Pragmatic Finance

A couple of weeks ago I received an interesting telephone call the day before I was going to return from vacation.  I don’t recall the exact words said but the gist of it was that the apartment above mine flooded.  Of course this had to leak until it collapsed my ceiling, soaking my entire room.

I had my laptop with me so luckily that wasn’t damaged.  However, my mattress on my bed and a few other items were destroyed.  Most of the things damaged were clutter I really didn’t need but hadn’t thrown away.  Think that cd you never listen to or those books you had put up to read but never did.  I did have a few pictures that were messed up and probably some other items I will sooner or later look for and realize are gone.

I tend to avoid insurance unless it’s something I know I can’t afford.  I was really glad that my roommate has renter’s insurance for the entire place.  However, had my roommate not already had it when I moved in I doubt I would have purchased it on my own.  It would have been hard to justify due to me being a college student without many things of high monetary value.

Now that it’s been a few weeks I am able begin to digest the situation.  I have decided the best way to look at it is to take solace in the fact that I won’t have to spend a few days going through my stuff to throw it away.  I always hate doing that because you tend to find some reason to keep things when you know deep down you’re not going to use them.  Well, at least that’s the best spin I can put on it.