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Made the Decision

December 18th, 2012 at 03:46 pm

As much as I wanted the BoA card to be gone, I just could not stomach draining all of my funds to do so. DH and I decided to go ahead and pay off the AMEX so I did that last night. I'm just waiting for it to show up on the accounts now. We feel pretty good about the decision and it's one less payment to make. Usually we use the AMEX as our gas card, but I think I'm going to keep it unused until the BoA is paid off and just pay cash for gas. It feels good to have one card gone.

I think I will still probably use the $1000 in the freezer fund on something else, though. I've been thinking about that for a while now. I have come to the conclusion that I really don't want to get the chest freezer while we are still living here. I want to get it after we've moved into our next home. It is so easy for a freezer to get banged around during a move or for something to go wrong with it. I'd rather only have it go from the store to it's final destination. Plus if we were to get it now, it would have to go into the unheated garage and that violates the warranty.

I don't want to touch the other funds though. I'm just paranoid something is going to happen and I'll need to drain my funds for something else. Like another unexpected medical or dental bill. The way my tooth is hurting even with the temporary crown, I think I'm defintely looking at a root canal. Ugh. So I want to have the money for that if I can't pull it out of the budget somehow.

I really wish the tooth would stop hurting. It was so bad last night I ended up breaking into my bottle of oxycodone that was left over from my surgery in the summer of 2011. First time I didn't feel any pain there in a very long time. I will mention how much it has been hurting when I go back to the dentist tomorrow and maybe he will prescribe something less potent but strong enough to stop the pain.

6 Responses to “Made the Decision”

  1. FrugalTexan75 Says:

    I think you made a good decision on paying the AMEX instead of the BofA. I can see your reasoning with the freezer fund. Could you maybe rename it the "Unexpected Medical Fund" so that you have some cash on had for unexpected medical or dental bills? Or maybe use it towards the cost of a root canal (I know it wouldn't cover it completely, but it'd be pretty close, right?)

  2. rob62521 Says:

    Good job on the Amex...as for the freezer, I think you make some great points.

  3. Joan.of.the.Arch Says:

    When I rule the world, there will be no painful dental problems going untreated. Frown

  4. Thrifty Ray Says:

    I agree this was a good decision. It seemed like you would have had to dipped into too many funds for the BofA payoff and this option left you buckets to pull from while you pay BofA off.

    I hope the tooth is painfree soon

  5. MonkeyMama Says:

    Sorry about the tooth, but awesome about the Amex!!

  6. PNW Mom Says:

    Hope your tooth is feeling better soon and congrats on paying your AMEX off! Yipee!

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