Posts Tagged ‘car loan’

First Payment!

January 4, 2018

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.

And Then She Went

November 21, 2017

And got a car.

Holy shit.

I did it.

Not without a bit of hand holding.

Thank fucking god for my friend who came with me.

Just having another person there was super helpful and I didn’t feel quite as overwhelmed as I think I might have had I gone alone.

And.

Well.

It was hella nice that I had a female sales person.

The person who I had been working with to set up the deal ended up being out sick and I got another sales associate, and she was super sweet, very accommodating, and really helpful.

I had really already done the majority of the work, so it was just signing the papers, coordinating with my insurance company and doing the test drive.

I was nervous about driving the car, I won’t lie, I haven’t driven a stick shift in a while.

But it was just like riding a bike.

I had no problems using the stick.

Yeah!

That’s right bitches, I got a manual transmission.

Which is one of the reasons the car was on sale and that was fine with me, I know most folks like an automatic, but this lady learned on a stick and I love the control I have in the car versus driving an automatic.

I learned on a Ford Diesel station wagon how to drive stick.

My mom taught me.

It was horrendous.

Let me make no bones about it.

She was not the right person to teach me and getting screamed at while stalling out the car at the four-way stop intersection in Windsor Wisconsin is a trauma I may well never forget, she did, however, eventually teach me how to do it.

Or she at least installed the fundamentals.

I actually feel like it was my Uncle Jeff who taught me how to drive.

My mom was bitching about my inability to get the mechanics of it at a Thanksgiving dinner with family and my uncle piped up and said, “I’ll teach her.”

And like that we were getting bundled up in coats and out the door.

I remember there was snow on the roads, and they were a little slippery, but we were not anywhere close to any other cars, and it was Thanksgiving, most folks were not getting in their cars to go anywhere, most folks were still digesting their food and watching the Packers play Detroit and wondering if they might be able to sneak a sliver more of pumpkin pie in their bellies without exploding.

I remember the truck cab was really cold and the  stick was huge, he had an old Ford.

He told me my mom was too worried about me ruining her car to relax, he didn’t give a fuck if I hit something or killed it, it was an old truck, he was fine with me beating on it.

And in that moment I felt a huge burden fall off my shoulders and I could breathe again.

He also explained a bit better to me the feeling of what the clutch did underneath my left foot when the truck wanted to shift into another gear and I could feel it much better underneath the big clutch on his car and the much smaller one on my mom’s.

I started it, popped it into first, shifted into second, got it up to speed in third, managed to not slip on any ice or snow and we drove around for a while.

I had a great big grin on my face.

I got it!

It made sense, I could feel it and sure enough, the next time I took out my mom’s car I was able to do it and I’ve been successfully driving a stick ever since.

My first car I bought on my own, with money from detassling corn four summers in a row at Kaltenberg Seed Farms–I had gotten a bonus for perfect attendance, was a Honda Civic, stick shift.

Then after that car died, it really went quick and I didn’t have the money to fix it, I got my first car in a relationship in my early twenties.

We went in halfsies on an old Jetta that was a stick.

I really loved that car.

It died soon after my boyfriend and I broke up, but for three years it was a great little car and I think we only paid $500 for it.

And when the Jetta died my boss at the Angelic Brewing Company sold me his car, a two door Honda Accord that I had for three years, also a stick shift, when he upgraded to an SUV, which were just beginning to get a lot of attention.

All the cars I have owned have been manual!

But this.

THIS.

Is my first brand new car!

I have never spent more money on a car.

The Honda Civic in high school was $500 used, the Jetta $500, the Honda Accord my boss sold me I think I paid $1200 for.

This time my car cost $12,000.

But seriously.

A new car for $12,000 is fantastic.

I, of course, did not pay the full sticker price, no way I could have.

I put $2,000 down and my car payments are going to be $186 a month.

l also pre-paid for six months of car insurance.

I just felt better doing that and I’m going to have to pay it and then I left myself room with my money, I didn’t spend the entire $5,000 I pulled from savings, nope, I gave myself a year’s worth of back up payments with that money, in case anything happens, I’ve got a year of payments stacked.

I don’t have to make my initial payment after this until January and when I do I will pay more than the $186.

I do want to pay it off faster than the loan terms, which would stretch out for six years.

But I also don’t want to hurt myself by throwing all my liquid cash at the car.

Which was nice.

I had some left over to take my darling friend out to lunch on Shattuck Avenue.

And where we parked made all the hairs on my head tingle.

We were directly across from the hotel that I stayed at when I first traveled to Berkeley to meet up with a friend and get myself reappointed with the Bay Area.

It’s not a hotel anymore, but I recognized the building and it felt so amazing and synchronic and auspicious.

Lucky, you know?

I could never have imagined the life that I created out here in San Francisco when I was sitting in that hotel room on the phone with my friend from Wisconsin trying to tell her that I had found where I wanted to be and that I was going to move to San Francisco, in fact, I was seriously considering not coming home and just leaving my entire life in Madison to die.

