Since I bought my Lexus last year I haven’t had a single problem with it. It was due time something happened, but it wasn’t Lexus’ fault.
Someone decided to break into my car.
I always keep my cars absolutely devoid of anything visible in the cabin, so they didn’t have anything to take. The Lexus dealership is charging me $209 for the parts and labor….which actually isn’t a bad price, however I quickly realized something: Where will this money come from?
I’ve got the money to cover it, but here’s the breakdown of my regularly used accounts (sans the savings and stock accounts):
- General Account – $1,000 balanced debit card. Money goes in and out from this account, but the balance always remains constant and isn’t spent.
- Bills Account – Pay rent, gas, groceries and other everyday bills.
- Spending Account 1 – Money for going out.
- Spending Account 2 – For trips & holidays.
- House Account – Money for buying house.
- Investment Account – Used for anything that helps me make money. Usually keep roughly $6k in here.
- Permanent Savings – Accumulate money here to later put in various savings accounts.
If I have to get routine maintenance on the car like an oil change, tire rotation etc. I send it to the “Bills Account” but this charge doesn’t justify coming from there.
What I need to do is open an unexpected situation account. I’m going to nickname it the “Oh Sh!t Account.”
As I get older and have more stuff/responsibilities I have a feeling this account will prove to be pretty useful. This account will slowly accumulate money month after month that can be used for any of those unexpected things life throws…in this case, a brick!