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It rarely happens. If it does, well, that's part of what the savings are for. In the event that I should have a large unexpected expense, I'll use my savings to cover it.
I don't have a vehicle at the moment, I live in an apartment and I have both OHIP and an excellent private insurance plan to cover the things OHIP doesn't (vision, dental and prescriptions, mainly). The odds of me having an expense big enough to eat up all of my disposable income with the kind of urgency that requires me to cover it immediately are pretty slim.
When I get my truck, I'll start putting money aside for maintenance costs.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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