Falling Through Spiderwebs

A couple of months ago BrokeGIRLrich wrote a fantastic post called Falling Through Spiderwebs. Melissa was one of the first (in fact, I think she was the first) finance blogger that I discovered in the big ol’ world of the interwebs, and I’ve always enjoyed her posts because her career as a stage manager makes it feel like I’m looking into a dark little corner of the acting world that doesn’t often get the glory (now would be the time to read Let’s Hear It For The Crew! if you haven’t had the chance).

I normally read the BrokeGIRLrich updates as they land in my inbox and then delete them, but Falling Through Spiderwebs struck a chord, and it’s been left floating around in my inbox. I sometimes get questioned on my ‘obsession’ with money – holidays or unpaid jobs can get a little stressful as I work out how much paid work I will miss out on to take them, and budgeting makes me do a happy dance.

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(seriously)

Mel’s post is such an accurate summary of one of the reasons why I have a healthy interest in squirreling money away. As a starving student, and a now a not-quite-starving actor, having a cushion between me & impending doom really does make it feel like I have a few spider-webs carefully spun to catch me if something goes wrong. Well, last week…something went wrong.

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I woke up at about 6.30am with a niggly tooth. In a sleepy haze, I mentally made a note to book a dental appointment for my next day off. Within 30 minutes that had become, ‘make a dental appointment now‘, and by 7.30 I was in pain. Like, serious pain. I couldn’t sit still, couldn’t string together a sentence, could barely muster enough mental focus to google the closest dentist.

Is anyone else getting that sinking feeling? You guessed it…

…Root Canal

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I always thought the air of horror surrounding root canals was related to the amount of pain involved with completely gutting a tooth. As a functioning adult, I can finally say that I know better-  because if there’s anything that my trip to the dentist hurt, it was my savings goals.

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Me thinking about my $3,000

For someone who takes home approx. $800 a week, $3,000 could have been catastrophic – four years ago, it would have been. So as much as those three visits hurt to the very core of my being, there’s a little sense of pride that I will be able to pay them off without resorting to credit.

Would I rather see that money safe in my Acorns or home deposit fund? You betcha. BUT thanks to my Acorns, my piddly little house deposit saving, and a few other emergency funds here and there, there are enough layers of webbing to catch me, turning a dental disaster into a slightly unfortunate setback. And for me, that security is worth all of the budgeting in the world. What do you think?


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Falling Through Spiderwebs

8 thoughts on “Falling Through Spiderwebs

  1. I totally agree with you. Budgeting and financial planning are very important tools that saves us from contingencies that comes up. We too were stuck in a same situation, when my dad was in the hospital, but budgeting beforehand helped us!

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    1. Doing SO much better! Still have one appointment to go, but I haven’t had any pain since the first visit. Needles are one of my big fears, and my fantastic new dentist let me do the last appointment without any anesthetic at all – completely pain free! I hope your Dad is doing better as well 🙂

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  2. I hope you don’t have any lingering pain!

    This is exactly why we should all have emergency funds. I’m sorry you had to use yours, but I’m glad you’d planned ahead.

    Our “perfect” new house needed unexpected and massively expensive work done in the year after we bought it. We managed it, but it really hurt the savings levels. Thank God the money was there, however. I’m just getting back to where I thought we were three years ago. Sigh.

    We earn money to use it for living our lives, though. Don’t forget that key piece of wisdom, either!

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  3. Thank you! I didn’t realise how much the tooth was hurting me until the pain stopped. It’s amazing how much the brain can do to hide things from you- I didn’t even realise I was bracing for pain every time I smiled until the pain didn’t come.

    Liked by 1 person

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