Oh, my eyes.
In this case, I mean it literally: my eyes are the worst. I’m really, really, really nearsighted, which limits me to certain brands of contact lenses (most don’t go below a -10) and means that whenever I buy glasses, which luckily isn’t every year since my prescription’s been stable for a long time, I need to pay extra for extra-thin lenses.
This year, I do have eye insurance, luckily, but I also needed new glasses; my old ones broke a month or so ago and while I was hoping they could be fixed, the office said no dice. And I’ve had them for four or five years, so I sighed and said ok. But even with insurance, which knocked about 50% off the final bill, I ended up putting $673.20 on my credit card this morning, for the exam, contacts, frames, and lenses.
Now, it’s on the 0% card (the rate is good for another six months, I think) so I could pay it down slowly. But darn it, I just got out of debt. I don’t want to hit the new year with anything on the card. So, here’s how I’m going to do it:
$187.01: already saved in my “personal/health” category
$100: from December 2014 “slush” money
$150: from my “repairs/maintenance” fund (I’m repairing and maintaining my eyes, I guess)
$250: from the emergency fund (sigh, that’s what it’s there for)
$9.91: from January 2015 “slush” money (already in my bank account since I live on last month’s income)
This all sucks, and I hate draining my health and repairs sinking funds, not to mention the EF setback, but there are two pieces of good news: one, I know where the money is coming from and have it saved, even though I don’t like having to actually spend it, and two, since I hopefully will not need glasses again for several years, next year’s bill should be much more reasonable; the contact exam and lenses alone would have been $282.