How am I going to do this?
So I bought a new used car Tuesday and the anxiety over being capable of paying for it is killing me. Like actual occasional chest pain.
There were more fees than I expected added to the already high price, plus GEICO did me really dirty on the monthly car insurance rates, wanting me to pay $258 for March, $253 for April, and $253 for May before probably putting me at about $207 a month for the next six months. Enrolling in auto-pay would make it somewhat cheaper but there are drawbacks. I paid about $150 a month to them for the Civic and I thought that was ridiculous. I'm going to be checking into other insurance providers to see if they can do better; maybe they won't do the same kind of 6-month figuring thing GEICO is justifying the first three months' payment amounts with.
$2,000 on a credit card as a down payment. To add to my credit card debt, at 11.24% interest. No co-signer. Five-year loan payments. I won't be able to get my trust to pay for as many things early on as I hoped due to how long official ownership paperwork takes to appear, and I'd forgotten about the amount of money my trust must have in it daily. Still no idea how this may jibe when I go for my Medicaid renewal because nobody got back to me on that. Though I also wonder how Medicaid will deal with us getting the stimulus payments.
But I needed a car. Those two bad falls within two weeks. Queens' patchwork public bus system that fails to cover a lot and has a long wait time between buses. A trip to Trader Joe's on Sunday that took two hours--even though Trader Joe's is only two miles from my house and I was only in the store for 20 minutes-- because I couldn't catch a single lucky break on any of the buses I had to take and had to do a lot of walking. All the doctors I have to see, and eventually initiating physical therapy that I'd have to go to 2-3 times a week.
Monday I nearly bought a more expensive car because I didn't think I had any other choices but declined because it was so expensive, by at least $2,000. Good thing I declined, since I'd really be hyperventilating knowing what I know now if I had.
Oh! I was also forced to go to Syosset to get my much needed pain medications--and fortunately family was able to drive me this time--because the New Hyde Park office didn't have any appointments open until the middle of March, I needed Nortriptyline immediately, and the front desk people said things have gotten stricter and my doctor absolutely couldn't give any prescriptions just from talking to me over the phone. Hilariously, once I sat in front of my doctor and told him my ordeal he said he would've done it for me over the phone. Did the front desk people actually speak to him at all about this, or was he just lying when he was in the physical presence of the actual human being he'd be screwing over? Like at the neurologist's office a few weeks ago, the pain management front desk people seemed to be far more hard-hearted than they were before. But I have my medications now.
Pain-wise, February is never good for me, and I am in increased pain, so sometimes it's hard to think well, make decisions, or get things done. I'm doing my best but it doesn't feel like it. You can comment here or at the Dreamwidth crosspost.
comments at Dreamwidth.
There were more fees than I expected added to the already high price, plus GEICO did me really dirty on the monthly car insurance rates, wanting me to pay $258 for March, $253 for April, and $253 for May before probably putting me at about $207 a month for the next six months. Enrolling in auto-pay would make it somewhat cheaper but there are drawbacks. I paid about $150 a month to them for the Civic and I thought that was ridiculous. I'm going to be checking into other insurance providers to see if they can do better; maybe they won't do the same kind of 6-month figuring thing GEICO is justifying the first three months' payment amounts with.
$2,000 on a credit card as a down payment. To add to my credit card debt, at 11.24% interest. No co-signer. Five-year loan payments. I won't be able to get my trust to pay for as many things early on as I hoped due to how long official ownership paperwork takes to appear, and I'd forgotten about the amount of money my trust must have in it daily. Still no idea how this may jibe when I go for my Medicaid renewal because nobody got back to me on that. Though I also wonder how Medicaid will deal with us getting the stimulus payments.
But I needed a car. Those two bad falls within two weeks. Queens' patchwork public bus system that fails to cover a lot and has a long wait time between buses. A trip to Trader Joe's on Sunday that took two hours--even though Trader Joe's is only two miles from my house and I was only in the store for 20 minutes-- because I couldn't catch a single lucky break on any of the buses I had to take and had to do a lot of walking. All the doctors I have to see, and eventually initiating physical therapy that I'd have to go to 2-3 times a week.
Monday I nearly bought a more expensive car because I didn't think I had any other choices but declined because it was so expensive, by at least $2,000. Good thing I declined, since I'd really be hyperventilating knowing what I know now if I had.
Oh! I was also forced to go to Syosset to get my much needed pain medications--and fortunately family was able to drive me this time--because the New Hyde Park office didn't have any appointments open until the middle of March, I needed Nortriptyline immediately, and the front desk people said things have gotten stricter and my doctor absolutely couldn't give any prescriptions just from talking to me over the phone. Hilariously, once I sat in front of my doctor and told him my ordeal he said he would've done it for me over the phone. Did the front desk people actually speak to him at all about this, or was he just lying when he was in the physical presence of the actual human being he'd be screwing over? Like at the neurologist's office a few weeks ago, the pain management front desk people seemed to be far more hard-hearted than they were before. But I have my medications now.
Pain-wise, February is never good for me, and I am in increased pain, so sometimes it's hard to think well, make decisions, or get things done. I'm doing my best but it doesn't feel like it. You can comment here or at the Dreamwidth crosspost.
comments at Dreamwidth.