I had to pay a tree service to cut down the tree since it was hanging (oh so precariously) over our garage. Then, had to pay them to come back and grind out the huge stump left behind. The tree service did a wonderful job. I highly recommend them. Click on the link to check them out.
I was able to recoup some of the loss since it was covered by my Homeowner's policy through Erie Insurance. However, I did not plan for the extra cost.
Then, the spring on our overhead garage door breaks. This is not a repair I wanted to tackle on my own. Again, had to call in a service. Consolidated Door of Watertown came out the same day and had the repairs done within 30 minutes. So, I am getting lucky with hiring some good companies to get things done. But, this is another cost I was not planning on.
Finally, I suffered a minor back injury earlier this year (see previous post). The bill finally came and it was a doozy.
As these "extras" started to add up it got me thinking about financial planning. HOLD ON! Don't fall asleep just yet. I only want to make the point that it is important to be prepared for life's little "extras". Everyone needs to have a financial plan. If your initial thought is "Well, I don't have any extra money laying around, so no need to think about investments", I get that. You owe it to yourself to at least have the conversation about your financial future. Life insurance can be purchased to protect your income if you don't live long enough, and an annuity can be purchased to protect your income if you live too long.
Take 5 minutes and google some information on these policies, or just visit this page.
I'm always ready to field a phone call to answer any questions you might have. And I promise I won't pressure you on anything.
In the meantime, I'm keeping my fingers crossed that nothing else happens (at least until the christmas shopping is done).
