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Paying for Peace of Mind

June 4, 2014


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My rear tire had a blowout! I knew this would happen at some point. We decided it was best to just pay for 4 new tires, the peace of mind is worth it to me.Do you remember a while back when I told you that you’d be seeing my debt with my parents go up due to my dad “selling” me a trimmer? Well I’ve updated my debt totals and luckily that didn’t make it go up much. In fact, it only went up a net of $25 – the trimmer cost me $75 and then I made a payment of $50.

Unfortunately, you are going to be seeing my debt to my parents go up again. But first, a little good news.

I held my garage sale over the weekend on both Friday afternoon/evening and Saturday morning and I’m not going to go into the details of the sale on this post (I’ll do a separate one on it later), but I will tell you that I personally came out of the sale with a “profit” of about $220, which I had planned on putting toward my EF and CC#4.

Well, even “the best laid plans of mice and men often go astray” and mine sure did!

Sunday afternoon as I was driving to Wal-Mart, I went over a large bump in the road about 2 blocks from Wal-Mart and thought it sounded especially loud, more so than normal. But, I figured it was because my sun roof was open so I kept on driving. About one block away from Wal-Mart I could tell that the road noise was abnormally loud and decided I’d check it out as soon as I parked my car.

I went around the car and saw that my rear passenger tire had a complete blowout! I knew this would probably happen at some point, but was not expecting it to happen just yet, I figured I still had a few good months left in the tires, boy was I wrong!

Luckily, I know how to change a tire, so I got to work on it right after I called my dad to let him know what was going on. I got the spare on successfully, did my grocery shopping and went home.

My dad and I talked about the best route for me to take in replacing the tire. He asked if I planned on trading the car soon and I told him I was considering trading it in next year sometime (2015) but hadn’t decided for sure. He said maybe we could just get a used tire for the mean time to save a little money and get me by until I traded.

Then, he asked if I was planning on going out-of-town anytime soon. I have a trip planned to see my BFF over the 4th of July. She lives about 3.5 hours away.

Because of this planned trip, we decided it was best to suck it up and pay for 4 new tires for my car and as my dad put it, “we are paying for peace of mind”. Especially when I go on long-ish trips by myself. It is worth it to me and to my dad.

So, my car spent most of Monday at the tire shop waiting for the tires to be delivered and then put on, balanced, etc. When I picked it up at the end of my lunch that afternoon, the bill came to $661.06.

While I have more than this in my EF, I didn’t want to drain it too low paying for this expense and then turn around to yet another car repair bill (like the one I’m going to have to pay for at some point to fix my car window). Plus, I know that I’m going to have a medical bill coming up soon and my car’s tags and taxes too.

Luckily, without my asking or mentioning anything, my dad offered to pay for it and let me pay him back as I can. My current plan is to put half my garage sale money ($110) toward paying my dad right away while putting the rest in my EF for the upcoming expenses I already mentioned. Bye-bye garage sale money! I just hope that I don’t have my first month where my debt total actually increases 🙁

How do you cope with expenses you hadn’t planned on having?

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11 responses to “Paying for Peace of Mind

  1. Argh! My heart dropped when I read how much the new tires cost. Honestly doesn’t this trek to financial independence feel like 1 step forward 43 steps back sometimes? No wonder people (myself included) feel so discouraged some times. I would like to add though, there are certain where you should NOT take the cheap route. Anything to do with your safety is one of them. You chose right.

    1. You are so right! It does feel like 1 forwards and 43 back. Every month I think there’s going to be extra $$ left over for additional savings or an extra debt payment and then BAM! My car or something on my house needs fixed. Ah well! There’s always next month right?!

      I’m glad to know you agree that the new tires were worth it. Being a single girl, I’d hate to risk having this problem while on the interstate by myself. Tire blowouts are dangerous for everyone, but a girl changing her tire seems to attract attention and “help” from strangers even if it’s not needed.

  2. I can’t imagine how frustrating that is! I would have made the same decision as you, though. I wouldn’t want to end up somewhere stranded, by myself! I am thinking of paying for peace of mind with my car soon as well. I am hoping we can hold out until July or August, though. Visiting my parents every other weekend (~300 miles) is probably putting some wear and tear on my car; it could use a tune-up and new tires.

    I hope the worst is over for the month, and that the rest of June goes smoothly for you!

    1. Thanks EM! Glad to know you would’ve made the same decision. I sure hope this is the worst part of June and it’s easy peasy from here on out. That many miles every other weekend is a good reason for tune-up and new tires if needed. Wouldn’t want you to have a tire blow out too!

    1. Ugh! I know and based on what my dad told me (he is usually pretty close, but not this time) I thought I’d be spending about $400 for new tires, so when I saw the total I think my eyes popped out of my head!

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