I’ve saved this note in my emails for a couple years now, and re-stumbled across it again this morning when tidying up:
“Will this $1,000 matter when I’m financially free?”
I blurted it out in response to a reader getting hit with some unexpected pet bills hoping it would ease the sting a little, and while I’m not sure it did, interestingly it has helped *me* over the years better put things in perspective ;) It’s never fun to lose $1k or any number of dollars for that matter, but when you think longer term and what life will look like in retirement, it’s not gonna make too much of a dent in it.
Of course, that’s not to say you should just go spending willy nilly since retirement-version of you will likely be fine either way, but it’s a small condolence to remember any time life smacks you in the face.
“This will not derail my freedom! I will still be fine later!”
Something to think about anyways before we beat ourselves up too much :) Which I know many of us do no matter what our finances look like! (The other day I got pissed at myself for buying a CD that sucked, and it was only $10! Had to remind myself that that $10 will have absolutely no effect on my retirement later, haha… And at least I supported a local artist!)
Here’s the original note that got me to start thinking along these lines more… It was in response to a post I wrote about on how things like debt are just a phase if you let it be.
“Perfect timing for this email. I racked up $1,000 in debt since Thursday to take care of my cat who accidentally got the big dog’s tick medication (K9 Advantix) instead of his Advantage (identical tubes, with just a slight difference for the logo on it). He started out with muscle tremors on Thursday, then moved to seizures on Saturday.
- Thursday: $126 for the regular vet (which basically accomplished nothing, but a bath – they just watched him for the day while I was at work)
- Friday: $7.25 to the regular vet for muscle relaxers (2 pills!)
- Saturday: $1,000 for estimated expenses at the emergency clinic (after the seizures began) for 24 hours of observation/treatment (down from the original $2,000 estimate they gave, which I told them I couldn’t do)
- Saturday: $65 to pay the Animal Poison Control to tell the vet what needed to be done (standard procedure for poisoning)
- Sunday: $206 refund from the estimated expenses for needing less than expected
- Total: $992.25
But hey, he’s alive and doing much better. I’d rather have that than the cash. It hurts the wallet, but I’ll take it. And I have a year to pay it off since I applied for a Care Credit credit card with a 0% promotional interest rate through the vet’s office. Thank God for much improved credit!
Thanks for this reminder that cash isn’t everything and things happen!
How do you handle such things in your life?
Fun pic up top by _freakwave_
Jay loves talking about money, collecting coins, blasting hip-hop, and hanging out with his three beautiful boys. You can check out all of his online projects at jmoney.biz. Thanks for reading the blog!