This kid is almost 15 but I guess he is kind of growing out of it because it's the first time we've had to take him in to urgent care in 3.5 years. At least you were home for the break that year you had mono. Would have been harder being away at school. I had shingles when I was a senior in college and it was not fun.
I like the fact a HSA is a ‘safe’ investment as it does roll over. They also start to invest for you once you get to a certain level, so you can make a little extra on your investment. Technically, to fully fund we’d have to put $260/paycheck to meet the federal max. I don’t want to bump it up right now, but we may just keep it where we have it. We still have couple months of zero interest on the current cards. We may be able to pay them off between our tax return, any overtime my DH gets, extra shifts I work, and my DH’s annual bonus before interest kicks in. I don’t really plan on any of that money as none of it is guaranteed. We did Dave Ramsey for a bit which is why I was concerned about the HSA investment, but in the end I think Dave is a bit too extreme for me. Thanks for the perspective, Jen!
Ugh Murphy has struck!
My car had two flat tires over the weekend. Then the engine started smoking today! And my phone broke over the weekend. luckily DH and i decided to downgrade our iphones to a lower end smartphone so we got two moto e4 pluses for around $200 after paying off DH 's at&t next plan and trading in 3 old iphones.
Nothing like draining your emergency fund the second week of the year, eh? income tax can't come soon enough this year!
It needs a new radiator and exhaust. Coupled with the new heat and air it already needs and the repairs needed more than double its current value. I'm so sad, this was my first car, and I've had it since I was 16! I've been hard on it, running it up the east coast 5 times and long distances when I lived in a rural area, plus in rough conditions when I lived in the great lakes region. Still, I'd hoped to get another 2 years out of it. 
I'm in the same boat with a 17 year old car that has been cross country a couple of times and on many road trips. I'm planning to donate it to charity (probably a pet shelter) when the time comes. So far it is still running well, so I'm hoping it will make it until at least the end of this year. If you donate your vehicle, you can write it off on your taxes while also helping a cause that you care about. 
I’d look into scrapping it. I got $1100 for our 2006 Honda CR-V with a bad engine. Dealer wanted to give me $75. I went through peddle.com.Welp, my car's shot.
I've never had to buy a car on my own before- what do I even do with a car this broken down- sell it for scrap value? Take it to a dealer for their minimum trade in?
