For the past few weeks, something in my car hadn't been right. Some kind of loose feeling in the front end, and a vibration coming up through the steering wheel. At first it only happened at higher speeds, then it kept getting worse. It got to the point I was avoiding the freeway I usually use, and driving on slower local roads instead, because I was afraid of what might happen. I was trying to avoid a car repair until I had more emergency money saved up. But I got to work late a couple of times because of taking the longer route, and the problem just kept getting worse, so I figured I'd better not wait anymore.

Yesterday I spent the best part of 5 hours getting to and from the car repair place, and waiting for it. The repair cost $508 and there was only $80 available in the emergency account I opened awhile ago. So onto the 0% Sony cc it went. Part of the job was an alignment, and when I drove it out it was pulling to the side--the alignment was worse coming out than it went in! In addition, I discovered that the fan for the heater and a/c now only works on high. It worked yesterday. I was extremely suspicious that they either bumped something by accident, causing the fan problem, or caused the problem deliberately, to create more work for themselves. Especially because I also didn't have this front end problem until just after they did the timing belt a few weeks ago.

(I did some research online, though, and discovered that the blower resistor, which controls the fan speed, is a weak point on my car. One poor guy on a message board is replacing his 3 or 4 times a year!)

I was already on edge because of PMS (thank goodness that's over!). Burger King kept about 6 people waiting in the drive-up line before taking anyone's order, and then they messed up my order. The receptionist at AAA told me to go the wrong desk to pick up the Entertainment Book, which used up more time. My day was so messed up I didn't eat lunch til 2 p.m. or dinner til 8 p.m. (Cold BK, warmed over.)

By the time I had the chance to call the car repair place back and complain, I was not a happy camper. I'm afraid my Inner *itch took over; now I feel kind of badly. I think when I take the car back in on Friday, I'd better take them an Entenmann's coffee cake or something.

If not for the PMS--If not for the day being so rushed--If I'd had time to come home, do an aerobics tape and take another shower before work--If I'd had a chance to eat right--If I'd had time to be online a little while and chill out. And most importantly--IF I'D HAD THE $508 READY AND WAITING IN THE SAVINGS ACCOUNT--I don't think I would have snapped. You can't control everything, but if just one or two things had been different about the day, it would have made a world of difference. And one thing I can control is having money socked away.

After this, I think I'm ready to start throwing all extra money into the Emergency Account, until it's built up to a comfortable level. Rebate checks, coins, etc. There are things I've been starting to hanker for, like those nicer razor blades, a gym membership, and so forth. But if using money on that stuff means continuing to deal with emergencies in such a stressful way, it's just not worth it.