It seems like right after I quit my job to turn my side-hustle into a full-time business…
All types of emergency expenses come up and bite us in the ass. If we didn’t have a emergency savings we would have been grass. Remember when my car battery took a crap? What luck!
So, what happened this time?
My husband Marc was being his little frugal mini me self and bought a needle and thread to repair a hole in is pants at about 12 AM.
While he took a break in the bathroom the cat jumps on top of our ottoman, swallowed a needle, and convulses on the floor – all of this in time for Marc’s return.
Thank God Marc caught him in the convulsing phase because a few minutes afterward Zeus was acting completely normal. We searched around for the needle in hopes that he may just be acting strange – a trait he gets from his parents.
No needle. Still acting 100% normal we went to the emergency vet hospital. They did an X-ray and…
To our unpleasant surprise he had a very large needle stuck between his esophagus and stomach. My poor, poor child.
And my poor, poor wallet. $3,000 worth of vet bills.
I know some of you are thinking… I would never spend that much on a cat. That’s a valid statement. However, what could you do instead?
A. Put him to sleep.
B. Hope he’ll pass it.
C. Watch him convulse while making a decision to have it removed.
None of these sound too humane to me.
So, we went ahead with the most affordable surgery option – they used a mechanical arm to pull the needle from his throat. How fancy? We thought about putting together money from our emergency savings to pay for it right there and then.
But decided it wasn’t a good idea.
That would leave us with almost no money in emergency savings and the thought makes me incredibly uncomfortable. So we settled with the Care Credit program.
Totally easy to sign up for no interest for 6, 12, or 24 months depending on your medical expense, income, and credit. This card can also be used on human health expenses.
I definitely prefer not taking out credit in most situations. Of course this is out of the ordinary.
Right now we have a cat walking around with dollar signs over his head. He’s licking his lips after a nice little snack of canned tuna.
And both of us could care less about the money, he’s alive!
The Lesson Here?
Before you take your hustle full-time and for life in general, you need emergency savings. No exceptions. Things will come up and you don’t want to have to worry about making ends meet.
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