COVID sent my personal finances into a tailspin I still haven’t salvageed from.
To be fair, before the pandemic I was residing paycheck to paycheck, although I still had a few hundred bucks saved up for an emergency fund.
Once my offices were shut down, I had to scramble to cover my bills. My income dropped in a huge way, plus the only chance I had was to cut my spending in a huge way. No more going out to eat, no more motorcar insurance, no more luxury items – I was flat broke. When my home Heating, Ventilation plus A/C system stopped toiling, I simply did not have the money to call someone to service it. Since it would cost over a hundred dollars just to get an Heating, Ventilation plus A/C tech out to look at the system, I couldn’t afford it, and yes I could afford one hundred dollars, however that just covered the visit, not any parts or labor. Why spend the money to inspect the Heating, Ventilation plus A/C system if I didn’t also have the money to service it? Instead I took that hundred dollars plus bought a nice space gas furnace at Walmart, which wasn’t great however got myself and others through the Winter time okay. I am waiting to see what my tax refund will be love this year, if I even get one at all, before I decide what to do about the cooling system. For 2 hundred bucks I can get a portable cooling system that is fantastic enough to cool down one room at a time, so if I don’t get any money back that will be my only option.