Sunday night at work, I lost a bracelet my husband had given me for Christmas. I’m still looking for it, hoping it will turn up, but the truth is, I work in a huge building and I have no idea where it might have fallen off, so I’m not optimistic about finding it.
The bracelet was part of a matched set of necklace, bracelet and earrings, and it was really pretty; aside from that it cost about $300. So I feel horrible about losing it not only because it was a gift from my hubby, but because replacing it just doesn’t feel like an option right now.
So what do I do? I’m not afraid to tell him – he’s far too laid back about anything like this. (I actually love his attitude – accidents happen, is everyone OK, don’t sweat the small stuff. I am working to be a little more like him on some things!). And truthfully, even without the bracelet, the earrings and necklace are still gorgeous and will be worn regularly when I go to work or go out for an evening and have to dress up.
But it brings up the question – how do you budget for these “little” life events? I mean, my insurance deductible is $1,000, so there is no way I’d file a claim for anything this small. On the other hand, I don’t have a big curveball account (actually, right now for lots of reasons, I don’t have much of a curveball account at all!) to handle replacing oddball items like this. And until we get our debt under better control, I don’t have any extra cash to establish that type of account either!
So at this point, I’m going to have to (sadly) let it go. I won’t be replacing it, and I will miss it (hey, it was pretty, and Bruce doesn’t buy me a lot of jewelry so I always appreciate it when he does!). I may try to save my allowance up for a few months (hmmmm…. $80 a month…. at least 5 months to cover cost and taxes, if I spend NOTHING else), but I may just have to accept it is gone, and this is a lesson learned.
At least this was just a bracelet, and I can live without it. There are lots of other items that I would have had to replace if I had lost them!
So what do you do? Do you save to replace items like this? Accept that they are gone? Or go out and replace them for sentimental reasons?