Ava
Senior Member
Joined: Jan 30, 2011 12:23:55 GMT -5
Posts: 4,176
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Post by Ava on Feb 15, 2011 20:59:39 GMT -5
I came to this board a few weeks ago feeling desperate because my condo suffered severe water damage due to a frozen pipe.
Tonight I received the very good news that the condo association is now scheduling repairs.
Sunday morning at 11 am they are sending an employee from the company that administers the condos to take pictures and determine the necessary repairs for my home.
I am relieved. It has been a nightmare. Now it's getting better.
Besides that, I am also paying off my car loan in March.
That is a biggie for me. I will be able to do that because I got a big tax refund. I know, tax refunds are not a good thing. But for me, it's better to receive a big check all at once instead of getting extra money every paycheck.
It's my method. I know I am giving the IRS an interest-free loan, but it works for me, for now.
The only black cloud on my horizon right now is that money is tight. I am talking about monthly income.
Last year my income was better because I was working overtime every Saturday. I guess I'll have to ask the manager to put me on the Saturday schedule again.
I wanted to share the good news with all of you. You guys were very supportive when I went through the water leaks inside my home.
Another thing I've noticed is that the general attitude of the posters has changed since we moved from MSN. I am under the impression that we don't have the very agressive answers and the "it's all your own fault" responses we used to get.
In fact, I refrained from posting in MSN many times because the attitude was kind of harsh for my taste.
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Sharon
Senior Associate
Joined: Dec 19, 2010 22:48:11 GMT -5
Posts: 11,157 
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Post by Sharon on Feb 15, 2011 21:06:13 GMT -5
I don't know where my post went so I will try again.  Ava glad to hear that the condo assoc. will be doing the repairs. If you have time stop by Smart Spending and maybe you can find a hint or two to help stretch the budget.  |
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Gardening Grandma
Senior Associate
Joined: Dec 20, 2010 13:39:46 GMT -5
Posts: 17,962
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Post by Gardening Grandma on Feb 15, 2011 21:35:59 GMT -5
Ava
So glad to hear it. Thank you for the update!
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busymom
Distinguished Associate
Why is the rum always gone? Oh...that's why.
Joined: Dec 25, 2010 21:09:36 GMT -5
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Post by busymom on Feb 15, 2011 22:29:55 GMT -5
That's great news! Home repairs stink anyway, & you really went thru a lot! Hope your stuff wasn't damaged.
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happyscooter
Senior Member
Joined: Jan 5, 2011 9:04:06 GMT -5
Posts: 2,416
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Post by happyscooter on Feb 16, 2011 7:28:02 GMT -5
Ava, glad to hear about your condo. And congrats on the car payoff! Re: Your tax refund, do what is best for you. Keep looking up and keep posting.  |
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Post by Savoir Faire-Demogague in NJ on Feb 16, 2011 9:23:26 GMT -5
I will be able to do that because I got a big tax refund. I know, tax refunds are not a good thing. But for me, it's better to receive a big check all at once instead of getting extra money every paycheck.
It's my method. I know I am giving the IRS an interest-free loan, but it works for me, for now.
The only black cloud on my horizon right now is that money is tight. I am talking about monthly income.
Do you realize you have just contradicted yourself. You are willfully creating your tight monthly money situation.
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Gardening Grandma
Senior Associate
Joined: Dec 20, 2010 13:39:46 GMT -5
Posts: 17,962
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Post by Gardening Grandma on Feb 16, 2011 10:21:36 GMT -5
I will be able to do that because I got a big tax refund. I know, tax refunds are not a good thing. But for me, it's better to receive a big check all at once instead of getting extra money every paycheck.
It's my method. I know I am giving the IRS an interest-free loan, but it works for me, for now.
The only black cloud on my horizon right now is that money is tight. I am talking about monthly income.Do you realize you have just contradicted yourself. You are willfully creating your tight monthly money situation. Hell must have frozen over..... This is the SECOND time this week that I've agreed with SF.... |
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Post by Savoir Faire-Demogague in NJ on Feb 16, 2011 10:25:35 GMT -5
Hell must have frozen over..... This is the SECOND time this week that I've agreed with SF.... 
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Clever Username
Well-Known Member
Joined: Jan 27, 2011 14:15:59 GMT -5
Posts: 1,313
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Post by Clever Username on Feb 16, 2011 10:59:15 GMT -5
Fortunately, I am covered and I don't have to pay for any of the damage. I don't know if the insurance would cover damage to my furniture and personal property. But I don't care because the major damage is in the empty bedroom. There's also damage in the downstairs living room, but it's just the walls and floor, and the carpet.
I know you said you drifted away.
But a quick primer on condo insurance.
The association has a policy on the structure.
You have the option to go purchase a policy on your own for your belongings. Similar to rental insurance.
Your state and those policies, will determine exactly where one policy ends and the other begins.
In my condo days, in my state, I was responsible (via my personal policy) for everything "paint inward."
YMMV
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Peace77
Senior Member
Joined: Dec 29, 2010 1:42:40 GMT -5
Posts: 3,930
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Post by Peace77 on Feb 17, 2011 10:30:40 GMT -5
If you don't have condo insurance, you need it. It is not expensive, just a little more than renters insurance. It would cover your appliances, carpet, furniture, clothing and all household contents. If there was a fire or other disaster, it would be very expensive to replace everything you own.
Have you ever considered setting up a savings account that makes automatic withdrawals with each paycheck?
You could earn interest on the money instead of loaning it to the IRS.
You could also have a little more in your monthly budget and not have it so tight.
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