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If you don’t have to deal with that expense immediately, try to save up for it.  Rather wait a couple of months before buying that new fridge or fixing that dented bumper. It’ll save you the anxiety that comes with owing large sums of money.

Dealing with unexpected expenses

We’ve all had that sickening, sinking feeling. The geyser has burst and it’s the middle of the month. Money is extremely tight lately, so how on earth are you going to pay for the new geyser and repairs to your carpets?

When you have a baby, those unexpected expenses seem to creep in even more. You didn’t budget for other children’s birthday parties, emergency visits to the doctor and other household catastrophe’s.

Yes, most of us have some form of insurance, but when last were you able to submit a claim, without having to pay up front?

So what should you do when you’re faced with a bill totalling a few thousand rands?

Don’t avoid the debt

Putting the bill into a drawer and hoping it’ll go away is not going to solve your problem. It will only compound your problem, as you accumulate interest and face being listed with the credit bureau.

Instead deal with the matter immediately. Phone up the accounts department and ask if you will be allowed to pay that bill off over two or three months. Then stick to that agreement. Set reminders on your mobile phone or write it down in your diary.

Avoid the shops at all costs

Let’s face it; you never come home with only the bread and milk that you went to the shops to buy. Instead, you found an interesting magazine, some snacks and ingredients for that dinner that you’ve been dying to try. Do this often enough and you’ll waste huge amounts of money.

Why not use what you’ve already got in your cupboards and freezer? I’ll bet you could feed your family for a week on what you’ve already got.

Make some extra cash

You can always hold a jumble sale to earn some extra money. Sell your old clothes or household items that you don’t use anymore. What about that piano that you never use or that extra computer that’s sitting idly in your study? Don’t see them as things that you’d like to keep. See the dollar signs that are flashing in front of them.

Cut down on unnecessary expenses

Take a critical look at the money that you’re spending every month. Having a facial and a pedicure every month or two is lovely, but not an absolute necessity. Don’t be snooty when buying your groceries. Shop at the local discount store for a while. Do you really need that cappuccino every morning? Work out how much money you’re spending every week on those cappuccinos and you’ll be amazed. Cut back on your holidays, gym membership and cell phone use. Be stingy with your money and you’ll be amazed at how you’ll be able to pay for that unexpected expense.

Shop around

Okay, so you’ve just been told to avoid shops at all costs. But what if you need to replace a car battery or something else that just cannot wait?

Phone around to get the best deal. You’ll be surprised at just how much money you can save when looking for the best deal.

Also, try bargaining with the store owner. Very often, the retailer would rather give you a good deal and keep your business, than lose you as a customer all together.

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