raising the roof.

26 05 2010

i wish i could raise the roof all 1998 style (can a get a woot woot?) about the process of getting a new roof, but it’s been all sorts of suck since day one. we hadn’t even had our condo for a full year when the water damage started. sure, they told us during due diligence that we would need a new roof in the next 2-5 years, but we figured we would have at least one recovery year before the giant assessment of doom descended upon us. but then *BAM*, 1 giant shingle ripping windstorm, and everything falls apart. our beautiful (and stupid expensive) brand new professional paint job reduced to a bubbly saggy mess in 24 short hours.

now not only was my heart broken about the paint job, but with one of the 5 units in our tiny little condo association undergoing foreclosure (meaning that the guy hadn’t paid mortgage or condo fees for 6+ months), i was also wicked pissed. why you ask? well, because when a condo association needs a new roof, and one of the units is in foreclosure… everyone else just has to pick up the slack and pay jerkface’s share of the bill. which isn’t so bad when it’s a $75 heat bill, but when it’s a $15,000 new roof- it becomes significantly more pricey. and thus, i become increasingly more filled with rage.

i suppose we were lucky enough to get that big chunk gifted to us by the boyfriend’s parents (although that too came with it’s own “complications” [ahem, demon dog anyone?]). but that still left us with $1,375 each to come up with by june 1st. the crazy thing is, i actually had it. there was almost $2,300 in my savings account, and for the first time in my life ever (i’d never been able to keep more than about $25 in savings at any given time), my emergency fund was actually ready for the emergency. so why did it feel so bad when i had to write that check? last night as i transferred the cash over to my checking account, and saw my hard earned savings dwindle down to less than $900, i felt a huge sense of hopelessness and loss. i had been doing so well. i had made real progress. i had felt so successful. and here i was again, back down to an almost empty tank.

i automatically have $100 a month put into savings from my paycheck, and then any other outside earnings, single check rebates, or other miscellaneous income have been getting thrown in there to boot. this was a good year, and between tax returns and freelance jobs, i was able to come up with almost another $1000 of miscellany to stuff under my savings mattress. i’m just afraid that this next year won’t be as kind, and that my race to have 2 months worth of living expenses in the stronghold could take another 2 or more years to build. i was so close.

i think i get it now. saving money is like taking prozac. it takes the edge of worry off of working and living in a world where expensive emergencies can streak across the road like a spooked deer at any time. sure, my new roof looks nice, will add resale value to my home, and will most hopefully prevent any future water damage… but it took a little bit of my security with it, and i think i’m going to be in mourning for a little while. *i’ll be in my room*

Advertisements

Actions

Information

3 responses

26 05 2010
chris

owning a home is an endless sucking money vacuum. we build houses for a living, and nothing ever gets fixed at my house unless i break out tools and start looking like i’m going to fix that shit myself without a clue. i own a house on a lake also, and i feel your pain with the homeowner’s association. we have to pay in yearly to keep up the roads. they foolishly elected my the treasurer last year, and i think this year we’re gonna institute a “no pay, broken kneecaps” policy.

29 05 2010
bessmarvin

every time i walk into my condo, and my delinquent neighbor’s dog barks at me- i bark back “PAY YOUR CONDO FEES”. i WISH i could institute my own broken kneecaps policy… but i don’t think the condo association president would appreciate that. just be glad that your partner actually can fix stuff. the boyfriend (though he is learning) is still not that much handier than me (don’t make me discuss the baseboards- don’t make me do it!)

28 07 2010
accepting exceptions. « broke 207

[…] money, i have a lot of debt, i have minimal savings (thank you stupid fucking roof), and i have a desire for financial freedom… but i also have enough income to pay my bills […]

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s




%d bloggers like this: