Posts Tagged ‘car payment’

I Was All Upset

August 4, 2018

I was going to entitle this blog “motherfucker.”

I got another bill from the endoscopy procedure.

$899.

Why the fuck do I pay so much in insurance?

And get so damn little?

Which I am sure will be on my mind tomorrow when I go in for my dentist appointment.

The last time I was there the dentist said I should get a mouth guard.

And of course, it’s not covered by my dental.

I am not sure what my dental covers, truth be told, I’ve paid a ton out-of-pocket for the work I have had done.

The mouth guard will run about $400.

Which I have been preparing myself for and have not more animosity about it, I need it, I don’t want to grind my teeth at night, why am I stressed?

Bwaahahahahaha.

Sigh.

But I wasn’t expecting another damn bill from the endoscopy.

It feels like I just paid a bill.

For about $900 not even a month ago.

However, there it was, all cheerful and cheeky with its return envelope in my mail tonight when I got home.

Ugh.

I opened it and tried to not pay attention to it, I got a phone call right as I did.

Give the person on the line your complete attention, they are important, not this stupid letter that looks suspiciously like a bill.

Looks like a bill because it is a bill.

I looked at it after I got off the phone.

$899!

For things your insurance doesn’t cover.

There was a big block of letters in the billing area, “insurance company does not cover,” well isn’t that terrific?

I was about to fish out a stamp and write a check and put it in my wallet to mail tomorrow, but then I thought, fuck it, save the stamp, just pay it now, get it over with.

I have the money, I was just hoping to put it towards a new place, not old medical bills.

I got online.

I got logged into their weird payment system.

And!

I don’t have a bill there!

No bill means nothing to pay.

I wondered about that, was I billed twice?

I decided to just double-check and I called the number on the bill and logged into my account, which confirmed that I have nothing outstanding!

Zero balance.

I just chucked the bill in the trash.

Fuck you bill.

The nice thing, now that I don’t have to pay the bill, fingers crossed it would suck if that suddenly changed, but the nice thing was that even though I had a  momentary hissy fit, I wasn’t really balking at paying it.

I was just going to get it over with and pay it.

I am grateful for that in my life.

That I pay my bills when I get them.

I don’t like owing money and I have worked really hard for the last 13 years to be really clean with my money.

I don’t always succeed.

But I don’t owe any money to friends or to medical institutions (it would seem).

I owe money on my car, but I tell you what, with the exception of one month, I have paid double my car payment every month.

I am pretty happy about that.

I plan on making a payment tomorrow, I do them on the 4th when the payment is due, despite not really owing one, my next payment isn’t due until December, I’d rather just keep the habit going and I’ll pay tomorrow.

Hell I may even just pay it tonight to get it out-of-the-way since I’m writing about money and finances.

And, of course, I owe on my student loans.

But I’m not in default and I do pay them when I’m not enrolled in school.

I also don’t owe any money on any credit cards

Or, as the case may be, the one card I have.

In fact, I am thinking it’s time to cancel the damn thing.

I got it last year after being persuaded by a friend and haven’t used it once.

I could be accruing travel miles and such, but really the thought of using it wierds me out.

I had credit card debt, and a fair good bit of it.

I worked really fucking hard for a few years and got it wheedled down and then, yes, upon the suggestion of a lawyer, I filed for bankruptcy.

It’s a little complicated, but basically I spent two years busting my ass to pay off debt that was mostly acquired when I was in early sobriety.

I had run up my cards, got sober, and then was so broke and destitute for my first year that I never made any payments.

And boy howdy did that add up fast.

The interest on the cards skyrocketed and it was worse than paying off a loan shark.

I think I had 9% on one card that went to 28%.

And the other had started around 12% and was at 31%.

My lawyer basically told me I would never get out from under it, that I had made a huge effort to rectify the situation, I really had, worked so much for those years to work with the collection agencies, to the point I was on a first name basis with two different women, made amends financially, did the work, read front to back twice “How to get out debt, stay out of debt, and live prosperously,” by Jerrold Mundis, that I had records of all my payment plans, of everyone I had talked to, that I kept track of how much I spent and that I hadn’t any other debt, was huge.

I handed the lawyer such an enormous amount of spending plans, budgets, records, and notes that he literally was able to turn around the case and file it within two weeks of me seeing him.

I guess normally it takes longer because the lawyer has to do all the work that I had been doing for the past years.

So.

Yeah.

I’m not really interested in that kind of thing happening again and though I understand my friend’s reasonings, I think I am going to just cancel it.

Feels better.

Not as good as throwing away that medical bill.

But damn close.

Damn skippy close indeed.

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Salad Days

July 7, 2018

After some lovely eating in New York last week I have become a kale salad girl today.

