One of the problems we all face is that we never know when an emergency will pop up that needs extra dollars to throw at it. A stove, a dryer, maybe your furnace… almost anything can happen, and these days nothing is cheap, especially if you have to have someone install whatever you need.

Then, of course, we had too work our way through the pandemic, when many stores were increasing prices of pretty much everything because of the shortages of pretty much everything. Some items you could only get by going to sites like eBay and Amazon because the supply chain across the board had slowed down considerably.
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