…but you can give them to the birds and the bees. I want that money!!
I’ve been thinking about money ALOT lately. Probably because we now have a little one on the way and I have the motherly, or whatever, instinct to prepare things before that happens. I want to put us in a financial situation that is beneficial instead of detrimental.
We aren’t in a detrimental situation as of now…and it would take one hell of a setback to cause that. We don’t have an exorbitant amount of credit card debt. Most of what we owe is stuff I’ve financed for zero percent interest for a few years. And I’m most excellent at paying that stuff off. I’ve never defaulted on a zero percent interest debt and I don’t plan on doing it now.
I love shiny red apples. Love them! And, unfortunately, I used that shiny red apple logic when we bought our shiny red Trailblazer. It was used, but in EXCELLENT condition. Not a thing wrong with it. Looked brand new. Smelled brand new. But…we got snowed. It was our first time buying a car as a married couple. I drove my truck from the day I turned 16 until the day after Thanksgiving of 2006. Chris drove used cars that were bought with the help of his parents and then he drove the stupid Taurus that came from his dad. It was truly our first time going out to buy a car from a dealer.
It was a learning experience. We paid too much for the car. The interest rate on our used car loan is OUTRAGEOUS!! And now I really despise car salesmen and loan officers.
Home equity seems to be the way to go. We haven’t used ANY credit cards in over a year. Our savings account is adequate. We pay our bills on time, everytime. We are in quite a nice situation. I just don’t want to pay the interest on our car…or on the two credit card balances we have.
What a decision this is!! I really feel like a grown-up here and I don’t think I like it. Being an adult is full of decisions like this one…and they suck. I long for the days when my most difficult decision was if I should wear my Eastlands with the curly laces or my FILA tennis shoes with my green IOU sweatshirt. And now that I’ve typed that, I regret it. I do NOT want to go back to junior high…EVER!! I would just rather have to make bad fashion decisions than good financial ones. YUCK!
