Well, that's exactly what I did *not* want to have happen.
Around the start of this year, I figured I would put off signing up for dental insurance. I figured I'd sign back up when it was time to get my next cleaning, and in the interim, I'd take really good care of my teeth. Worst case, I'd get a cavity or something and take a financial hit from that, but eh, no big deal. Result? I have a cavity, and I need not one but *two* new crowns. And my proper coverage doesn't kick in for six months.
Whew. So between that and the massive tax bill a few months ago, that's ten thousand dollars of unforeseen expenses this year. Fun!
So where does this leave me? Well, I still have enough in liquid assets to see me through to the end of September. And I'm going to go through with all my scheduled travel because I'm stubborn, I've bought my tickets already, and I'd like to have fun finishing off my unemployment. And if worse comes to worst, I can carve out some retirement investments to tide me over for a while.
But basically, this means that now I *have* to find work when I get back from Chicago -- I'm under the gun in a way that I never wanted to be going into this. My plan was, I'd set aside a year's worth of money, I'd spend a good long time not-working, and then I'd leisurely research what I might want to do for income, and then I'd deliberately pick jobs that seemed interesting and rewarding. There wouldn't be any stress involved.
Mind you, I'm keenly aware that I still have it really good. Programmers are still in demand, and I still have assets in reserve that will keep me from starving. Mainly, I'm fighting this depressing and irrational belief that I should have seen all this coming. Somehow I should have known that I'd get a tax bill larger than, I think, every tax bill I've ever received in my life, *combined*. I should have reckoned the odds better w/r/t dental coverage, and signed up for it as soon as I left NI. Intellectually, I know that this current outcome is several sigmas out from what I could have reasonably expected, but still, I feel like I screwed up.
In any case, this is hardly the end of the world. My original plan was to start finding freelance work once I got back from Chicago. That's still the plan, only now it's a bit more imperative, isn't it?
Mood: grumpy · Music: none