Tuesday, 23 September 2014

In Case Of Emergency

"In case of emergency" I hate those words. ESPECIALLY, financial emergency.


Be it, The car has broken down and you need the car to get to work, but you can't get the money to pay for the repairs until you have been to work, but you can't get to work until you have had the car fixed. (I can see you all nodding, I guess we've all been there)

Or you have a business meeting next week and you have NOTHING TO WEAR!!! (Looks at wardrobe full of clothes) and if you do have an outfit, chances are you don't have matching shoes (Looks at shoe rail full....oh you know where I am going with this)

Or even the cupboards are bare. You have no food in the house, you don't want to buy a takeaway because you know that money can buy you a couple of days shopping but you must eat NOW.

For me, I have an emergency credit card, one that I ONLY use in case of emergency, and then i make sure it is paid off at the end of the month when possible. (Sometimes it isn't, sometimes it is) but in case of emergency genuinely fills me with fear.

As a single parent I am responsible for the welfare of my three children. Feeding them, clothing them and keeping them warm is down to me, and me alone. I always feel terrified that one financial emergency will mean that I can't do these things for the people that depend upon me the most.

Seeing that emergency card in my purse is my buffer. It is my buffer for my children.

In case of emergency, to ME, doesn't mean that pair of designer heels that I MUST have. It is my safety net.

Unfortunately in this day and age, it is increasingly hard to have savings or money tucked under the mattress for a rainy day.

What do you do in an emergency?

I would really like to know.

Big Fashionista x x x x

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  1. This post reminds me of an ongoing debate I am having with my mother at the moment (a friendly one). Currently our financial situations are this. Me and my partner both work (me part time) but are living on the breadline. As long as nothing bad happens we're fine, but we cant save for emergencies. My dad is currently unemployed with little to no chance of getting work before he retires, but they do have several thousand saved in the bank, and a large number of premium bonds. My mother feels they are in a worse financial situation to us, because they have far less per week to live on, but I feel she is in a much better position to us because of the safety net they have in the form of their savings. Which of us is right I don't know.

  2. I got a credit card to improve my credit rating and I've had such a weird relationship with it. When I first got it I was scared to use it, but then when I began using it I couldn't stop and I got myself into some right predicaments. I'm a lot more careful with it now and I only use it to buy things over £100 (like my SLR) as if anything goes wrong I have protection :)

    Danniella x

  3. I save. Simple as. I don't update my tech every five minutes. I repair rather than buy new. I pay upfront for holidays etc and only have one a year. I don't spend what i don't have and any spare I save. I guess I live 'just in case'

    I could afford to do and own all sorts, but i run a cheap car etc etc i realise I'm lucky that I have a job and have 'spare' money but I do feel that i make an effort to have spare too. buying cheap supermarket own brand etc etc


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