Taking Care of Business

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I just responded to my advisor and the head of my Masters program at my school.

I was expecting to get a financial aid disbursement from my school on September 19th.

I didn’t get a thing.

In fact.

When I checked in to see what was going on I discovered that not only was there no money to disburse to my account, well, fuck me, I owed money!

How the hell was that possible?

I mean.

I was counting on getting some money.

I certainly got the heads up from my student loan processor that I was getting the money, and they will be happy when I’m finally out of school and start repaying them, but here you go kid, take on some more debt, it’s good for the economy.

So.

I start to scour the tuition bill and there it is, a charge for $1087.

For a retreat (remember those insanely not relaxing weeks I did at the beginning of my first and second year.  Nothing says retreat like being in class for 8 days in a row from 9a.m. to 9p.m.) I did not attend.

Third years don’t get to go to a retreat, we are in practicum so there’s no room in our schedule for it, and really, there’s no point, we’re three-quarters of the way through.

I wouldn’t have minded it, actually, the place is pretty, at Ions Institute outside of Petaluma, and the weather is great and it’s nice, but I didn’t go.

And as such.

Don’t freaking bill me!

I’ve made phone calls.

Left messages.

Gone to the office in person.

I was told to send an e-mail.

Did that.

Then I cc’d my advisor and I got great support from him, but the business office hasn’t refunded the charge yet and of course, my scholarship monies got released and they, the system, kept the $1087.

I haven’t had the rest of the scholarship money land in my bank account yet, but I will and I hope it doesn’t take to long to get the rest of the money.

I have things to buy.

Like a car!

I really have decided to do it.

I have had a lot of talks about it, done research, done more talking, prayed, ran my numbers and I think I can swing it.

Yes.

I will be buying the car with some of my financial aid money.

But I will be using it for school, certainly to get to and from my internship and work of course.

This will be the first time in my life that I have bought a brand new car.

I have owned a couple of cars, but never a new one.

Here’s the one I’m looking at.

I can swing the $150 a month payment.

Plus I’ll have to have car insurance, which I figure will be another $100 a month and then gas.

Gas is going to be a lot more than the $1.50 I put in my scooter to fill up the tank today.

I still will use my scooter, but when the weather is bad, or super foggy, rainy, cold, or nasty, well, I will drive my car.

I like saying that, “I will drive my car.”

I have owned cars before, but it’s been a long while.

I ran into my person today very serendipitously, at the Whole Foods salad bar on Market and Dolores.

I had gotten out of my internship an hour early, client cancelled, and I decided to do a little grocery shopping.

I was going to SafeWay and then I felt like, no, I’m going to Whole Foods.

Glad I trusted my gut!

I got my groceries and then we joined a mutual friend and chatted and talked and got caught up.

He’s very behind me getting a car and I’ve been ruminating on my money for weeks now.

I have six thousand in savings.

I have a credit card with a limit of $5,000.

I could, technically, buy the car outright.

I don’t know that I want to do that, I would rather have a buffer for myself.

I don’t want to touch my prudent reserve at all, I’ll be keeping back $2,000 in my savings to make sure I’m ok if something happens and I’m suddenly without income.

But I could put $4,000 if my own money down right away, and maybe run $3,000 on my credit card.

I don’t want to max that out either.

Then I can pay off the rest of the car when I get my scholarship money in spring.

I’ll do the $150/month payment and come spring, I’ll pay it off.

That’s the idea.

I think it’s pretty sound.

I’m going to take a few more weeks, but I feel pretty ready to make a move on it.

Plus, I don’t want to get caught in the rain.

“Doll, I know you’re independent, but let me state the obvious, you’re a woman, go to the dealership with a man, don’t go on your own,” my person said before I left to come home.

And I agree with him.

I will need a side kick to help me out, some one to hold my hand.

I’m pretty confident I won’t be bamboozled, but having never bought a car before I want assistance, I don’t want to do it alone, and I’m pretty sure I can find someone to go over to Berkeley with me and do that part.

I think that’s about the only thing.

That and getting my refund back from the overcharge on my tuition bill.

I feel pretty awesome about the whole thing though, I didn’t react to the tuition bill, I responded, and I have been combing my finances and seeing where I can nip and tuck and get the car.

And I really do feel like I can do it.

Fun.

A car.

It’s only been fifteen years!

I think it’s time.

 

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One Response to “Taking Care of Business”

  1. Forrest Forrest Says:

    what an absolutely joy it was to bump into you tonight. It doesn’t happen enough but when it does I’m always thrilled. And you pretty much quoted your “person” directly. Love it! Good luck with the car and continued blessings on you my dear!

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