I needed some roughage and being back in California with a semblance of actual summer in San Francisco, I have definitely gotten my salad on.

I forget sometimes that I will have these little runs of certain types of food.

I always identify kale salads with sitting outside on the back porch with my feet up on a wrought iron chair soaking in some sunshine.

I will miss salads on the back porch.

I don’t know where I am going to be yet, but I can’t imagine being here much longer.

Even though I did so much inventory yesterday and prayer and mindfulness, even though I had a clear feeling for what needs to happen next, I got up in my head last night and couldn’t go to sleep.

I kept having angry conversations in my head.

I literally said out loud, “enough!”

I tossed and turned and sleep took too long to come.

I was mostly angry.

But a few times I cried too.

I would distract myself from the angry with pleasant thoughts and then those would turn around and bite me on the ass and become sad.

I gave up.

At some point I did fall asleep, but when I was supposed to get up and go to an early morning yoga class, well, I just couldn’t.

I will try again tomorrow.

Today I just let myself have the extra hour of sleep that I should have gotten last night.

I kept myself busy today to try to not ruminate too much on what is going on and to be in the uncomfortable place of not knowing.

I really don’t know how this is all going to turn out.

I feel like I am in a very dark hallway.

So.

I took whatever actions I could today to be positive and to take care of my own business.

I made a car payment.

I paid my phone bill in advance.

I paid my student loan in advance.

Yeah.

That.

I had not known that the loan company was going to sock me with a payment, I got hit when I was in New York and it made me burst into tears.

I had spent many minutes on the phone a few months back, right before I had graduated, making sure that my student loan company knew that I had been accepted into a PhD program, that I was enrolled and registered.

I was assured that all was good.

Except.

Well.

Haha.

Jokes on you.

The school hadn’t sent in my deferment paperwork, so the loan company went ahead and pulled money from my account.

I called the school and they told me that there would not be deferment paperwork sent out until I had completed my first weekend of classes.

Oh for fuck sake.

So I am basically paying on my loans.

Which was not in my plans.

Then again nothing this summer has been quite in my plans.

God laughs when I make plans.

Anyway.

The next payment would fall when I am in Paris and I decided that I would rather have it out of my account now than when I am in France and see something pretty and want to buy it and then go spend money that I should be spending on my student loans.

It felt good being proactive.

I’m glad I did it.

I also picked up a scooter cover today as well as getting a new bathing suit.

I got a competitive suit.

I tried on a pretty lounge by the pool suit first and I was like, um, no.

Hello boobs.

Good gravy.

Not going to work.

I like a little coverage.

I found the competitive swimsuit section and had much better luck.

I also immediately, without much thought, grabbed suits that I would have worn on swim team in high school.

Racer backs in black in a size 38.

I tried them on.

I squeezed myself into them.

I was like.

Hmm.

Not quite the high school fit.

Got to go up one size.

I was a touch bummed out.

But then I thought, wait, I’m only one size bigger than my high school swim suit size?

How many folks can say that?

I’ll happily keep eating kale salads all summer!

In fact.

I might actually go swimming this upcoming week.

I bought the suit because I will be going to Il de Re, which is an island off the West Coast of France, with my dear friend whom I am staying with and there is a pool at the house we will be staying at.

Plus.

Well.

It’s an island, there will also be beaches.

But I will get a chance to break in the swim suit this Wednesday when I go visit a friend in the Berkeley Hills who has a hot tub and I just checked out the schedule for lap swims at Sava Pool and there are times that I can make it next week that I normally would not be able to go swimming.

Mid to late afternoon.

I have debated many times getting up and going to Sava during the week, they have lap swim M-F from 6:00 am until 7:30a.m.

It’s tempting.

It could fit into my schedule and then I would be getting a bit more exercise than I have been.

Plus.

Well.

I love swimming.

The thing is though.

6 a.m.

Ugh.

But if I got up at 6 a.m. and just climbed into my car and drove there, wouldn’t be more than a ten minute drive, I could be in the pool for a half hour to an hour and then drive home and have breakfast before having to leave for work.

It’s a thought to tease around.

I’ve wanted to explore the pool before making that commitment and I don’t know that I would want to always get up that early to swim.

I would probably not do my morning pages.

I don’t know.

It’s something to think about.

I’m just happy I got the suit.

I am also happy that I picked up a motorcycle cover for my scooter too.

Tomorrow after I do my morning yoga I’m going to start my scooter up, clean her off, top of the gas, ride her around the neighborhood then cover her up.

My previous cover was stolen.

I will be locking this one down.

All in all.

Not a bad day.

Plus two clients and conversation with my friend about the paid internship I am exploring.

Pretty damn good for a Friday.

Pretty damn good indeed.

