The Importance of the Emergency Fund

This is apparently my year of really excellent luck.  I have been MIA on the blog because I wrecked pretty hard on my bicycle last weekend and managed to fracture my ribs (most likely multiple).  The very quaint trolley tracks downtown that are for a trolley that no longer runs grabbed ahold of my tire and sent me ribs-first into the curb of the median.  It probably looked something like these pictures, minus my head spilling egg.

 

 

Thankfully, I wasn’t scratched up, but I did feel like I got hit by a bus.  It was also like the second time EVER that I forgot to wear my helmet and I feel so fortunate that my head didn’t look like the egg head guy.  WEAR YOUR HELMET!

So, besides the procurement of a new washing machine, the addition of unanticipated health related costs made me very thankful that I have an emergency fund in place.

Unanticipated costs as a result of my wreck:

  • Co-pay for doctor appointment where he told me what I already guessed and gave me a prescription that made everything worse
  • Prescription that made everything worse–I was SOOOOOO sick from the pain pills so I only took two before I stopped.  This was a generic so it only set me back $9.
  • OTC painkillers in two varieties (Aleve is a godsend), capsaicin pain relief patches, heat and cool patches, and thermal heat patches to try to find some solution to allow me to sleep through the night
  • Take out and easily prepared (ie not things I normally buy) groceries because I couldn’t do anything for myself
  • Anti-inflammatory foods and supplements (tart cherry juice, turmeric, detox tea, kombucha, epsom salts for bath, etc.)
  • Acupuncture five days in a row
  • Most likely an additional chiropractic appointment

It could have been much, much worse and cost much, much more and this is why it’s important to have an emergency fund in place.

I am feeling like a normal person again and the pain has localized, so I no longer feel like I got hit by a bus…or like I hit the hard concrete of a curb followed by the hard bricks of Mountain Ave., but I still have costs rolling in trying to care for myself.  On the bright side, I don’t have a yoga membership for two months and I’m not drinking because I’m taking pain relievers and I am trying to heal, so that balances out a bit of the unanticipated expenses.

I’ll have to get back to you on No Spend September posts because I was out of commission for a week.

 

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