Well I'm back home and back into my routine after a very long 2 weeks. My brother passed away on April 27th. I got the call at midnight that sunday night.
Monday morning I first went to the credit union, my emergency funds, to get $500 out.
I then went to Wachovia and put $250 in my working checking account, tucked a $100 bill and a $50 bill deep in my wallet and got the rest in 20s and smaller to be accessed quickly.
I then went to my safety deposit box and got out my BOA and my green Amex card.
The BOA has a $0 balance with a $6000 limit. The Amex card is of course next months cash.
I then went to Avis and picked up a rental car, $175 for 7 days. The airfare was running $700 to Atlanta from Tampa and of course I'd still need to rent a car anyway. So I reserved the car at 3am that night and picked it up at 11am monday morning. The woman gave me a VW Jetta. Said it was probably the best mpg on her lot. She didn't take into account my lead foot but I got 27 mpg so that was better than my pickup truck.
Tuesday night was my first inkling how much this kind of stuff costs. My mother wrote a check for $3895 to the funeral home but asked them to hold that check until the 6th and then put the charges on her American Express card so she could get the miles. (Made me laugh to see frugality in action even at a time like that. Proof it becomes a habit.)
But I needed to pay for the food for the collation afterwards. (Collation. A word that proves that my parents are in their late 80s.) That was $300. The gas burned running around up there was $80. The paper plates and stuff to feed us for a week in the hotel was $48. The gas to get to Atlanta ran me $65. The meal on the road was only $5.5 but my Daddy's coffee every morning came to $12. The family breakfast I picked up came to $85 and the dinner the night before was $92. The sodas and plates for the collation was $42. The mandatory valet parking at the hotel was $125.
Fortunately the whimper in my voice tuesday night around midnight alerted my cousin to my financial straits. She sent me $1000 to cover my expenses so that check was waiting for me when I got home on Sunday May 4th.
Thank GOD for family. SO many people chipped in to help us defray costs. The NYT obit was $418 for just 7 lines!!!
The other beautiful thing was that I've never seen my family rise to the occasion before. What an awesome group of folks in my family. The strength and support and love was unbelievable.
Additionally when I returned to work the sweet folks I work with had done a collection for me! $465. Unbelievably kind. So at this point my credit card is back to a zero balance and I am only down $83 in my emergency fund. Thank goodness I had things in place so that I could jump into action first thing Monday morning. The only thing to give me pause is what if that call had come on Saturday night. I'd have had to wait until Monday for the banks to open. So I think I'm going to keep 1 card frozen in my house so that I can leave anytime.
(And yes he was young, 45, but so so sick. He had been battling leukemia since 2003 and these last 6 months had been brutal. Poor thing was suffering terribly so it is a relief not to have to watch him in such pain any longer. So sad.)
Oh and Quicken says that I crossed over into the black on Tuesday the 6th. I'm solvent again. But so in the habit of being frugal that when I went to take myself out to dinner I merely drove around and then went back home. I couldn't spend my money in a restaurant.