My friend convinced me to come home, to finish my degree, to give it another year, um, especially since we had just signed a lease on a 2 bedroom apartment, and I said I would, but I was moving to San Francisco as soon as I graduated.

And 15 years after I donated my car, my little two door Honda Accord, to the Goodwill on South Van Ness I got to drive my brand new Fiat Pop 500 home to my little studio by the sea.

Pretty fucking amazing.

And!

I found parking.

Hahahahahaha.

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And. End Scene

November 13, 2017

I made it!

I got through the school weekend.

Only one more left in the semester.

Holy shit.

Very excited about that.

Although not at all excited about the extraordinary amount of work I will have to produce for the last weekend of classes.

Four papers.

One final group presentation.

Plus wrapping all my online CBT (Cognitive Behavioral Therapy) webinars and assignments and doing all the work for my online Child and Elder Abuse class.

Whew.

It’s a lot.

But.

I’ll get it done.

I always do.

I did have a moment today, though.

I was pretty wiped out by the class, a lot of emotional content for me was coming up, shocker that, go get a degree in psychology and watch the stuff surface, and I really couldn’t even decide what the hell I was going to do with the day.

I had some ideas.

Maybe I’d go shopping.

But.

I’m trying to hold out from purchasing anything as it looks like I’m getting quite close to actually putting down money on a car.

My application for a car loan was approved and I can go into the Fiat dealership in Berkeley and get the Fiat 500 Pop that I’ve been eyeing.

It seems surreal that it’s actually happening.

I even transferred the money out of my savings account today.

I am not sure exactly when I’m going to go and get the car, the dealership actually offered to deliver it to me!

But I want to go into the dealership and go with a friend and make sure I’m doing all the things correct.

I have never bought a new car before so it’s all completely outside the scope of my experience.

Anyway.

Clothes shopping, though tempting, did not seem like the best idea.

I vacillated between rushing out and getting over to the Mission by 12:15 p.m. to do the deal, or just taking it easy and seeing where God wanted me to go.

Rushing is not what I wanted to do and so I meandered towards the Inner Sunset.

I realized I was super hungry and though I needed to do grocery shopping and I could just make food when I got home, I was too distracted and it felt like too much and when a friend in cohort asked what I was doing for self-care today, it struck me that I had no good answer for her.

“Maybe yoga?” I replied.

And it struck me that maybe I wanted to treat myself a little.

So.

I went to Marnee Thai in the Inner Sunset and got my favorite dish there–banana curry with duck and brown rice and a big mug of tea.

It was perfect.

And I did do some clothes window shopping and even tried on a few things, but didn’t buy anything.

Instead.

I went and got a manicure and perused a trashy magazine.

I got a decaf, yes, I’m that person, past a certain point in the afternoon I go decaf, cafe au lait at Tart To Tart and finally did my numbers from my spending plan for October and then did a spending plan for November.

After that.

I went grocery shopping after and that felt very good and proactive.

I did some work around the house and attended to a few small things and did some food prep.

Then.

Yup.

I wrote.

I wrote a lot.

I re-wrote the narrative completely for the “People Who Usually Don’t Lecture” folks.

I meet with them again tomorrow in between supervision in the early morning and work.

I think I had been dreading doing that work and not having an idea of how to get it going, but as I finished balancing my check book and I was sitting by my computer, I just did it.

I just kicked it the fuck out.

Then when I finished it I realized I could make the 6:15 p.m. restorative yoga class at my studio.

Yippee!

I scurried into my yoga gear and walked over, getting nice and settled in as they dimmed the lights and light the studio with candles.

So pretty.

So relaxing.

Such a nice gift to give to myself.

An hour and fifteen minutes later I came home, made a hot dinner and proofed my narrative.

I just sent it out a few minutes before starting my blog.

Super fucking happy.

I’m going to go take a shower and chill out.

Fuck yeah.

 

Oh.

And here’s the piece in its entirety, I may still change it, but well, I thought you’d might like to read it.

Enjoy.

 

Running Away From Myself

I ran away from home to San Francisco. I was 29 years old. I had just graduated from college with my undergrad degree in English Literature, which would translate to a career of asking “wilt thou like fries with that?” I had also just gotten a black belt in Shaolin Kempo Karate, and I had won an award for a manuscript of my poems from the UW Madison Book Store. I was on my way. I was going to be the next great American novelist. I had a plan.

I was going to find myself in San Francisco. A friend later told me that she was quite concerned for me, one does not find themselves by moving across country in their two door Honda Accord with all their possessions and a two month sublet in the Mission District. I, however, was convinced that I needed to move to San Francisco, it was home, Madison, was not. I never considered it to be running away from myself. I just thought I was getting the hell away from the craziness of my family.

