A lot of sensible frugal people prepare themselves financially for emergencies by putting a little away for such eventualities. Others are not in position to do so because they are already living on a shoestring. Yesterday I discovered why it is sensible to try and put a little away in a savings account for such emergencies.
I got in my shower, which is over the bath and what happened do you think? The bath cracked under my 13 stone 9 weight. Now, as you know, I was not overly fond of my bathroom, but I wasn't expecting to suddenly find myself in the position of HAVING to do it, and no, I hadn't got that emergency fund up and sorted yet. So I now find myself with a cracked sink AND a cracked bath. The cracked sink I have been getting away with because I am careful, but there is not much you can do with a cracked bath, the water just runs out.
So today I went pricing up new bathroom suites. The loo is ok, but in a particularly lurid shade of green and as a deal on suites means that you get a discount (also I can't face having a green toilet and white sink and bath) I have priced what I need to replace at approximately £350, inclusive of all taps and delivery. Not a bad price I have to admit, but not great when you don't actually have it. This includes a steel bath rather than acrylic.
Now I am faced with options. Option number 1 is of course to borrow the money by buying on a credit card or taking an payment plan. As far as I am concerned, this is NOT an option. I refuse to get myself in debt over it.
So option two is to see if I can do a temporary fix with a bit of gaffa tape regularly replaced and very careful cleaning after every shower.
Option 3 is to leave it and shower at my friends house where possible, have regular washes and save save save.
Having thought it through, I have decided on a mixture of option 2 and 3. It's a bit sad to have a gaffa taped bath but I can live with it. The real decision comes as to whether to buy, replace and make do, or to actually use the opportunity to fully do the bathroom, tiles, floors, the lot. It needs doing (even though i was hoping to have a couple of years to wait) and as I will do most of the work (if not all) myself it seems sensible to save for the tiles as well - flooring can come at the end another time. The problem with not doing the tiling at the same time is that it will need doing at some point and I have never thought that doing half a job then the other half at a different time pays, as you end up undoing half the first job.
Well, my hand has been forced and now I have a new and urgent project to save up for. Meanwhile, I hope I don't get too whiffy, haha.