I am little bit leery of writing this post now, as its the 11th – The month is not even half over, and already it’s shaping up to be the most expensive month I’ll have all year. This isn’t just because of christmas, but christmas does play a part of it. There have been quite a few other things that I’ve had to pay for that were totally unexpected. The amount ballooned again yesterday, when I had some other problems. I’ll give a list and an explanation for the extra spending that I’ve done (so far) this month.
The first thing that cost money (and probably more than it should have, but I didn’t get off my ass and make the required decisions soon enough) was a plane ticket. I’ll be leaving for christmas for a few (4) days, and I’ll be traveling back on my own so that I can return to work and keep my vacation time for sometime next year, when I’d like to use it. (This was a hard pill to swallow, as usually I pride myself on getting great deals from the airlines) Cost: 315
The next thing that was sort-of planned, but still costly was my hunting trip. I headed up north and west to Jackson, WY to go hunt up that way, and needed a place to stay. I was able to get a good deal on a fine hotel room (60/night) in what is apparently the down season of the resort. Unfortunately my hunt was unsuccessful (used a new gun and type of ammo) so there wont be nice elk meat around all year . It was good to hang out with my friends and get out of town for a little while, no matter how short.
Another thing happened yesterday as I was driving to work, my truck became unresponsive. I had to steer it to a side street and push it into a parking lot, where a tow truck picked it up. I’ve had a few problems with this before, and I’ve also written about how important it is to have a warranty. As luck would have it, I was exactly 102 miles over the limit for the bumper to bumper warranty on the car. After that awesome development, I was on the hook for whatever repairs that it required, which turned out to be electrical. I know enough about cars to consider myself more than the regular person, but after talking with the repair guy, it didnt really sound like something that I could fix. Something had rubbed through a casing on the wire, then touched it and shorted it out and blew a fuse. All in all though, I didnt have it too bad. I was able to leave the truck and go to work, and got my truck after I was finished working. It could have been much worse.
The last one, of course, is the usual suspect this time of year: Christmas. I’ll probably get hung by other PF bloggers for not having a christmas fund, but whatever. Typically I just cash flow out christmas and cut my spending in other areas (not difficult because of thanksgiving leftover to eat and many meals around christmas, so I don’t end up making as many trips to the store. I keep my list of people to buy for rather low, so it’s never a that big of a deal, but it is just more money that wouldn’t normally be spent in a regular month. I’m not completely done shopping, but I’ve gotten the majority of it done.
One that I’ve forgotten up until now is clothing. Typically, I dont budget money for clothing, because it will just end up getting used elsewhere – I just keep it out of the budget and save the money (or use it in my snowball). It works well most of the time, but every once in a while, I do need some new clothing (in this case, jeans). I did my preferred shopping method (go to the closet, find my favorite pair, then order 3 of the exact same thing from amazon). The whole process took about 5 minutes, but I did spend a bit of money on them. I’m occasionally one for the thrift stores, but I wear jeans every day of my life, and I like to have comfortable ones. Rack up another unusual expense!
When I wrote this, I had a feeling that I was writing it too soon, and more unexpected costs were going to pop up. Unfortunately, I was right, as I just discovered another one (that I’ll have to go and pay this afternoon) – my vehicle registration. Since I bought a new vehicle last year this was my first year paying registration on my depreciating asset, so I didn’t really save up monthly because I wasnt sure what the cost was going to be. About a month ago (or maybe more) I got the bill. It’s not that bad, but I’d rather not pay it just the same.
There’s one more thing that I may have to pay for this month that was unplanned, but that is currently TBD. It’s going to be an expensive month, and my debt snowball is unfortunately going to take a hit. Boo.
It seems like all of my unexpected expenses decided to show up this month – Have you ever had that problem? If so, what month and why do you think it was that way? How are you planning to spread them out over the year for next year (I’m working on it as well)
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