Family Emergencies On a Budget
Welcome back!
Picture from Flickr
This past month I have had two major family emergencies which have required me to travel. As we all know, travel is not cheap. However, when duty calls, one must go. My husband and I live on a very limited budget, but we’ve managed to squeeze in the funds to go and be with our loved ones during these difficult times.
It is very easy for last minute trips to become very expensive, if one is not careful. In both cases, I made a budget and stuck to it. I also tried to ride with other family members to reduce my travel costs. I was lucky enough to live within an eight hour drive. I chose to travel by car because it was cheaper than a plane ticket. I did my homework on which way would be easier to travel. I also kept in mind that if I flew I would need a rental car.
I find that in a family emergency, that I prefer to stay in a hotel. Please do not misunderstand me, my family is wonderful and they have very nice homes. I find that when I stay in a hotel in times of crisis, my hotel room can be my place of solitude. I require this time to myself, and I find that it gives me time to decompress after a stressful day. I am also able to get a good night’s sleep. Which is vital to staying healthy during difficult times. Hotel stays do not have to be pricey. I found that in both cases staying at the chain hotels on the outskirts of city limits offers a much better room rate.
When setting a budget for a crisis, keep in mind that you have to eat. Depending on where you are, food prices can vary greatly. Just because you are on a budget, don’t eat fast food the entire time because it is cheap. When the body is under stress it is important to eat well. Budget good food into your trip costs. In driving across the country, it is important to keep in mind that a healthy diet should not go out the window, just because you are on the road. I found that I could make healthy, low cost food decisions on the road. Eat well while you are in times of great stress, you will be thankful to yourself. Eating well will keep you healthy and better prepared to handle stress.
Emergencies do not really allow time for the unexpected. Many have saving accounts for this reason. With the tough economy that type of saving seems harder and harder. With this past month, I have learned how truly important it is to have this kind of safety net of funds. I was able to make it on our income, but that is not without taking a financial hit. When family crisis hit, one would like to think that money would not factor in one’s ability to help and be there with family, but as I learned this past month, money factors very greatly. So, do yourself a favor, put a little money aside for an emergency fund, even if it only $100 bucks, every little bit helps. That $100 bucks could cover your food budget while you are gone. I will be trying to put away more that $100. so I am not caught off guard next time. But times are tough and people do the best they can.
On an ending note, while setting a budget is important while going, it is also important to understand that crisis holds the unexpected, and may require more funds than you had originally set aside. Be willing to roll with the punches but, still keep your head about you. I found on my first trip that I had set a strict budget for myself which I stuck to but, I found a needed additional expense during my trip. I was hesitant to spend the funds but, now in hindsight, I am so happy that I listened to my gut instinct and spent the money. Emergencies do not give the luxury of time to plan each dollar spent. So, if you need to spend a little extra, don’t beat yourself up about it, trust your gut and spend the money if necessary.
