Good morning! I hope your day is starting off nicely.
Well, the verdict is in. Our washing machine has a faulty RF line filter. Unless you’re into electrical stuff, that means nothing. In layman’s terms, it’s fried. And it may or may not be my fault. That all depends who’s paying the bill. I say it was defective, but the manufacturer may have other ideas. All I know is that repairman sure knows his stuff. And the bill reflects it. $523 just to tell me it’s broken. Wow.
The good news is we can get it fixed. Next week. Which means all the dirty clothes that were in it are back in the closet. The nice thing about camping is that people don’t notice smells quite as much. That’s probably due to the multitude of odors that are so prevalent in campgrounds. Like the smell that hit my wife’s nose when I emptied our tanks this morning. Phew! By comparison, I smell fine.
Yes, we’ll have to find a laundromat today. Always have a plan B, right? And a little extra in the bank, because none of these things are cheap. A friend once told me that emergencies have no regard for your dreams, but they know exactly how much you have in savings and the estimate will always come in just a little higher. Can I get an amen?
Thankfully, we’ve got this one covered. Ten years ago, a similar repair would have brought us to our knees. A recent survey revealed that only 39% of adults could afford an unexpected $1000 expense. And for many of them that expense would wipe out their savings completely. Well, guess what? With $250 “service fees” and labor at $135 an hour, you can blow through $1000 in an instant.
Financial experts suggest we should have enough money in savings to cover 3-6 months of living expenses. We’ve all heard that, and we’ve all said the same thing. “On what planet???” You might as well tell us to grow wings and fly. Sure, that looks good on paper. But when you’re barely making ends meet, it’s a little hard to fathom.
Yet, when you ask people why they don’t make more, they pretty much say the same thing … “If I knew how, I would!” Okay, so let me show you how. “Well, yeah, but I don’t have the time for something like that. I’m too busy already. And my brother-in-law said his neighbor’s cousin tried something similar and failed. Besides, I’m up for a cost-of-living raise in a few months. We’ll be fine after that.” Really?
Thankfully for some people, excuses are cheap. Otherwise, they’d go broke just telling you why they’re going broke. If $10 were deducted from their bank account every time they uttered a lame excuse, they’d be overdrawn by dinnertime. And then they’d whine about the overdraft charges. When, all along, they could have used the same amount of energy to actually fix the problem.
You can make money or make excuses – but you can never do both. I didn’t dream that one up. It’s been around a while, but it’s as true today as ever. And sooner or later, we all have to answer this question – which one will make your life better? Which one will make the problems go away? Excuses may buy you some time, but sooner or later you’ll have to pony up. Or give up. It’s your life.
You know one thing you almost never hear? “I make enough – I don’t need any more.” We ALL need more. Things can change in an instant, and what we know today may not be what we’ll live tomorrow. And even if things don’t change, is there nothing else in life you want that you don’t already have? “Sure, if I had the money!” Seems this is right where we started.
We all think our situation will change with time, but it never works out that way. Pay off the car, and it needs repairs. Pay off the house, and the kids are headed to college. Pay off college, and the kids are having grandkids. Get a promotion, and your property tax goes up. Get all that under control, and it’s time to retire. You know, on half-pay (if you’re lucky). And that’s when the medical bills get real.
The question is, what will you do about it? Will you fix the problem, or spend your days in a rocking chair explaining that it’s the best chair you can afford? There are dozens of ways to make more money, and just as many excuses for why you can’t. Take control now, and you won’t need those excuses. Open your mind, and you may find the answer right there waiting for you.
Money can’t fix everything, and there’s something to be said for enjoying what we have. But sooner or later, you’ll need more. We all do. Fix the problem today, and you won’t even have to think about it tomorrow.
That’s all for now. Have an awesome day!
© 2021 Dave Glardon – All rights reservedFollow @dglardon