How do you keep "Murphy" from ruining your attitude?

**Debbie-cat** · 10-29-2010, 05:19 PM

I stomp on Murphy, open the door and kick him out! Literally! I am very competative so there is no way in he!! Murphy is going to beat me!

On a side note....be thankful you have something to break down.

**imagine** · 10-29-2010, 05:23 PM

Originally Posted by Debbie-cat

I stomp on Murphy, open the door and kick him out! Literally! I am very competative so there is no way in he!! Murphy is going to beat me!

On a side note....be thankful you have something to break down.

Question everyone says be thankful I have something to breakdown. Doesn't everyone have a sewer line? You know that pipe/drain that all waste goes in on it's way to the city waste plant. (or spectic tank)

love the mental picture of you literally kicking him out.

**khaski** · 10-30-2010, 09:41 PM

I use 'Murphy visits' as a way to remind myself why we're working so hard to get rid of, and stay out of more, debt. After a good cursing under my breath and sometimes a tear or two, I try to remind myself when we're debt-free Murphy will barely be a blink on our radar in most cases!

**mauimagic** · 10-30-2010, 09:52 PM

My father used to lament all the time when something, anything negative happened - a real fun person to be around. I could never understand why he got so emotional about things that just happened.

Thankfully - as I've gotten older - I've had the opportunity to think about these things and realize that lifing wouldn't have have meaning or substance if everything went smoothly all the time - and that we tend to always remember the downs that happen with much more energy than we remember the ups.

We get to choose how we react to everything and I refuse to let the challenges of life get me down!!

**frugalwarrior2** · 10-31-2010, 03:47 AM

a sinking fund is a specific amt of money put into a seperate acct. for a specific purpose. Like car ins. My car ins. is $2400. a year for 4 people. If i put $200. a month,every month, I can pay 6 months at a time. My ins. co. discounts $200. if i do so I will start a sinking fund for it.
An emergency fund is money set aside for an unexpected expense or emergency. Like an unplanned car repair or dental procedure or funeral. does that help??

**ladytoysdream** · 10-31-2010, 07:20 AM

We try not to bring up the subject of money in front of the appliances and the vehicles. It perks up their radar real fast.

Our latest murphy was the truck I drive and parts it needed in August. I had to *borrow* money from our tax money we had set aside. Then sell some stuff on craigslist to get the money put back.

I try to be very thankful I had the EF money to use, and not pout because I have to find solutions to get it back in place.

Any extra money we have, like his OT, stays in the bank now as our EF/cushion. He gets paid every 2 weeks, and the 2 months that he gets that 3rd check, that money also stays in the bank and would get used for something we need, and not in the monthly budget. Like last winter, we bought a tri axle load of wood for the OWB.

Starting next year, I am going to set aside a monthly amount (sinking fund) for our school and property taxes. It will not be touched unless there is a big emergency. We never had a escrow with our mortgage. Which would have made things easier I suppose, but just did not work for our budget.

A emergency fund/ EF is a chunk of money set aside for emergences.
Sinking fund is a PLANNED amount of money per month or paycheck, in order, to have the money setting and waiting for when it is needed.