Remember the WHY

The problem of buying things you need is that you can’t buy things that you want.

It seems that I want a lot of things.

That is the dilemma that I am facing as my stove saga drags on. Basically, my stove broke and we thought that we would be able to fix it. However, after a visit from a stove guy and a guy from the gas company, we are facing the realization that it may not be worth it to fix the 10-year old stove and instead we may have to replace it.

Yes, we have a “Life Happens” Fund.

We are lucky enough to have the money to pay for a new stove without having to put it on the credit card but that means that the money will have to come out of another fund- money that is earmarked for something else. It doesn’t really matter what the money is earmarked for; we have money put aside for clothes, maternity leave, baby stuff or our 3-6-month emergency fund. Once we are past the amount set aside for “Life Happens” then tough choices have to be made.

Making the Deep Cuts.

The problem with living on such a tight budget is that there is not much in the budget to cut out. I have been very open before about our low-income and tight budget. Honestly, I am more frugal than I even usually let on here. You know that we have only taken a vacation once in the past 7 years but did you know our entertainment budget is approximately $4 a month? I buy myself books from the 25 cent rack of the local bookstore and my kids occasionally are allowed to puck something out from the dollar store. We also get a drink from the gas station every few months- that is the extent of our “Eating Out” budget. I am saying this not to get pity or sympathy but to explain why “cutting something out” is not really an option and when I have to cut something- it’s a deep cut that hurts. Really hurts.

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