Archive for November, 2009

Just By tthe Hair of My Chinny Chin Chin!

Tuesday, November 17th, 2009

I must say that there isn’t a day that goes by lately that I am not surprised in some way or another.  As my last post said, our A@s was in the fire and we were on the cusp of losing our van to the dreaded “Repo Man”! (Sounds almost like a superhero doesn’t it?)  I actually thought that this time was it and there was no way to pull our butts out of this one!  This turned out not to be the case! Just as I was about to hoist the white flag of surrender and resign myself to having lost the battle of debts, a totally unexpected proposal from a totally surprising individual was presented to me!!

We were on our way out to have a consoling Whopper at BK for dinner, it was $1.79 Whopper day in our neck of the woods, when our eldest daughter said something in the back of the van that I didn’t really catch. I just figured she was gabbing about work and things with her mom, and I was still pondering and delving deep into the corners of my noodle for a solution, those who know me well will tell you that I do not like to give up or lose the battle to the debt mongers!  Little did I know that I should have been paying attention to the other conversation going on in the van!  What I had missed and found out later in BK was that my sweet dear eldest daughter had offered up the majority of her savings to keep us from losing the van!  Can you say “Knock me over with a feather why don’t you”!

I totally did not expect that to happen.   I didn’t even know that she had saved up that much money in her MM account, let alone be willing to bail us out.  I must say that she has definitely grownup/matured a great deal this past year.  I guess having a job and having to pay your own bills has taught her a good life lesson.

All I can say is I that God sure does work in mysterious ways, and I am one of the luckiest men I know to have such a wonderful daughter.  I must admit that the apple didn’t fall far from the tree where my daughter and wife are concerned!!

Thought for the day:

Never underestimate the power of family or love.  They both show there true colors and depth when you least expect it!

Did you tell your family how much you love them today?!?

Alas Yet Again My A@S Is In The Fire!

Friday, November 13th, 2009

So another day passes and the 800 numbers keep calling and I know it is bill collectors and people who want blood from a stone. Unfortunately I decide to pick up a call knowing who it was on the other end.  What I didn’t know was that my lovely bank decided to play “Ruler/Owner” with my account and pick and choose whom to send money to this paycheck! What a way to find out!  Answer a call and find out that if you don’t shell out beau coups  bucks by Monday’s close of business your vehicle goes on the Repo List!!  What a glorious way to end your day!!  Anyone know the winning Mega Million Numbers for the next drawing?

ARGH!! Continued….

Monday, November 9th, 2009

So where was I? Oh yes.  Just when things start going well someone always has to throw a monkey wrench into the works.  In our case it was one of the “Princesses”, who decided that the speed limit around the airport was just for tourists and Ohioans!! Unfortunately the policeman that was lasering the area disagreed with her and gave her a ticket for 76-80 in a 70 zone, actually she was clocked at 81.  As is just our luck,  she had a previous ticket on our insurance that would be coming off in February of 2010.   Now in lieu of having our auto insurance decrease by the 20% her ticket cost us the first time, we are now faced with an additional 10% increase!! Oh aren’t we just the lucky ones!!!

Now to make matters even worse, I am having such fun with our auto finance company that we pay monthly for the van.  Lets just call the van the “Black Mariah”.  Since we have gotten her she has served us well, but there has always been some issue or other.  Case in point almost 11 times to get the DVD player to work properly, a leaky roof that only showed up under torrential downpours, and weather stripping that continuously rips.  Its no worries though, all were taken care of except the weatherstripping, as that still is ripped and warranty period is done.  However, the biggest pain in the rear is Ford Motor Credit Financing!  They consistently find it necessary to delay processing my payment anywhere from 24 to 72 hours after I make it.  This would normally be fine for anyone else, but for someone that has to play funds close to the vest, it isn’t a blessing but a curse!  It seems that this is continuously causing the payments to be returned by my bank as I am using those funds because they haven’t been taken from my account when they should be thus incurring excessive $35 Returned Item charges.  I think I am coming close to holding the record for the most charges to an account in 1 month let alone a year!!!  Now much to my dismay, we are forced to do money gram payments for the van every month incurring an extra $9.00 in fees to send the money!! All I can say is ARGH someone shoot me now!!

Just When You Think You Stand A Chance…..

Wednesday, November 4th, 2009

Yup!  Did you ever feel like there is someone out there that sits by watching and waiting for you to think you are finally going to have things go your way and see a little bit of good come your way, only to have them burst out laughing, go no no no and slam you with something else that pulls you right back to where you were or even worse?  Well it seems like that is all that ever happens to us.  Last month we thought we were going to be finally breaking even on the bills and would be able to start to pay down some of the credit cards so we would have some room to give the girls a bit of a Christmas this year.  Unfortunately we took the van in for a quick oil change and found out that we needed to replace all 4 ball joints, all four tires and all the shocks. So a quick $14.95 oil change now became a have to pay $1300.00.  I quick started to check around to see if I could save some here and there by going some where else.  Went to my guy at Ford who has been watching for a good sale on tires for me, only to find out he left the dealership. So I checked with the other guy and their price was almost $1,000 more.  I checked other ads and looked only, but the original quote seemed to be the best.  So we scrimped scrounged and finally begged Pops for some help with a promise to pay him back a little bit monthly, only to find out that he just bought himself a new car, Chevy HHR.  Being such the guy he is, he decided to lease it out to the transportation company that drives him around, and buy himself a new one.  Then he tells me that he thinks he is going to lease this one to the same company and buy himself a new one again!!.  There went my hopes!!

Well sucking in my pride I wrote a letter to our Church’s Board of Prayer and Care that helps the members out that are in financial hardship.  After waiting a week and a half and getting strange vibes from members that we thought were friends,  we finally got an answer. It was we are sorry but we do not have the funds that you require right now.  So at this point I was ready to just disappear, but remembered that I wouldn’t get very far since the van was why we needed the money in the first place.

Do you hear that guy laughing hysterically at me yet?  I did by this time.

Well as luck would finally have it, Pops finally came through for us and paid to have the van fixed with the condition we pay him something every month.  okay, that isn’t too bad I think we can scrape by with that arrangement.  Whew, what a relief! That guy didn’t get that big a laugh at our expense after all!

Yeah right! I guess I thought too loud, because as our luck would have it what happened today just really puts the nail in the proverbial coffin.

Want to find out more?  Tune in tomorrow when I finally sort it all out and see where we are going to wind up!!!

Horray I made It To Our New Home!

Wednesday, November 4th, 2009

Here is just a quickie for all those that have missed me!  I made it through the transition to our new host site! Kudos to our Blogomaniac Guru of the Gab lines SEB!

Thanks for taking us along to a better realm!