When I had to have stitches at the end of last year it cost over a $1000.00 and that ate a big hole in my emergency fund. Then, Tucker the Peke popped out an eyeball in 2018 and that cost another $700.00 before I could build my Emergency fund back up.
I was hoping I could take one late payment fee and get back on tract for payments in a month. Well that is not going to happen! It is mostly timing about when I get paid and when the payments must be paid. So I’ll take the little $20.00 “late payment” hit for making the house payment on the 21st rather than the 1st for two months. I’m not in default on the mortgage but I’m just not paying on the first of the month and will get charged a late payment fee. By May I should have built up another “emergency fund” to handle the house payments in a more timely manner.
Trying to scrimp and save while helping Mom move was not stress free. So I just gave up on trying to get economically on track in one month and pushed it out to a 3 month (May) time frame. I don’t use Credit cards much and try to stay cash only. So I occasionally take a late fee hit when things get sideways. The late fees are motivation to get my finances in order.
I got one of Mom’s window blinds installed in her bedroom and it looks pretty good for an off the shelf standard blind. I gave her a couple of curtain rods for curtains but I need to finish installing a few more blinds so she has privacy and the little place becomes her home rather than a place where she lives. One bad thing is she has aluminum single pane windows. Not good insulators and the Frost King tape is not sticking to those metal frames. I’d like to add Storm windows but that is not in the budget. I’ll probably end up stapling some plastic to the exterior for this winter and then try and find a better solution. I did give Mom a couple of buckets of wood to try out in her wood stove. She went and gather some tinder for the stove. So she will have a bit of wood heat to augment her electric furnace. I think wood heat is better but I have to admit the Electric heater of Mom’s House is darn good. Once we insulate the crawl space and upgrade the windows it will be a warm little house. Huzzah I figured out how to use the plug in the bath for Mom. She will have a much better attitude for a long soak in the tub rather than taking showers. LOL
I got Mom’s Laptop setup for the internet and programmed, her Digital TV via Antenna. I think she got 45-50 over the air channels on the indoor antenna. She has news, weather and old movies via broadcast channels for TV. Internet for her Laptop and kindle. The last thing I need to setup is her Roku via wireless internet. The installer was good from what Mom says, but we need to buy her own Wireless setup and not pay cable modem rental fees.
We have some pretty nasty snow storms incoming so that means hauling furniture in the Dually pick up is out. I hauled Mom’s little dining room set in my Kia mini-van so that should be doable. The biggest problem now is Mom wants to upgrade the paneling on the walls and she does not have money to make that happen. We have most of the bookcases in the correct rooms so we can load them up now. Then when she has the money we can install the new wall stuff.
I doubt Mom feels this way but we got her storage shed emptied/chicken house moved. The chicken run/kennel on site, most of her totes, boxes are under some cover in sheds. While she see what is not done I see what has been done by two disable women in the middle of an Idaho winter. I’m an Optimist and see the glass as half full. Mom is a bit of pessimist/cynic and often sees the glass as half empty and probably needs to be filtered! LOL
It has been a challenge but we are both doing okay. Mom wants to sell the Arctic Fox camper for around $6 grand but it has a bit of water damage. It has an expansive front berth and I think the Propane generator and appliances are worth at least a $4 grand bid. While I’m not a fan of electronic jacks. I know they are not cheap to buy. Buy the 4 season camper cheap and get a free propane generator, Multi- power fridge and freezer and electronic jacks for what ever. The camper with a good working slide out, at that point is a cheap bonus! It needs work but for about $6 grand you will have a great camper with a slide out. Trust me used Arctic fox 4 season campers are pricey. Mom says the custom trailer extension is part of the price.