In The Total Money Makeover, Dave Ramsey states in regards to the emergency fund, “This beginning emergency fund will keep life’s little Murphies from turning into new debt while you work off the old debt. If a real emergency happens, you can handle it with your emergency fund.” If you are asking, “who is Murphy?” this is from Murphy’s Law: if anything can go wrong, it will.
I was snoozing ever so soundly when DJ walked into the bedroom, “Someone broke into the truck, where is the camera.” I immediately sat up in bed, “What? In our neighborhood?” We live in a quiet neighborhood filled with many elderly retired people. I tell DJ where to find the camera and dress myself so that I can go outside to see the damage. Damn, it was not some cruel joke to get me out of bed (not that DJ ever does that.)
As you can see they did a lot of damage to the passenger’s side door. There were finger prints visible at the top of the door above the window and a foot/shoe print below the window. This makes it appear that they grabbed the door at the top and physically pulled it down using leverage with at least one foot on the door.
While a police man was here taking prints, a neighbor walked by and asked if the truck had been broken into. She then stated that her neighbor across the street from her had their vehicle stolen overnight. This gives the impression that whoever broke into our truck had the intension of taking the whole thing, and for some reason gave up and moved on to easier prey.
The truck is currently at the shop waiting for a new door to come in. The damage is covered by our insurance, everything over our $500 deductible, that is. If we had an emergency fund, this would not be such a big deal. An example of why you want an emergency fund.
1 year ago