First Payment!

by

And I made it a double.

Just because.

I just did my first payment on my car loan for my new car.

There was some confusion regarding what I needed to do and I was a bit perturbed today that I had to make a lot of time to email back and forth with the sales person at the dealership to figure out what to do.

For some reason, and I don’t believe it’s because they wanted me to have a free car, I was never sent the bank information regarding my car loan repayment.

I knew from reading over the paperwork that my first payment was due tomorrow, 1/4/18.

I sent the dealership a message on 12/3/17 to make sure that I was ready to go and it being the holidays and all, which is why I’m assuming things slipped through the cracks, that I should have it set up before the new year.

I was assured the paperwork was being sent out to me, but I never received anything and right around New Year’s Eve I realized that hmm, I still haven’t gotten my loan paperwork.

Three e-mails later and it’s now the 3rd and the payment’s due tomorrow and what the fuck?

I was getting snippy and I ended up taking a big deep breath at work and resending an e-mail apologizing for being short, saying that I felt a little dropped and was concerned that I was not going to get the information needed to pay the loan payment and I had to laugh at myself, really laugh.

Because.

There was a time when this would have not been a concern, not a worry, not a blip on my radar.

A. I would never have bought a new car, I would have been doing too much blow to be able to afford a new car.

B. If I had somehow finagled a new car, it would be their fault that I didn’t pay the payment on time and I would have played the victim card.

Nope.

Instead.

I just made my last e-mail a simple one of, hey, forgive my shortness in my prior e-mail, I’m concerned and want to make sure the payment is made, please advise.

And.

That worked.

The salesperson apparently, which of course, makes total sense, has nothing to do with the loan company and it was the dealership itself that dropped the ball getting me the paperwork.

Which is odd, as I did get my plates and registration.

And so she, my salesperson, found out where the loan was being held and got a hold of the number for the bank and forwarded that on to me and as of a few minutes ago I made my first payment.

It felt very nice.

I made a double payment and I am going to try to do that as often as possible.

I want to always pay more on the loan than I need to.

I would love to pay it off faster than the financing on it.

Less interest and I just like taking care of my bills in a timely manner.

I could have actually put a little bit more on it, but I also have been advised to have a year’s worth of payments in my prudent reserve, so I have that and if anything should happen, I’m ok.

I’m not too worried though.

I just got a nice raise at work, 5% thank you very much.

And I should get a good tax return.

Plus.

I won’t have to start paying back my student loans if I transition right into the PhD program at school.

I’ll take the summer off from school, but as it’s just three months, I won’t have to start payments on my loans for school.

If I took off more than six months I would.

So it’s important for me to apply for this fall to get into the PhD program.

I want to anyway, I want to keep my momentum going, I want to be in the habit of school and classes and keeping one foot steady in front of the other.

I see a lot of folks take time off from school and it just gets drawn out further and further.

I prefer to get it all in now, line up my ducks, knock ’em down, getter done.

I’d like to pay off my car by the time I get my PhD.

I think that’s entirely possible.

Paying off the car within three years.

At the rate I’m supposed to pay it off it would be done in 2023.

But if I make double payments, well, that’s half the time and it would put me around 2020, same time I’d be graduating with my PhD.

It will helpful as well to have the car loan paid off before I have to start paying off the student loans.

Anyway.

Numbers and money and time.

I’m just really grateful I didn’t have to ride my scooter in the rain today.

I’m super grateful I got to listen to music going to work and coming home.

I’m über grateful that I found good parking in my neighborhood.

And very, very, very happy I made my first payment a double payment and that I got it in on time and I was nice to the salesperson.

Patience, tolerance, kindliness, and love.

That’s what I want this year to be about.

Oh, yes.

It’s definitely.

All.

About.

The.

Love.

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