Rules 3 and 4 are honestly saving me right now
I'm about to find myself in a financial crunch, and I'm not sure how I'd be able to handle this if it weren't for my budget.
I started with YNAB just over a year ago, May 2020, and since then I've grown my bank account balance by nearly 400%.
To cut a long and awkward story short; my house is infested with bedbugs and my roommate who has joint ownership of the place has decided that his privacy is more important than my sanity and has not allowed an exterminator to enter his bedroom. The thing you have to realize with bed bugs is if you haven't killed them all, you might as well not have killed any. They just come right back. Well I'm not calling exterminator to treat *almost* every room, since I'd just be calling them to come back every month ad nauseam.
After a long time fighting this, I've finally managed to get court approval to give me the autonomy to have the house treated regardless of my roommate's consent, but unfortunately since we've had the infestation for so long the exterminator has raised the price from their initial quote for the treatment. So even though I had made a category for this, I suddenly found it underfunded.
$2350. Ouch.
And to make matters even more complicated, I've signed a one year rental agreement on a brand new apartment complex for me to move in to at the beginning of September. I'm selling the house.
The problem here is that I've got no idea how quickly we'll be able to find a buyer who is willing to shrug off the fact that the house had suffered a bedbug infestation, even with proof of treatment. I'm also terrified that I might accidentally carry a bug with me to the new apartment, so I've made the decision to trash most of my furniture and buy new stuff after moving in.
The money I'll get back from the sale of the house will recoup these expenses and then some, but I'm extremely grateful for YNAB for giving me the immediate funds I need to cover everything until that happens.
Anyway, sorry for the rant. I just really needed to vent.