Should We Ask My In-Laws to Pay For This?

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Far be it from me to get in the middle of this Catholic circular firing squad death-match thingie y’all have goin’ on down range here…but I do want to put forth a new facet for discussion: The Emergency Fund.

(I’m not saying the OP has one, doesn’t have one, wants one, loathes one…I’m just saying that it’s really important, especially if you are that close to the edge.)

Would this type of repair fall under “Emergency Fund” utilization, or is it not that much of a priority?

scurries back behind the firing line
It wouldn’t be much of an emergency for me. The great thing about being an adult is you get to decide how you spend your own money. It bothered my in laws that I didn’t use emergency funds to repair the A/C and windows in my car. They thought I was bonkers and wanted to loan me the money to fix it. I waited until I could afford a new car.
 
Far be it from me to get in the middle of this Catholic circular firing squad death-match thingie y’all have goin’ on down range here…but I do want to put forth a new facet for discussion: The Emergency Fund.

(I’m not saying the OP has one, doesn’t have one, wants one, loathes one…I’m just saying that it’s really important, especially if you are that close to the edge.)

Would this type of repair fall under “Emergency Fund” utilization, or is it not that much of a priority?

scurries back behind the firing line
I was actually wondering the same thing. We have a small emergency fund, but I regard it to be used only in the face of certain death.
 
I was actually wondering the same thing. We have a small emergency fund, but I regard it to be used only in the face of certain death.
No, you set the rules for using it. Certainly nothing wrong with using the emergency fund and counting on family help if you’re facing death. Besides that it’s probably not enough to avert an untimely demise anyway.
 
No, you set the rules for using it. Certainly nothing wrong with using the emergency fund and counting on family help if you’re facing death. Besides that it’s probably not enough to avert an untimely demise anyway.
In the case of a catastrophic event, true.

I more mean that it would only be used for absolute necessities - food, water, shelter, medicine. For a car repair to qualify it would have to be my husband’s only means of getting to work and not driveable.

If our fund had more in it, I’d probably be more generous with what constitutes an “emergency.”
 
No, you set the rules for using it. Certainly nothing wrong with using the emergency fund and counting on family help if you’re facing death. Besides that it’s probably not enough to avert an untimely demise anyway.
Totally agree. Like in Burt’s case he didn’t want to use it to fix the AC but someone else may have done just that. Neither is wrong.

It also depends on how big the fund is and if you can comfortably (well, comfortably by pennsmama standards which are waaaay more Spartan than mine) cover the essentials in case of loss of job.

At one point in our marriage (prior to kids, moving, 2 job losses and increase in expenses) DH and I had an emergency fund that would have covered us like royalty for over a year. At that time we dipped into it for a new washing machine to replace one that wasn’t fully broken but was on its way and beyond the age of making repairs economical. It would joyfully dance Into the hallway and block the entrance to the bedroom. Point is, we got something that was more of a “really really want to avoid the annoyance of the issues” rather than a “if we don’t pay this bill we will be homeless” kind of emergency.

Now, with as small as our fund is, if any appliance gives me trouble I beat it into submission and show it the checkbook.
 
My in-laws are very similar.

In fact, I wind up filtering myself to avoid getting stuff or money from them, because they would feel morally obliged to help us if they heard about any need.
My in-laws are this way as well.

It’s a complicated situation, but the door WORKED before FIL messed with it, albeit not perfect working order…I don’t know I wouldn’t ask them but I’m sure my in-laws would fix it without even being asked, and like a previous poster mentioned they’d probably fix anything else wrong too!

I am truly blessed with my in-laws.

We grew up with a mini-van and a van with one door, they didn’t have the two door ones. Not saying I don’t appreciate the two doors on mine though. I hope you are able to get it fixed soon!
 
Well, the OP may have gotten the impression that you had no compassion for her when you said that she must be avoiding fixing the door in order to buy, and I quote, “cell phones, I-pads & big screen TVs,” rather than assuming the best of her, which is true–i.e., that finances are sufficiently tight that she’s not using toilet paper, much less buying big-ticket luxury items. At the same time, you implied that she doesn’t work (“that’s what we work and save money for.”) or save money, when actually, until she was really late in pregnancy she was caring for numerous kids in her house in order to earn more money while being a SAHM and does all the money-saving stuff I enumerated in the earlier post.

When a number of us called you and others on that attitude, the general turn of the conversation became simultaneously to attack her for wanting the luxury item of a second minivan door and to attack her for not fixing such an urgent safety issue ASAP–never mind that it did work until a few weeks ago, and as the OP pointed out, once it stopped actually working it became a rather higher priority. It’s only been broken like this for a few weeks, and was working acceptably until that point. If you’ve ever had kids yourself (I have no idea if you’re married, male, or female–this is not a snarky comment), you may be aware that the first few postpartum weeks (and the OP is only a couple of weeks PP) are both intense and busy, to say the least. Repairs for things that aren’t going to actively catch fire or explode go rather further down the list than trying to get what little sleep you can, recovering from labor, and figuring out breastfeeding all over again with a new person while chasing a toddler and preschooler.

She asked a reasonable question, and agreed with the majority of the responses–i.e., that she shouldn’t ask. What she objected to was being attacked on all fronts: don’t have kids unless you can afford every penny of every expense that comes up immediately, but have as many kids as you possibly can; this is an urgent safety issue and she’s a neglectful parent for not fixing it, but she’s also a Suzy Soccermom driving a “brand-new” (no, it isn’t) minivan for which she should be grateful, and she must not be grateful if she’s wanting the second door, which is obviously nothing but a gross capitalistic luxury, fixed; she must be spending money on big-ticket items while spending the family’s money freely to maintain her upscale lifestyle, but she should give up the job that brings in extra money because a second car itself, much less central heat in her house, is a luxury for which she should be ashamed.

