My work was very generous in giving us the entire week between Christmas and New Year's off. The bad part about being part-time is the fact that I don't get paid. I was able to "bank" enough time so it won't hurt too badly.
I was so excited because this would have been the first vacation (for more than a day here or there) that I had since starting the job two years ago. I cannot tell you how much I needed this vacation. I have been having a difficult time dealing with just the everyday stresses of a job. Two years without a vacation is a long time. I work 34 hours a week so I am part-time on paper only.
Then reality hit and I soon realized that we would be car shopping during my vacation. The stress was on because we had to purchase a car this week. The insurance would only cover a rental for 20 some days and the first ten we didn't know the amount that we would receive.
It is hard to shop for a car when you have no idea what your budget is going to be. We started shopping the day the settlement check arrived. Because of our past sins, we knew that we would not qualify for the conventional loan and we most definitely had to look for a used car.
Monday, after no less then ten phone calls about different cars and a few trips to look at different vehicles we found what we wanted (or better described as what we would settle for). The hard part was the fact that our used 2005 was loaded, and when I say loaded that is what I mean. Our old van was a Limited and it had every option ever offered by Dodge. We could not find any vehicle that had everything. We knew that we would have to settle.
On Tuesday, we drove an hour to look at the car, and a few other makes and models. We decided to get a 2007 Dodge Caravan. We filled out all the paperwork and the salesperson sent us home to come back at 4 p.m, when we could drive away with the car. We drive the hour home, got all the ridiculous paperwork together, waited a few hours and then drove back. We sat in the waiting room for 30 minutes and then had the privilege of being called into the office of the "financial officer". This guy was as smug as they come. He felt the need to remind us of all our past sins and problems. Thank you very much but we were very aware of the "problems" He then showed us the "offer". The deal was 25% interest, $1,700 fee, 25% down, and a loan that was longer than the life expectancy of the car. I let the "gentleman" get to the 25% interest and $1,700 fee before I stood up, shook his hand, and told him he was out of his mind. I left the hubby sitting there. I walked out, told Cal to get in the car and waited for Dante.
This place did such a job on us. It was horrible. Not only did they think that they had us over a barrel, but they made us think that we would NEVER get approved through a bank. (which is what this smug finance guy told us).
Wednesday, we spent the entire day arguing. I think that both Dante and I really started to panic. We had no idea what our next step would be. How can we buy a car if we can only get approved for a loan that in the end costs us almost 40%. We spent the entire day saying mean nasty things to each other (more me than him) and looking for cars that we would be able to purchase with the limited cash we had.
Thursday, we decided to get back on the horse. We went to look at a car and filled out the credit application. Once again everything played out like it did on Tuesday. They told us we were qualified but had to call us back with the terms. We were on pins and needles. We waited the entire day to find out that this company is awesome. They approved us without the ridiculous requests and paperwork and, the interest is one third what the first company tried to charge us.
Friday, we picked up our new car. It is not a car we ever considered looking at but, in the end, love. I am so glad that God put the obstacle in our way of the shady car dealer in order to point us in a different direction. We do not have a mini-van. We purchased a Honda Pilot. I am a little nervous about the gas mileage but in the end it is awesome.
I cannot believe how easy the process was once we were on the right track. The first car dealer was a scum and I will spend a fair amount of time giving them a negative review on every web site possible.
So in the end my vacation will be a stress free Saturday and back to church on Sunday.