Melanie vs. The Spending Diet – Update

spending diet emergency andthenwesaved.com

Melanie is sharing her Spending Diet adventures with us, and she’s got her August update for us below. – Anna

If you remember, I went over last month’s spending diet allowance. It was so much harder than  I imagined! In August, I committed to do better. I immediately took my $100 cash allowance out of the bank when I was paid and I stuck to it. But lo and behold, we had an emergency. Our air conditioning system stopped working on one of the hottest days of the year. And when you live in a tin can in the South, going without air conditioning is not an option.

Don’t emergencies always seem to happen at the most inopportune moments? Just when you think you’re doing better saving (or in life) BAM! something comes along to knock you down. Luckily in the past year, George and I have managed to get an emergency savings fund together. I consider 95 degree heat an emergency, so we had to dip into the emergency savings to fund a new air conditioning system. I really hated to do it, but I can’t sleep in that kind of heat, my husband can’t work and my poor pup was just plain uncomfortable.

I did experience some buyer’s guilt. I thought things like: “People for thousands of years went without air conditioning!” “It’s already August, it will be fall soon. We will only have to suffer for another month!” “I can’t spend $300 on a new air conditioning system, I’m on the spending diet!!!” But after a few days without air conditioning, I was whistling a new tune and I was ready to dip into those savings. Let’s just say that sweating immediately after stepping out of the shower is not a fun experience.  I’m not happy about it, but sometimes life is going to get in the way of a savings diet or savings fast. I just feel lucky that we had an emergency savings account to dip into.

Next month I plan to sell a few things in order to build my emergency savings account back up. I also signed up to teach a class for extra pay and for the first time ever, I’m receiving a small raise. (High fives for me?!) I know that I can get back on track with my savings but emergencies, man, they are really cramping my savings style!

 

How do you build your savings back up after an emergency? Let me know in the comments! 

16 comments

in Do Without, Paying Off Debt, Spending Diet
10 Very Good Reasons to Get Renter’s Insurance

10 reasons to get renters insurance andthenwesaved.com

Many renters think a benefit of not owning a home is skipping out on the costs of insurance. However, as a renter, insurance should still be a consideration. One incident such as a fire or a burglary could seriously jack up your financial life. There’s no reason for that kind of stress when it’s really a pretty inexpensive thing to get considering all the peace of mind you’ll have in return. Trust me, after our recent car theft I am thinking about how awesome insurance is these days!

 

10 Way Good Reasons to Get Renter’s Insurance…

Read More »

14 comments

in Practical Solutions, Take Action, Things To Do
Can We Want What We Already Have?

can we want what we already have andthenwesaved.com

I’m just gonna go ahead and leave this here. A little something  to think about.

Is the grass always greener? Is it possible to have enough? What is it that makes us want more, more, more?

7 comments

in Motivation
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

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