Yesterday, my HVAC stopped working. I heard a loud screech and then just a buzzing sound. I turned the system off for about 10 minutes then back on and it just made that buzzing sound but never really kicked on. So, I shut it down and called my warranty company. I pay $29.95 a month for coverage on my HVAC and hot water heater. I can tell you that there have been times recently where I considered cancelling this coverage and using that $30 toward other bills. I am so glad I didn't! The motor died and needed to be replaced. I was his first stop this morning and within a couple of hours I was back up and running. Since I have the warranty, my cost was zero. I asked what this would have cost OOP and he said between $900 and $1000 dollars and that was a conservative estimate. In our condo's each unit has it's own HVAC system and owners are responsible for them.
I also had a dental appointment this week for a cleaning and a check-up. I've been having some sensitvity around a tooth that had already had a root canal and a crown put on it a very, very long time ago. I was dismayed to learn that the remaining tooth under the crown was in very bad shape and needs to be extracted, and replaced with an implant. My estimate after what my insurance will pay is about $2100 dollars. This will be paid from my emergency fund. Dental work is so expensive!
These type of expenses are why I am trying very hard to not dip into my emergency fund for everyday living expenses. I do not want to go into credit card debt to pay for emergencies.
This weekend I am having a few of my friends over for brunch. I will be making an egg and cheese quiche, and serving coffee and teas. My friends will all be bringing something, a fruit platter, juice and probably some muffins. Then we usually play some cards for a while and enjoy a fun few hours. We try and do this once a month and rotate who is hosting. It's a fun, low spend day!
July 25th, 2023 at 01:35 pm 1690292149
You're right about the dental work being expensive. At my last visit, they told me i have 2 cracked teeth, so eventually I'll be looking at a few thousand dollars for a crown(s). That would be the first time I've ever had any work done on my teeth aside from fillings, and NOT looking forward to it. So I chew carefully and try not to chomp down hard on anything.
Your brunch sounds like fun.
July 27th, 2023 at 05:48 pm 1690480113
July 30th, 2023 at 05:48 pm 1690739301
You aren't a kidding about dental costs. Egad! I realize they have to pay for their offices and things like that, but yowza is it expensive!