Over the past week my car was broken into. Very unfortunate, right?
The criminal event caught me totally off guard. I have never been robbed before and for my first time; the robber whipped me out good. He stole all big ticket items that a college student need and cherish. I was robbed of my book bag, it is not just the fact that he went in my truck and stole my book bag but it was the things in it and the way a robber thinks. When he took it, he took all the books out and left them; including my Gabber book and my Gabber planner that I won at one of the SECU workshops. I made it very convenient for him because my backpack was on wheels. Thank god I took my lap top out that night because that would be gone too...if he would have stolen that, I don't know what I would do. In fact the robber stole all my cds, my GPS, my camcorder which was inside the back pack with my curling iron and other items that I am noticing slowly but surely. He busted out my whole passenger side window and ram sacked my car inside out, on one of the coldest nights in January. In the mist of writing up my police report, I did not cry at all. I am usually emotional but I was strong that night. I was shaken by the events but I was not worried at all about money and how I was going to get my window fixed.
This situation tapped into my savings money which came in handy. Ever paycheck when I am screaming to myself to have control seemed to pay off. For this situation, I used the money that I put aside and refused to spend over the course of many pay periods. I am glad I made a budget! With the money that I saved, I had well over enough to purchase a whole new window for my car and club the weekend away with my friends to dance my pain away. In light of the terrible event that took place with my car, the police caught my robber and retrieved some of my belongings. This situation taught me to clean my car out of valuable thing that I need but am not using and also encouraged me to keep saving money through a well written budget, because you never know when something major will happen and you will need recovery money to get yourself back on track.
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I am so sorry to hear about your break in situation. It is definitely a good idea to have that savings account. A lot of people get in trouble when situations similar to yours happen and they don't have a savings account. People tend to take out the payday loans which in turn can be hard to pay back and cause credit scores to drop. Maintaining a savings account is always necessary, especially in these economic times. With the unemployment rate rising and people losing jobs everyday a savings account is a necessity. I have heard recently that you should have enough money in your savings account to cover 8-10 months of all your expenses. So even if you only spend about $500 a month on rent and any other things that means you should have $4,000-$5,000 saved up. Now this might be a little hard for people our age but as long as we all have jobs at least we can put in a little each month.
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