exhausted but still zooming
Gods, I am totally exhausted from Brother T's wedding weekend and family.
Brother T is spending time with his bride's family in New York City before they fly home to Lima, Peru. I love my family. I didn't go to work today, but will stop by the office for a few hours after supper and then head to the riverplex.
Detox!! Green Tea. Fiber. Exercise. Steam. Meditation.
My 1998 car reached the limit of my repair versus buy new one. I was going to have to put in another $1200. Yes. Still cheaper than payment. But. I was looking down a dark tunnel. So. Having watched prices of vehicles for the last 6 months, I found a 2008 Chrysler Sebring Touring Convertible with 13K miles (program car) for just under $15K. The credit union ranked it with NADA as $16.5K; KBB was $17.9K; Last year, the price was $19K (new, it was $28K). With my trade-in above KBB, it was $13.5K well below my upper comfort zone. I did opt for a maintenance contract since I am going to change the oil every 3K miles for $20 or more a pop and I might as well do it at the dealer for warranty issues and maintenance. I also got a "new car" warranty at $30/month (as opposed to a used car warranty). Vehicles are much more complex than 10 years ago. I took a look at the "repair" prices for the 16 different computer systems. Did you know that the gas pedal sensor sends a signal to the fuel pump rather than use a cable? Yikes! Perhaps I won't need it, but peace of mind.Bonus: FlexFuel for E-85. There is only one E85 station in our area, but I tend to take weekend drives that way along the river so I don't anticipate a problem fueling up.
Yes, honestly, somewhat ego-driven as well. Silver steel metallic. Simonized. I like the image that I have of myself driving this convertible.
Upon getting pre-approval with the credit union, the loan specialist told me I have "near perfect credit." Win!!
I am going to check with them about refinancing my home mortgage from 7.15% to <5% and perhaps a shorter term.
I need to update my monthly budget as I now have a car payment, and I am sending money to the parental units for their health care. I still have a healthy cash position for my emergency fund. I may pay down the car loan quickly because the cash is sitting at 3% while the loan is at 4.74% unless I can find some short term CDs.
I am scheduled to attend a retreat with the good Benedictine Sisters at St. Mary's Monastery in Rock Island, IL this weekend. I need some time alone and in community to clarify my inner voice.
Finally, I want to thank you, my friends, for your journal entries. I love reading them and sharing your lives in a small way.
Brother T is spending time with his bride's family in New York City before they fly home to Lima, Peru. I love my family. I didn't go to work today, but will stop by the office for a few hours after supper and then head to the riverplex.
Detox!! Green Tea. Fiber. Exercise. Steam. Meditation.
My 1998 car reached the limit of my repair versus buy new one. I was going to have to put in another $1200. Yes. Still cheaper than payment. But. I was looking down a dark tunnel. So. Having watched prices of vehicles for the last 6 months, I found a 2008 Chrysler Sebring Touring Convertible with 13K miles (program car) for just under $15K. The credit union ranked it with NADA as $16.5K; KBB was $17.9K; Last year, the price was $19K (new, it was $28K). With my trade-in above KBB, it was $13.5K well below my upper comfort zone. I did opt for a maintenance contract since I am going to change the oil every 3K miles for $20 or more a pop and I might as well do it at the dealer for warranty issues and maintenance. I also got a "new car" warranty at $30/month (as opposed to a used car warranty). Vehicles are much more complex than 10 years ago. I took a look at the "repair" prices for the 16 different computer systems. Did you know that the gas pedal sensor sends a signal to the fuel pump rather than use a cable? Yikes! Perhaps I won't need it, but peace of mind.Bonus: FlexFuel for E-85. There is only one E85 station in our area, but I tend to take weekend drives that way along the river so I don't anticipate a problem fueling up.
Yes, honestly, somewhat ego-driven as well. Silver steel metallic. Simonized. I like the image that I have of myself driving this convertible.
Upon getting pre-approval with the credit union, the loan specialist told me I have "near perfect credit." Win!!
I am going to check with them about refinancing my home mortgage from 7.15% to <5% and perhaps a shorter term.
I need to update my monthly budget as I now have a car payment, and I am sending money to the parental units for their health care. I still have a healthy cash position for my emergency fund. I may pay down the car loan quickly because the cash is sitting at 3% while the loan is at 4.74% unless I can find some short term CDs.
I am scheduled to attend a retreat with the good Benedictine Sisters at St. Mary's Monastery in Rock Island, IL this weekend. I need some time alone and in community to clarify my inner voice.
Finally, I want to thank you, my friends, for your journal entries. I love reading them and sharing your lives in a small way.