I was just about to write another "Murphy visits Grace" post when it struck me that I write these kind of posts all the time. I took a brief ramble through my 2008 posts, and, sure enough, every single month I was hit with some unexpected expense. Sometimes it was the car; sometimes it was one of my kids; more than once it was a medical or dental expense; and don't get me started on appliance breakdowns.
But I am finally starting to realize that I have to stop blaming Murphy and start budgeting for real life. Real life, at least in Grace's world, includes at least one monthly unbudgeted expense. Over the course of 2008, this averaged out to an additional $260 a month.
For March, 2009, it will be an unexpected $533 insurance expense.
Yep! More fallout from my garage fire.
My broker had already warned me that when my homeowner's insurance was canceled, it would cost more. She thought she had placed it with a company that charged me almost double my previous payment. Yesterday, it turned out that a computer had accepted my application, but the human adjuster had not. Never mind that I already have my rental house covered by the same company--they do NOT want my business on my residence. My broker finally did get me placed, but now the price has tripled. Hence the check for an additional $533.