Whew! Now that the divorce posts are done, we can focus a bit more on the present.
Speaking of the present(s)
Without Tim, I have almost nothing to buy this holiday season. I got my mom her birthday pears (on sale and with cash back through Mr. Rebates, naturally), and that’s usually a combination birthday/Christmas gift. But I got them so cheaply this year that I want to get her a little something for Christmas too.
I have a couple of ideas, which I won’t divulge since she reads this, but it’ll probably be a skosh utilitarian because those are the presents that she tends to like best.
I wanted to also do Toys for Tots or the Angel Tree this year. It’s silly that I haven’t been doing it every year — goodness knows we had enough — but I just never seemed to get around to it.
But I wanted things to be different this year. Then I realized I’m still so scattered from the divorce that I can’t guarantee that I’ll be organized enough to go shopping by the deadline.
So I did the next best thing: I donated $25 to Revanche, who is (or at least was) doing her own flurry of charitable shopping. She’s splitting her (and a few other donors’) funds between winter-weather clothes and Christmas gifts. She’s a savvy shopper, so I trust her to stretch my dollars into something useful or delightful to some kid out there. Thank goodness for people like her.
I don’t know if she’s still taking donations — she is trying not to push herself too hard this season — but you can always @ her on Twitter (@RevAGSL) if you’re interested.
Baby, it’s cold inside
As I type this, I’m wearing a long sleeve shirt and flannel PJ pants because it’s 66 degrees in the house. And tile always makes the place feel cooler.
My goal is to not turn on the heat at all unless my house guests are here. I’m getting to hang out with Felicity — from Fetching Financial Freedom — and her husband on their cross-country road-trip/move.
So far, it’s only gotten down to 65 in here. If it dips down toward 60, I’ll probably have to give up the ghost, buuuut I also still have a fluffy robe to add to the mix. So we’ll just have to see what happens.
Didn’t need that $800 anyway
I spent the last few years with ramped-up anxiety as Tim did his speed-demon thing in the car. So of course a month after he stops using it, I get in an accident.
I’m pretty good about keeping at least a car length between me and the car in front of me on the freeway. Unfortunately, it wasn’t quite enough this time. The guy in front of me hit the guy in front of him (who had slammed on his brakes), and I hit the guy in front of me — despite stomping on the brake as quickly as I could.
It was relatively low speed by the time our cars came into contact, so no one was hurt. Well, I have a nasty bruise on my right knee where it hit the steering wheel column or something, but no serious or worrisome injuries occurred. Which is what’s important.
And I felt relatively okay about the damage since it was just a crease in the fender and the seatbelt was no longer retracting (but was snug enough to be safe to drive).
Then I got to the body shop.
Turns out the seat belt had “deployed” as part of the airbag system and that’s why it wasn’t working anymore. It had to be replaced. As did the bumper, obviously. Also, I hadn’t noticed that the hood was raised every so slightly, indicating some damage. And a few other things, plus whatever they find when they remove the bumper. All in all, about $1,800 for parts and labor. Eesh.
My deductible is only $500 (“only” being a relative term here). So there’s that. But I’m pissed because a) I almost didn’t go out that night, b) I can’t believe I got in an accident after so many years and c) my premium is going to go up. Not until August, of course, but there it is.
I’ll increase my deductible to try to help offset things. And removing Tim from the insurance might do something. It’s got to be more expensive to insure two people than one.
But now that I’ve had an accident I’ll be paying more, which is beyond frustrating. I’m supposed to be lowering my expenses.
Oh, and the car won’t be done util the 21st, meaning I’ll have to rent for a total of 11 days. I’m really regretting not taking the car to my regular place — I bet they would’ve had the car done sooner — but the estimate had to be done at the insurance company’s preferred garage. And it seemed easier to just have them do everything. Lesson learned.
My insurance got me a discount, but it’ll still be just over $290 when all is said and done. I’m kind of kicking myself for not getting rental car coverage. On the other hand, I’m pretty sure it’s at least $30 a year, and I’ve opted out of it for the past nine years, so I guess it evens out.
When’s the last time you were in an accident? Are you donating any presents this year?