What's a girl to do?

Whenever we have a large bill to pay, we generally don't have the money to pay it. Up until now, my husband has not discussed with me how a bill like this would get paid. For example, there was a balance on his Discover card. When I looked at our joint Mastercard, I saw that there had been a cash advance. I asked him why. His response was that the interest rate on the Mastercard was lower than the Discover so he advanced the Mastercard to pay off the Discover. I was very angry, but I kept my calm. (I still get angry thinking about it.) I explained that if he would discuss these issues with me before making a decision, perhaps I can do something to help.

Earlier this week, my husband said to me, "Here's our bonus!" Of course I asked, "What bonus?" Well, he said that it was a reverse bonus as he hands me our sewer assessment. It's $1,200 and it's due on November 1. Darn Ninja bill! I'm sure somewhere in a conversation a long time ago he told me about this. Unfortunately, I can't remember. He did remind me that I asked him to tell me about these bills before making a decision. For that I am truly grateful.

Now the question is how are we going to pay this bill by November 1? He said that he has $400 in a savings account. That means we need $800.

I have $1,000 in my emergency fund, $1,500 in the Christmas fund, and $400 in my snowflaking fund. My challenge is this: How can I pay the $800 balance withough touching the emergency fund or the Christmas fund?

1. I will definitely use the $400 from the snowflaking fund. That makes $800 (my husband's $400 plus my $400) towards the Ninja bill, and I still have to find $400.

2. The Christmas account is funded by $200 every two weeks. I could cancel the transfer to the Christmas fund on October 31. That's $200 more towards the Ninja. Now I need another $200.

3. I was planning to increase the Christmas fund by an additional $200 every two weeks, beginning with the October 31 paycheck. I could put that off until my first November paycheck. (I wanted to give C1 and C2 computers for Christmas, but my husband balked at the idea.) Anyway, that's a post for another day.

Well, that's what I plan to do. My husband's $400 plus my $400 plus the $400 from my October 31 paycheck. Plan B will be to dip into the Christmas fund. The sewer assessment will be a Ninja bill no more!