I was running away from my mom who was smoking crack, from my sister who was shooting crystal meth with dirty rigs, from my homeless father, who would spare change for beer money outside the brewing company I was the manager at. I had been to San Francisco to visit a friend the year prior and knew it was where I wanted to be. I moved here Labor Day weekend of 2002. I had a blast. I drank, I danced, I partied, I went to clubs, I cut lines at 1015 and DNA Lounge, and one day did blow in the bathroom with a friend, maybe it was the Mezzanine or the bar at The W Hotel. I had arrived! I made so many new friends my phone could barely handle all the numbers. I was having the time of my life.

Then I started to have repercussions from all the partying. Drugs are like that, fun, fun with problems, then just fucking problems. The problems led to me getting really creative with my money, stashing it in my bra or sock or back left pocket of my pants so I wouldn’t spend it on coke. But inevitably, after a few drinks, I would call my dealer. And the money ran out, really, really, fast. I was gregarious and the life of the party, and as a dear friend told me later, “just because you didn’t go to prom in high school doesn’t meant that you get to be the prom queen now.”

Yet, I kept going. I got ominous warnings from my friends, I got warnings at work, and I pissed off my roommate for bringing the after party back from the clubs at 4 a.m. I accidentally did a line of meth in the bathroom at the End Up one night, with a new friend who I thought was giving me cocaine and two days later found myself still awake deconstructing Laura Croft in a trailer in Brisbane where my new best friend was making banana walnut pancakes in the kitchen.

I still don’t know how I got home. I started making deals with myself. Don’t drink tonight; I noticed I was quick to call my dealer after a beer. But didn’t you see how hard my job was, what assholes I was working with, and how much my feet hurt? It had nothing to do with the three grams of blow I did the night before while dancing at DNA Lounge in platform Steve Madden heels, no, it had to do with the head manager at my restaurant giving me a shitty section where I had to run all night long to serve my tables.

Things spun out of control. Faster and faster. One night I was just going to go home and a friend convinced me to grab a bottle of wine from the restaurant and go back to her place. A bum outside her door spare changed us as we were going into her apartment, I gave him a cigarette. Hours later when I left, he was still there and he offered me some crack cocaine. Of course I smoked it. And twelve hours later I found myself hiding on a piece of cardboard between parked cars on Minna Street smoking rock with a homeless man who was angling for me to become his girlfriend.   It had to stop. It had to.

I tried a number of ways to control and enjoy my drinking and using, but things just never took. No matter what I did. I lost that fine dining restaurant job, I lost friends, and I lost a lot of dignity. I left a $500 a month rent controlled room in a large Victorian house in the Mission for a room on Potrero and 25th for more than twice the rent. I figured I wouldn’t spend my money on cocaine if my rent were more expensive. I was wrong, was I ever wrong. I remember waking up one morning for a lunch shift and wondering what I had done the night before and when it finally came to me as I was getting out of a cab in front of work I was so overwhelmed I leapt out, and ran and vomited in the bushes before going in for my shift.

Finally, on January 10th, possibly the 11th of 2005, I hit the bottom that would change my life. I went to the restaurant I used to work at to see a friend, I wasn’t going to drink. Nope. I wasn’t, but the bartender put up my regular, a double dirty martini on the rocks with extra olives and a pint of Sierra Nevada. I drank a sip of the beer and called my dealer. I rang a friend, he met me out, and we went all over the city and at one point ended up at my house. He left his drugs with me, “you won’t do them will you?” He asked as he left. I did them. I stole from my friend and in that moment I made the decision, I was done, I don’t know why stealing a few grams of coke from a friend was how I smashed into my bottom, but it was. I made a cry for help. And it was answered.

It came from unexpected places. I thought I was just going to go to rehab. Instead I got introduced to a community and an amazing fellowship, and I drank a lot of coffee, a lot, I still do. Twelve years and some change later, notice my star tattoos? One for every year I’ve been sober, I still don’t know how the magic all happened, I am grateful beyond belief that it has. I get to do and be someone I never even knew I wanted to be. I am a nanny, I’ve been one for over a decade, I get to give children the kind of love and attention I missed getting as a child. I’m also a third year graduate student in psychology, I go to a full time graduate program on the weekends at CIIS (California Institute of Integral Studies) which is located on Mission and 10th in the SOMA. The back of the building abuts Minna Street.

That same street where I gave a homeless man a cigarette, and he smoked me out with crack, I was once again twelve years later. I will never forget coming out of my Psychodynamics class at the end of the semester, holding a paper I had just gotten an A+ on and hopping on my scooter to go home. As I pulled out, I heard the roll of a lighter be flicked and the inhale of breath, there was a girl, a young woman, hair up in a messy bun, eyes downcast, smoking crack on a piece of cardboard between two parked cars. She was I and I was she. I can never, not now, not ever, express the tremendous gratitude I felt in me at the moment. As I zoomed off on my scooter, from my grad school program to my little studio by the sea. I was no longer running away from myself. I was just going home.


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