My heart is having a real struggle with my head at the moment.
Since Peggy and Sue sadly went to the Bridge this year I have a big empty hutch which I have to walk past every time I feed my trio. I keep looking at the buns in need and some of them really tear at my heart BUT money is a consideration.
I did wonder about fostering but the local rescue doesn't do the sort of fostering where all vet bills are paid for. I also think I may get too attached to the buns, given how I ended up keeping Tabitha's kittens, despite being offered homes for them.
I can afford the routine care of the animals and have budgeted for nine sets of vaccinations and now only have seven buns - it's the unexpected vet bills that throw me. Molly's recent £600 bill meant I had to take out a personal loan to clear my overdraft. If she had been insured I would only have had to pay the excess.
So, my heart is telling me to rehome another couple of young buns and to get them insured. George and Gemma are both insured so I know what the premium would be and that is do-able.
My fixed rate mortgage comes to an end this month and so my mortgage payments will reduce by two thirds (it was fixed for three years at a very high rate) and I have also changed my home insurance provider which has saved me £50 a month. Even if the mortgage rate increases it would take years to reach the rate I was paying (according to the bank). This means my financial position is nowhere near as dire as it was. I also now have the opportunity to do some overtime at my night job by going on-call during the day at weekends.
What do you all think?
Since Peggy and Sue sadly went to the Bridge this year I have a big empty hutch which I have to walk past every time I feed my trio. I keep looking at the buns in need and some of them really tear at my heart BUT money is a consideration.
I did wonder about fostering but the local rescue doesn't do the sort of fostering where all vet bills are paid for. I also think I may get too attached to the buns, given how I ended up keeping Tabitha's kittens, despite being offered homes for them.
I can afford the routine care of the animals and have budgeted for nine sets of vaccinations and now only have seven buns - it's the unexpected vet bills that throw me. Molly's recent £600 bill meant I had to take out a personal loan to clear my overdraft. If she had been insured I would only have had to pay the excess.
So, my heart is telling me to rehome another couple of young buns and to get them insured. George and Gemma are both insured so I know what the premium would be and that is do-able.
My fixed rate mortgage comes to an end this month and so my mortgage payments will reduce by two thirds (it was fixed for three years at a very high rate) and I have also changed my home insurance provider which has saved me £50 a month. Even if the mortgage rate increases it would take years to reach the rate I was paying (according to the bank). This means my financial position is nowhere near as dire as it was. I also now have the opportunity to do some overtime at my night job by going on-call during the day at weekends.
What do you all think?