It goes without saying that December typically is one of the more expensive months of the year especially due to Christmas. There has been no exception to that this year, and oh boy has it been a costly month for me with a multitude of predictable yet unforeseeable events occurring that has really signaled to me the importance of having an emergency fund, raring to be used at a moments notice.
In hindsight I say predictable, yet you don’t know what you don’t know so a few abnormal expenses were made this month including two new tyres, headphones (required for work) and a cambelt replacement. I’ve learnt my lesson and will budget for such expensive going forward. Fortunately, this time round what I had already built in my emergency fund acted as a soft safety net that really helped adsorb the blow.