And people wonder why moms are more prone to postpartum depression than they were in the past, or why they don’t feel supported by the church, or why women are less interested in having big families now than they were. Shockingly, when, as a mom, you’re attacked at every turn no matter what you do by the very people who are supposed to support you, you feel less and less like putting yourself in a situation in which you know you’re going to get jumped over and over and over again.
Right.
 
I was actually wondering the same thing. We have a small emergency fund, but I regard it to be used only in the face of certain death.
You might want to be a little less strict than that! For instance, some people have an emergency fund that they won’t tap into unless at least one of their breadwinners is unemployed. That’s not certain death; that is just cash flow arrest.

At any rate, prudent financial planning advises in favor of regularly contributing to a fund to accommodate the foreseeable regularity with which substantial unforeseeable expenses always come up. (Not that establishing a fund makes the money materialize–I do realize that!)
 
Ah, I see. In that case, Max’s mom should have waved a magic wand, and presto! The money would appear to fix it!

Seriously, it’s amazing how many people just don’t know what it’s like to be hard up. “It’s horrible that you didn’t fix X!” “Well, it was that or pay the rent, and I prioritized my kid having a roof over his head.” “That’s YOUR fault for not having a better job!” “Right, well, that may or may not be the case, but it won’t get the muffler fixed, now will it?” “You lazy, selfish person!”

How is this productive, again?
Right.

Then if you borrow the money to do the thing, that just means that next month (when there’s going to be another unexpected thing to take care of–there always is), you have even less money to deal with it. There’s potential for a spiral of debt, with the family’s spendable income being further and further constricted by growing payments, until finally it’s time for bankruptcy.

That’s the scenario that pensmama87 has been working so hard to avoid.

And that’s not far-fetched. There are over a million bankruptcies every year in the US.
 
You might want to be a little less strict than that! For instance, some people have an emergency fund that they won’t tap into unless at least one of their breadwinners is unemployed. That’s not certain death; that is just cash flow arrest.

At any rate, prudent financial planning advises in favor of regularly contributing to a fund to accommodate the foreseeable regularity with which substantial unforeseeable expenses always come up. (Not that establishing a fund makes the money materialize–I do realize that!)
Right. That is the plan, eventually - it’s just that the interest rate on our student loans are so high that it makes way more sense to me to pay them down (though at the moment we can only afford the minimum anyway, until we have more income) than put any extra in an account that is going to earn next to nothing. Ideally, I’d like to have 3-6 months of our expenses as our emergency fund (DH would be satisfied with 3, but I’d rather have 6).
 
Right. That is the plan, eventually - it’s just that the interest rate on our student loans are so high that it makes way more sense to me to pay them down (though at the moment we can only afford the minimum anyway, until we have more income) than put any extra in an account that is going to earn next to nothing. Ideally, I’d like to have 3-6 months of our expenses as our emergency fund (DH would be satisfied with 3, but I’d rather have 6).
This is actually where I break the Dave Ramsey rules. My largest loans are 6.8%, and my smallest is 0.24% (I qualified for a huge rate reduction on that one after paying on time for so many months). You bet I’m paying off the 6.8% ones first.
 
It wouldn’t be much of an emergency for me. The great thing about being an adult is you get to decide how you spend your own money. It bothered my in laws that I didn’t use emergency funds to repair the A/C and windows in my car. They thought I was bonkers and wanted to loan me the money to fix it. I waited until I could afford a new car.
That’s reasonable. We’re doing the same thing with an epic crunch near a head light. It’s a $1,000 repair (we got the estimate) on an at best $1,500 car.
 
I was actually wondering the same thing. We have a small emergency fund, but I regard it to be used only in the face of certain death.
I would say it depends how small your small emergency fund is and how big the repair is. If it’s a $200 repair and a $1,000 fund, I’d say do it, but if it’s a $400 repair out of a $500 fund, I wouldn’t.
 
Totally agree. Like in Burt’s case he didn’t want to use it to fix the AC but someone else may have done just that. Neither is wrong.

It also depends on how big the fund is and if you can comfortably (well, comfortably by pennsmama standards which are waaaay more Spartan than mine) cover the essentials in case of loss of job.

At one point in our marriage (prior to kids, moving, 2 job losses and increase in expenses) DH and I had an emergency fund that would have covered us like royalty for over a year. At that time we dipped into it for a new washing machine to replace one that wasn’t fully broken but was on its way and beyond the age of making repairs economical. It would joyfully dance Into the hallway and block the entrance to the bedroom. Point is, we got something that was more of a “really really want to avoid the annoyance of the issues” rather than a “if we don’t pay this bill we will be homeless” kind of emergency.

Now, with as small as our fund is, if any appliance gives me trouble I beat it into submission and show it the checkbook.
Funny!
 
Goodness! I think we all need to just step back, take a deep breath, open a nice big bottle of wine and have a group hug! 🙂
 
How is a newly-postpartum woman with an infant, a toddler, and a preschooler, not to mention a bad back, supposed to be doing tree trimming?

Though the OP does babywear…I have a sudden and rather hilarious vision of a mom with a baby in a wrap on her chest hanging off a tree by a rope while using a chainsaw on outlying limbs… 😃 “Babywearing lets you keep your hands free to do all those pesky chores you can’t do with one hand!”

She might even get some sort of endorsement deal from Moby!
:rotfl:
 
Goodness! I think we all need to just step back, take a deep breath, open a nice big bottle of wine and have a group hug! 🙂
Or chocolate, depending on our taste and the circumstances. At least it’s not Lent so we can celebrate 👍 :grouphug:
 
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