A Bite Out of Emergency Funds

It’s not been a good year for my ‘gnashers’ – having had to resort to using my newly established emergency fund to pay for the repair of a broken tooth (I was eating fish fingers!), I’ve suffered another mishap which will take another big ‘bite’ out of my emergency funds.teeth

This time, the offending food items that caused the damage were crisps! Not that the flavour had anything to do with it but in case you’re interested, prawn cocktail flavour!

Munching on said crisps broke of the corner of one of my back teeth, which in turn damaged the filling in the tooth next to it too! Ouch!

The ‘ouch’ is for my emergency fund, rather than for my teeth, as the total cost for the work will be £320! I was fortunate that I was not in any pain or discomfort (except when actually undergoing the treatment…) though of course that I’m pained that I need to fork out so much for the treatment!

I am however really glad (again) for deciding to start up my emergency fund.

I’ll be able to claim about a third of this back under my dental plan (the most I can claim in any one subscription year) but this still puts a serious dent in my emergency fund plans.

I should still be able to achieve the goal, just need to make sure I divert enough into it for the rest of the year.

I guess I really need to be careful with crunchy food!

8 thoughts on “A Bite Out of Emergency Funds

  1. Crunchy food and fish based food best avoided by the sounds of it! 🙁

    Good job you started filling the emergency fund up as it’s come in handy this year! We just keep a nice buffer in our current account for any mishaps, I’m tempting fate massively here but we haven’t had any unforeseen expenses yet so far in 2016

    Good luck to the gnashers in future! 🙂

    • Cheers TFS.
      Some years, there have been no emergencies, other years, there have been a few. I’m just glad I’ve built up this little buffer now in a year where I’ve needed to use it!

  2. The first and most important thing is to look after your health Weenie, but you probably know this already.

    It always surprises me when people skimp on health care but will happily spend silly amounts of money on houses, house modifications, cars, bikes, general pointless crap etc.

    It’s great that you are in the position of having an emergency fund. Well done.

    • Hey TBM
      Thanks and yes, when I mentioned my dental bill at work, a couple of guys piped up that they hadn’t been to the dentist in YEARS because they didn’t like dentists and because ‘it was too expensive’! So what will happen when they have no choice but to go because their teeth are falling out!?

      I try to do my best now – should have done better when I was younger , I guess.

      Hope all’s well with you and yours and thanks for stopping by.

    • Hey TI

      Ouch! Hope that wasn’t too painful tooth-wise or wallet-wise!

      I used to love pork scratchings….not eaten them in ages because of my not-so-robust teeth! 🙁

  3. Hey Weenie,

    Sorry to hear about your teeth woes. From what you’ve said, it sounds like anything fish/sea related and anything potato related is off the menu…so no fish and chip suppers for you any more Ha ha only kidding.

    Although you’ve been trying to build up your emergency fund as part of your goals, it must feel good to know you’ve got it to use in situations such as these. I too am in the process of building up a bit of an emergency fund buffer, I reckon I’m aiming for about £1,000 eventually.


  4. I have learned to look at teeth as a lifelong investment, same with health. If possible go every six months for the checkup, preventative maintenance is always better then the alternative. Although this tooth seemed like a fluke. Hope everything is ok .

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