Bought a new fridge, bye buy $1300. Both a necessary purchase AND an example of lifestyle creep. OLD fridge was a pretty basic fridge. When it broke, we replaced it with a previously owned but nicer (probably 1400-1500) fridge; still top freezer, but stainless steel exterior, large capacity, glass shelves and movable side shelves. The problem was, the fridge just couldn't maintain a normal fridge temperature. It was especially bad when ice built up in the freezer (shooting up to 50 degrees or so) but even when the freezer was clear, it struggled to keep a 40 degree temp let alone anything below that.
Looking at fridges this weekend, the basic model we thought we would buy, looked chintzy and cheap so we kept creeping up in price. We ended up buying a 900 fridge (on sale from 1499) but also spent $300 on a 5 year inclusive warranty. Normally I think these kind of warranties are overkill, but I feel burned and paranoid by this experience with the used but nice fridge (we had repairmen out 2 times, plus us having to monitor the fridge constantly, clear out ice from freezer, on a relatively new, supposedly reliable brand fridge). On sale for 10% plus an additional 5% off or 12 months interest-free). Since I don't want all these overhangs on various credit cards, took the 5%, and we will use our emergency fund to pay the balance on the credit card next cycle.
Also, will be taking 400 from savings to help pay off credit card this month. Not quite kosher, but when I realized that I wasn't going to do the Greece trip, the money I saved for that I threw in the house and efund. So, will take a small portion of that to pay off the credit card.
As far as the couch on yet a seperate credit card, while we we originally agreed to pay off using house fund, the fridge takes precedence. Maybe we will go back to trying to pay off little by little, as we can.
Between the couch, the Disney trip, and the fridge, have no spare money for Christmas this year. However have 6 neices and nephews that each get 20-30 gifts, Mom and Dad at least $50 gifts. And we want to give a "nice" gift to the in-laws for treating us to the WDW trip. However everyone else, we will need to be modest with, including our own kids.