Friday, October 29, 2010

Financial responsibility, how about that?

How many people do you know out in the world that now has learned that it is important to be more money-wise?
I would think that somehow this time in all of our lives the horrors surrounding us has taught more than just a few how to manage their bank accounts and bills with maturity by realizing without a roof over their heads, electric, water and phones that life would NOT be the same, and so we all took that assertion to pay all necessities first! Although, we always did; it’s just how I roll, sorry!
Oddly enough we had been one of the few that we heard about who had the dumb luck out of necessity of having scaled down before all this crummy stuff occurred.
Twelve years ago when I knew that my physical problems were not going away anytime soon we moved into this little home of ours, and of course we saw its potential and were fortunate to have had the ability at the time to begin the renovations and as most of you know Hurricane Charley helped us finish it all differently but with a new beginning on a old home built in 1958! Our cute two /two with garage, workshop on a saltwater canal lot with a pool, docks, covered patio and fish pond too, not to mention sheds that match our cute little stucco cottage in Navajo beige!
As I said dumb luck, well not totally being hit by a hurricane is no luck at all but you get the point.
Fortunately, we were insured on our home, our year old new boat, and three year old car at the time and so all was fine after.
The car oddly enough was in the garage when Charley hit and had hardly any damage, not enough to claim anyway. But our home was destroyed and had over eighty thousand, and our year old boat had forty-five hundred dollars in damage according to the insurance appraiser who was here within days, much faster than the homeowner’s insurance guy who came after six weeks and spent two days driving us crazy even though I was smart enough to have taken before and after pictures, and I recommend them highly to anyone who lives in any natural disaster area of the world! As they say a picture is worth a thousand words, and it was true.

Today was our electronic receiving of my Hubby’s pension, Social Security comes next week. This month, November, was a tight month coming up, since our car insurance and also our registrations for the car, boat and trailer were all due too besides our regular bills!
And so last month I made sure to try and save for these things and we cut back on some of our usual entertainment of eating out and wine consumption and with Hubby also not smoking now it wasn’t too difficult and I am proud to say that all bills due this coming month have been paid! What a feeling of peace of mind. And Hubby with monies left over for the month from this check and more coming with the other we felt confident that we had a green light to buy a couple of bottles of wine for the weekend!
I will be needing to start saving again though since our homeowners and flood insurance may be going up we think because the insurance company has requested a ten per cent increase, not to mention that our taxes went up although the value of our home went down; now does that sound fair? But that won’t be until this coming December, I know the holidays…
I do know that it is not that unusual about our home’s value going the wrong way, because I have been told that it has been happening all over the country!
And doesn’t all misery love company?
Nah, that’s a fallacy!
Whoever said that was not chronically or critically ill or in financial straits I bet!
Ask anyone if they would want someone to be in their same position as the above mentioned and realistically no one would!

On that voice of compassion I will bid you all a very happy good night and ask you to please count all your blessings and share those overages and we will too!

And please next time be here or be square, OK?

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