Knock on wood, but I think it is official that our financial luck is turning around.

I feel like ever since I smashed the side of my van last year (into a pole), it's just been one thing after another! $1k here, $2k there. Neverending big bills and suprises.

Turning point? We didn't end up spending much of anything for our Hawaii trip. BM suddenly doesn't need $1k+ of dental work, after all.

The latest? I got our flood insurance renewal. IT was supposed to cost an extra $1k, for this year only. (The amount of our flood insurance is 100% political. I've ranted before. It was a 500-year flood zone or something, when we bought our home. We were skeptical and have always had flood insurance - we live in a basin next to a river - it's kind of "duh" thing. Since Katrina and all that, we have received a lot of focus for being in a very similar situation. The plus is that there is ton of money being piled into improving levies here. The bad is that we are now considered a 10-year-flood zone. Seems about as ridiculous to me as the 500-year designation. The rates we pay for our flood insurance still depend on the whim of all the politics. We were supposed to pay higher rates for the year 2010 (though certainly not what we probably should pay for a 10 year flood zone!!). We were going back to $300/year annual rates for the next 2 years, ideally until levies improved enough to warrant 200+ year protection.

So, as I understood it, we would need to cough up $1300 for this year. I haven't really focused on the "hardship" of that. Was just relieved we were getting so many breaks in the interim, until this is all worked out. But, all the same, it was going to hurt our bottom line this year.

So, I got the renewal, and I Was pretty pissed off, to get a bill for $300. I told dh that everyone was an idiot who didn't know what they were doing.

But I called my insurance agent today, and since we have had "continous coverage" for "so long," we get to keep the old rate.

I am still a little skeptical, but I have it in writing.

I was feeling uncomfortable moving $3k from savings to our ROTHs, this year. Wanted to be a little better off with the savings. However, I will probably fund $2k from our tax refund. & wala, here is another $1k I Didn't expect. So I am feeling more confident about reaching our financial goals for the year.

I am so happy about this! IT's like I found about $2500 during the last 2 weeks alone. What a load off!

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To celebrate, I am setting up an appointment with our auto mechanic. I really thought we could just live until next summer with the broken AC thing. Meanwhile, it's been HOT here. So, I give up.

It's supposed to cool off in a few days, and it might not matter at this point. But, I suppose I no longer have any reason to suffer through any more freak hot spells. I don't expect it to be much to fix - just a recharge. Will see.