Ready for some good karma to come back to me

Things have been really stressful and hectic here, and quite honestly I'm wondering what I did in a past life that has brought me so much angst.

Nick's car broke down today. He took a half day off from work to do some consulting work (yay for padding the new fridge fund!), but his car overheated and died on his way up to Sacramento. Goodbye new fridge fund, hello repair bill. Ugh. We haven't actually taken it to a shop yet, I'm hoping my some miracle it will start tomorrow morning and run like a dream. Perhaps car fairies will visit tonight and work some magic.

We are also facing an 8% reduction in his pay, that's almost $400 a month. Holy cow, that's gonna hurt. We already live pretty frugally, I'm not sure where else we can cut back. I'm going to look into increasing our deductibles for home/auto insurance, but our rates are already fairly low so I don't think that will do much.