Originally Posted by TheWescotts
aaaaand yesterday the AC unit stopped working. I think it is either the fan motor or compensator. Either way it is gonna cost $$ to get fixed. That is what the emergency fund is for.
For more information for the finance oriented We do have an emergency fund. We want this cruise paid before we go, not credit. My job is such that I get a small salary plus large commissions. The commissions come when deals close and can be sporadic. The fall is normally a really good time for them. My commission double at a certain level. My next one will get me to that level. That will come at the end of the month, or beginning of Sept.
My wife works 1 day a week and keeps the kids. She can work up to full time if she needs to/they need her to. Which right now they do. Just 4 weeks of her working extra shifts is enough to pay off our cruise balance.
So it is not like we are being totally irresponsible here (maybe a little) Our monthly expenses for living are not that bad. Cars are paid off, mortgage is under $1,000/month.
again Thank you everyone. We told one of the couples last night that we are going to cancel and hopefully rebook. So please, send your prayers and pixie dust our way!
When it rains.....
My dad worked on commission when I was growing up - he only got paid quarterly commissions - he EVENTUALLY figured it out, but it took until after I was grown up for him to manage not to run out of money by the end of the quarter - basically he eventually put enough aside that he had an extra quarter of "low year, low season" commissions he could dip into. It was a tough way to grow up and had a HUGE impact on my own financial life - I never wanted to live like we did for the last two weeks of the quarter - with no money for a movie if you got invited by friends, eating cream of mushroom soup over egg noodles.