An Emergency for Our Emergency Fund

 

It took us quite a bit of time to come up with our $1,000 emergency fund. Once we had it, it felt like the act of having an emergency fund guarded us against emergencies happening. Murphy’s Law, amirite? Meaning, if we didn’t have money set aside that would be when an emergency would pop up!

On March 8, 2017 Southern Michigan had a wind storm with wind gusts in excess of 60 mph. I came home from work and found this!

Fallen Tree

We were incredibly lucky, because those high winds brought cold air and resulted in numerous power outages that took days to be restored. That is not good news when temperatures were in the teens and twenties. Not only that, but this tree could have done so much damage: to our house, our next door neighbor’s house or their shed, our garage, deck, fence, or either of the garages for the neighbors in the back. Instead, it was caught by another tree! So lucky!

Unfortunately that luck meant that this tree was not able to be claimed under our home insurance policy since it didn’t do any damage to any of the various structures surrounding it. So, it was all on us.

I started calling tree service companies right away, but there was so much storm damage that all of them were really busy! Most didn’t answer the phone, a couple others bid $900 to take this tree down for me, and one company said $500 to remove everything!

And then the owner ignored my calls and texts.

I went with another company that a coworker recommended. He bid $850 but when I said I would think about it, he texted me back and said he would do it all for $800.

I’m really happy to see this tree go, because for one, it was really ugly. There was about 20 feet of tree trunk before the pine branches showed. It dropped really ugly skinny curved pine cones. If it dropped those fat majestic ones we could slather with Elmer’s Glue and glitter we would have had Christmas ornaments for years! I would have loved it! But all we had was ugly wormy looking ones. Also, I couldn’t get grass to grow due to the constant layer of pine needles and shade.

Now we begin the process of rebuilding the Emergency Fund. I felt like we had it for a long time, but when I asked the bank teller he advised that we opened the account in the beginning of October (right around when I started tracking my net worth with you guys)! Let’s hope we have a better streak in the future.

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