Foiled

January 31, 2018

But god damn it.

I tried.

I got up early, I did my morning routine, I got into my yoga clothes and I walked to the studio in the early grey blue light.

Only to be greeted by a closed up shop.

Nobody was there.

One other woman with a rolled up mat sauntered over and we both woefully looked at the locked door and sighed and each of us turned and went our separate ways.

No class this morning.

I was annoyed.

To say the least.

But.

Well.

That’s life.

And as I sat and enjoyed a really leisurely breakfast, sitting with my notebook and my cup of coffee, and my full warm belly, I reflected, it wasn’t so bad getting up early.

Sure.

I had expected to be going willy nilly full tilt boogie, yoga, therapy, work, clients, doing the deal, get it done, go, go, go.

Turns out my day was not going to be like that.

Granted.

It was still full.

I just didn’t start it out rushing about.

I slowed down.

Which is generally a good thing for me, slowing down, that is.

It felt good to sit and write and check my emails, to deal with my bills, paid my rent, popped a little money in savings, note to self, car payment is coming up, remember to do that please.

Maybe I’ll do that in the morning.

Fuck.

I could probably just do it right now.

And there.

Done.

That feels good.

I made a double payment again.

Technically I don’t have a car payment until March, since I did a double payment last month, but I figure as long as it feels comfortable to do so I’m going to pay more on the car loan than I need to.

I like to be proactive around my money.

I also received my financial aid disbursement for school today.

Which was really nice as I was getting fairly low in my account what with the unexpected dental work I had to do this past month.

Super grateful for that landing and not making me feel über tight with paying rent and making a car payment.

I knocked some into my savings, paid my rent, just made my car payment, and I may reach out to my car insurance and just pay another six months of insurance while I have the money and it’s not ear marked towards anything else.

I will also have some spending money for going to D.C.

I’m headed out in a little over two weeks.

I’ll be visiting my best friend and spending time in Georgetown.

I’m excited.

I’ve never really been to D.C.

Sort of.

I mean.

I was there once, when I was nineteen, homeless, catching a Greyhound bus from North Carolina heading back to Madison, Wisconsin.

I don’t remember much of the city.

I remember more the Hardees in the bus station and making friends with a girl who was probably my age and both of us were basically returning from having run away from home.

She and I became fast friends and sat in the Hardees in the station and smoked cigarettes and ate cinnamon rolls sticks and talked smack about our experiences.

We had a long wait for the next bus so we went for a walk around D.C.

I got really nervous about getting lost and not making the bus connection on time so we didn’t go too far.

We ended up sitting on a fountain smoking cigarettes and getting to know each other’s life stories.

Not much to tell at 19.

Except.

Well.

I had already been through a lot of shit.

Having just left a violent boyfriend who had threatened to kill me in Kill Devil Hills North Carolina, and before that having been homeless with same said boyfriend outside of Miami, in Homestead Florida.

Billy Ray.

Oh my God.

I haven’t thought of that man’s name in some time.

I was my old man, he self-titled himself that, I would never have called a boyfriend my old man, but then again, he was ten years older than me.

And he, bless his generous heart, had introduced me to smoking crack cocaine.

I have written about him before, but it’s been awhile.

I told my new-found friend all the gory details about Billy and what had happened in Florida and what had then transpired in North Carolina, and how I found myself on a Greyhound bus heading back to Wisconsin.

Thank God for that girl.

We talked and gabbed at each other for hours and hours through the long night, all the way to Pittsburgh, Pennsylvania, where she was headed.

I remember hugging her very hard in the terminal.

I remember also that the terminal was really old and rather pretty, I remember the sun coming in through the high windows in thick honied shafts dancing with dust motes.

I remember, too, that the bathrooms were pay to pee and that I was indignant and crawled under the door to one of the stalls.

I wasn’t going to pay a fucking quarter to pee, fuck that.

And I recall coming back out, washing my hands in the old marble sink, looking at myself in the mirror and telling myself to “go home, Baby Girl, just get home.”

So.

Yeah.

This trip to D.C. is going to be much different.

I am going to stay at a nice hotel.

I am going to go to a museum that is close to the hotel.

I am going to eat nice food.

I am going to spend every moment I can with my best friend and really cherish our time together and just smash myself with love.

I feel like it’s a sort of living amends to the city of D.C.

I will not be eating in a Hardees and I most definitely will not be smoking.

I will be letting in all the love and reflecting it back at my friend and enjoying the hell out of getting to see a city I only once passed briefly through on my way from running away from home to running back.

My life has taken me many places and I’m so, so grateful that today I don’t have to run away.

Or take a Greyhound bus anywhere.

Jesus.

Thank god for that.

May I never have to take a Greyhound bus again.

Seriously.

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.


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