Goal #10
Finally! I have been waiting for this day for almost 6 years. The day I could say that I no longer have a car payment.
Unfortunately, it is also the day when I say I no longer have a car.
Yes, I finally made the last payment on my Tiburon. But a few weeks prior to that, I realized that it simply was not big enough to fit an infant car seat in. Which means, I had to say good-bye to my car, something that meant more to me than a lot of people.
I was able to find a silver lining in selling my car. I found a lady on facebook garage sale that was looking for a "cool car". I sent her a message, along with some pictures and explained that I was only selling because I was having a baby. She seemed extremely interested and asked to test drive it. That all went well and we agreed on a purchase price.
I met this lady, along with her husband early this week to give them the keys, title, and bill of sale. She then informed me that today was her daughter's 16th birthday and that she had passed her driver's test less than an hour earlier. They waited until after her test to let her know that they were buying her a car. She told me that her daughter was so excited that she started crying.
As much fun as I've had through the years driving my little coupe, I walk away so glad to know that another little girl is going to enjoy it as much as I have. So, with tears in my eyes, I said goodbye to my car and drove away in my mom car (Brian's Curtis) and silently greeted this new chapter in my life. I can't be that care-free teenager anymore. I am going to be a mom. But I sure as hell am going to be a fun mom! :)
Friday, February 15, 2013
Debt-free at 23!?
Goal #18
Originally, that was supposed to be the plan...Brian and I thought we were well on our way to buying our first home. He had taken out several different kinds of loans including a credit card through his credit union. Unfortunately, what they failed to tell us, is that the credit union that he was doing ALL of his business with only reports to one credit bureau...which means...no house for a while...AND all that hard work to pay off our debts (over $20,000 in less than a year) was for not.
What does every bank advise us to do?
Go back into debt. What?!
Yep. They gave us very specific instructions to go back into debt with certain companies that wouldn't hit our credit and report to all three credit bureaus.
The result? We bought new living room furniture on credit. I know, I know, I was supposed to buy bedroom furniture but my mother-in-law bought us (new to us) bedroom furniture. Not completely our style and not exactly what we had picked out but it's fine.
So now we have living room furniture with no living room to put it in...yet. Since I am pregnant and able to work my waitress/hostess job less and less, Brian and I decided together that it is better that I handle our finances for a while.
This makes it much easier on both of us and I believe that we are well on our way to being able to buy a home.
Originally, that was supposed to be the plan...Brian and I thought we were well on our way to buying our first home. He had taken out several different kinds of loans including a credit card through his credit union. Unfortunately, what they failed to tell us, is that the credit union that he was doing ALL of his business with only reports to one credit bureau...which means...no house for a while...AND all that hard work to pay off our debts (over $20,000 in less than a year) was for not.
What does every bank advise us to do?
Go back into debt. What?!
Yep. They gave us very specific instructions to go back into debt with certain companies that wouldn't hit our credit and report to all three credit bureaus.
The result? We bought new living room furniture on credit. I know, I know, I was supposed to buy bedroom furniture but my mother-in-law bought us (new to us) bedroom furniture. Not completely our style and not exactly what we had picked out but it's fine.
So now we have living room furniture with no living room to put it in...yet. Since I am pregnant and able to work my waitress/hostess job less and less, Brian and I decided together that it is better that I handle our finances for a while.
This makes it much easier on both of us and I believe that we are well on our way to being able to buy a home.
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