promotion! The pay increase is nice. The fact that it will likely necessitate us becoming a two car family... less so.

New role includes a lot of travel (company paid) but the nearest airport is 1.5 hours away. We're trying to figure out now if we can remain one car with a combo of my taking him to the airport/my being without a car some weeks, but we live in an area with no public transportation (I think we have one Uber in town, but he isn't on the clock...) and while I like/ride my bike a lot, but no access to a car while alone concerns me.

On the plus side, if we do go the second car route (where we lean at the moment), husband is fine with something super cheap since it'll basically drive to/from the airport and sit in a lot.

Roadrunner53

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Re: Unplanned spending
« Reply #34 on: July 03, 2019, 07:25:33 AM »
My partner got a promotion! The pay increase is nice. The fact that it will likely necessitate us becoming a two car family... less so.

New role includes a lot of travel (company paid) but the nearest airport is 1.5 hours away. We're trying to figure out now if we can remain one car with a combo of my taking him to the airport/my being without a car some weeks, but we live in an area with no public transportation (I think we have one Uber in town, but he isn't on the clock...) and while I like/ride my bike a lot, but no access to a car while alone concerns me.

On the plus side, if we do go the second car route (where we lean at the moment), husband is fine with something super cheap since it'll basically drive to/from the airport and sit in a lot.

Have you checked out limo service to and from the airport? In my area I would have to drive about 18 miles to a larger city, park my car in a specific hotel parking place for limo passengers, then the limo makes a few stops to pick up more passengers then goes to the airport. The company should pay for that. Maybe when you get in a bind, you could rent a cheap car for a week, like $159-$199. That way you would have to spend money but not buy a car.

hudsoncat

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Re: Unplanned spending
« Reply #35 on: July 03, 2019, 08:41:42 AM »

Have you checked out limo service to and from the airport? In my area I would have to drive about 18 miles to a larger city, park my car in a specific hotel parking place for limo passengers, then the limo makes a few stops to pick up more passengers then goes to the airport. The company should pay for that. Maybe when you get in a bind, you could rent a cheap car for a week, like $159-$199. That way you would have to spend money but not buy a car.

There is no service to and from the airport from our rather small town unfortunately. The closest one of those would still require driving at least 45 minutes. The company will cover mileage to/from the airport, I expect they'd cover the shuttle service. We are still considering trying with just one car (and will initially), but with him traveling at minimum 3 weeks out of the month, I expect that to get old fast. The nice thing for us if we get second car is a brother who buys wrecked cars on the side and fixes them. He expects he can get us into a 'good enough' car for about $1000-$1500. We're certainly more worried about reliability than age/looks/amenities/etc. 

We'll see! Brother-in-law is keeping an eye out for the 'right' car. In the meantime we're going to make it work with one car and maybe we'll find it isn't as hard to manage as we think. It's been surprisingly easy to manage in the 6+ years we've had only one between bikes and the occasional ride from a friend/co-worker. Such a good feeling to know we could go pay cash for a much nicer car, but I'm still resistant to having two if we can help it!

Linea_Norway

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Re: Unplanned spending
« Reply #36 on: July 03, 2019, 10:18:33 AM »

Have you checked out limo service to and from the airport? In my area I would have to drive about 18 miles to a larger city, park my car in a specific hotel parking place for limo passengers, then the limo makes a few stops to pick up more passengers then goes to the airport. The company should pay for that. Maybe when you get in a bind, you could rent a cheap car for a week, like $159-$199. That way you would have to spend money but not buy a car.

There is no service to and from the airport from our rather small town unfortunately. The closest one of those would still require driving at least 45 minutes. The company will cover mileage to/from the airport, I expect they'd cover the shuttle service. We are still considering trying with just one car (and will initially), but with him traveling at minimum 3 weeks out of the month, I expect that to get old fast. The nice thing for us if we get second car is a brother who buys wrecked cars on the side and fixes them. He expects he can get us into a 'good enough' car for about $1000-$1500. We're certainly more worried about reliability than age/looks/amenities/etc. 

We'll see! Brother-in-law is keeping an eye out for the 'right' car. In the meantime we're going to make it work with one car and maybe we'll find it isn't as hard to manage as we think. It's been surprisingly easy to manage in the 6+ years we've had only one between bikes and the occasional ride from a friend/co-worker. Such a good feeling to know we could go pay cash for a much nicer car, but I'm still resistant to having two if we can help it!

Buy a second car like our's. In 2012 I bought a 10 year old suzuki Ignis with low-medium mileage. Still running fine 7 years later. We only use it for short drives to the train station. Very little maintenance. Only basic insurance.