It has been one of those months.  The garage door broke =$230, the car needed repairing =$600, and the car insurance is due =$900.  Ouch.  Did I mention Christmas?  It’s been a painful month of broken things, and I am thankful we had some financial reserve.  The timing of it all wasn’t so good with Christmas, but at this point I just have to be ok because we still have jobs and… Read More