ouch! that hurt

Well, the verdict is in. Both external fan belts were cracked and falling apart causing the screeching sound when turned on. Either I miss-understood or was miss-informed but the fan belts were under a 12k/12 months warrenty so they ended up costing me with labor, parts, ect. $194.93. Car insurance cost me $105 to start and for the month so Monday was a very costly day for me. Yikes! I think there is a bike nazi out there because every time I save up for a bike and they go on sale, I have to use the money I saved for the bike on either a med. bill or some other exspensive thing. Then when they aren't on sale I don't have to fork out anything. It's happened now two or three times. What' s up?! Am I not suppose to have a bike for some reason?