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Home > Another One?? Sigh

Another One?? Sigh

April 13th, 2019 at 02:14 pm

So ... we aren't even done dealing with the aftermath of DH's accident in August? and he's done it again.

Our insurance rates already nearly doubled and he had to find a new insurer.

He got impatient waiting to turn left out of a parking lot, so backed up to turn around and go a different way. Unfortunately, he backed into a light pole and broke it in half. Fortunately, no people were injured this time.

Just in this most recent budget meeting, I showed him how we needed to increase the inflow to meet all our goals. Electricity had gone up, water and car gas had gone up, along with other bills increasing. More than one month we've had to put way less than the ideal in our rainy day funds - i.e. pet fund, medical fund, etc.

So we both agreed to find a way to add $200 extra each. He can do this simply by working 4 extra hours each week (which will also increase his spending money potentially.) I plan on trying to do some door dash each week, plus my normal methods of earning spending money.

Of course now with yet another accident on our records, I'm a little leery of doing extra driving ... And who knows how much more the insurance is going to go up.



I'm two weeks into my Business Communications class. It definitely is more work/effort than the last two classes.

I got an email from my advisor with the suggestion I register for two classes in the fall semester. I LOL at that ... I can barely manage the $200 for a textbook for ONE class at a time. Books aren't covered by my employer.

It's so ludicrous how the textbook companies have ensured their longevity - make students buy textbooks with a one time use online code. Make buying the code by itself more expensive than buying the book used plus a new code. So students can't recoup their textbook money by selling them AND they can't save money by buying used.

When I did my graduate degree, my total outlay for textbooks by the end was less than $50! So far for 3 classes, I've spent over $500. None of which I can recoup.

I really hope that doing this degree is going to pay off in the end...


In more positive news ... Our net-worth (minus house value, or car values) hit $325k+ DH has about 8 months income in his ROTH now. (Started from zero a bit less than 2 years ago.) The rest of it is cash savings or my IRAs, etc.

I really hope we can continue to fully fund the IRA's. With DHs late start on it, there's not going to be much by the time he's 62. I don' see him lasting at his job past then. (He's 52 now - 53 in August.)

OK, I'm going to go catch up with ya'll!

8 Responses to “Another One?? Sigh”

  1. Dido Says:

    Good to hear from you; sorry to hear about the new accident. Good job saving of late even if late out of the gate for him. Is there a type of job (part-time for example) that you can see DH doing once he is out of the FT workforce? Part-time work for a few years could help a lot.

  2. FrugalTexan75 Says:

    Thanks Dido. He probably could do a night shift as a hotel desk clerk or something like that. Depending if he's still into his fish/speakers he could expand those hobbies more fully.

  3. Joanne Says:

    Sorry about your husband's accident.Glad that he wasn't hurt. You're right that everything does seem to be more expensive.It's good that you are still saving in your accounts. Take care..

  4. frugaltexan75 Says:

    Thanks Joanne.

  5. rob62521 Says:

    Ouch on the books. Back in the dark ages when I went to college, we had actual books and they were darn expensive. Sometimes I could sell them as used books, but I hated it when some profs decided to either not allow the bookstore to buy them back or if they changed texts.

    Sorry about the additional accident. Is there anyway to take a class or whatever to help lower the insurance rate? I recently did the AARP safe driver and I guess I get 5% taken off my insurance. Not a lot, but better than nothing.

  6. kashi Says:

    I'm sorry you are dealing with another accident! Does the car need repair?

    I can't believe your required textbooks are so expensive!!

  7. sandy Says:

    You seem like an intelligent hard working woman. I binged read your blog from the beginning. Do you ever second guess your choices?

  8. frugaltexan75 Says:


    We have to purchase a physical textbook, plus the online code. The code is to access extra materials/assignments.

    My advisor told me that many of the classes repeat the same textbook, so it wouldn't be so bad. Yesterday in response to my asking for a list of which classes used the same textbook, she told me there were only two left that I would need to take. Um ... I guess this is part of the price of technology.

    I will have to find out about him taking a class. That is a good idea (although he'd hate it!) The car won't need major repairs - the brunt of it seemed to be absorbed by the spare tire.

    I'm majorly impressed you read my blog from beginning to end. I've made many mistakes and bad decisions my whole life. Who knows if my life would be better or worse if I had made different decisions / mistakes? I just have to learn from the results and decide how to go forward from there.

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