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Fingers crossed and my dad's advice

November 26th, 2012 at 11:43 pm

After making a payment today to my car loan company and in the process of updating my blog, I got a phone call from them. I have to admit, I have not been picking up when they call, just listen to the message and look out my window every five seconds to make sure the repo man was not taking my car away. It has been a source of stress for the past few weeks and I finally picked up and had the oh so uncomfortable conversation with the collection agent on the other end. She was really nice, to my surprise and really helpful. I let her know that I made a payment today and I will be making a second tomorrow. She also let me know that I qualified for the deferment program. She explained that if approved, two months would be put on the end of my loan, bringing me current and my next payment wouldn't be due until December. She said given my current account status I should not have any issues being approved for it, so fingers crossed! I will know on Wednesday if I have gotten approved or not. And don't worry, I am still making my payments as scheduled so if it doesn't get approved, I'm still catching up. Fingers crossed that I get this approved, it would be a weight of my shoulders!

One another note, I went to a training today for my part time job and I am really excited! Before taxes I should clear $475, but I am going to double check the numbers with my boss as my very first training had to be moved due to Super Storm Sandy and was done in bits over a few days. No matter the amount my plans for the money is this... a portion to pay my car note up until January, a portion in my savings and the rest to my student loan back pay.

I can't wait until I'm in a place where I have both caught up, so I can start working on getting them both one month ahead. When I had my second car (this is my third, my driving sucks ass and could be a blog all its own!), my dad would tell me "Shanna, you always pay your bills one month ahead just incase you hit hard times!" It's advice now in my current situation I had paid closer attention to. He told me all my teenage years he's always right, I'll be damn the old man is....lol!


Tomorrow is bill paying day and I hope to have a numbers update by the end of the month and a meeting with my rental office. Don't worry, I'm not late or behind at all, they have charged me a late fee in error and I have to go get that straight. It has been a nightmare dealing with them as this is the second time this has happend to me! I'm hoping to get all of this mess straigt and not have this issue ever to happen again. I know people make mistakes, but really?!?!

Happy Monday to all!

4 Responses to “Fingers crossed and my dad's advice”

  1. creditcardfree Says:

    Great job making that payment!

  2. snafu Says:

    Great job catching up. It's got to be pretty frustrating to be charged a late fee for rental. Before you agree to deferment on our auto loan, check and double check that there are no extra fees, charges, penalty or whatever term they use that costs you more!

  3. FrugalTexan75 Says:

    It sounds as though you really are trying to get a handle on your finances! Great job!

  4. Jane Says:

    Your dad sounds like a smart man! It sounds like you are also following MY dad's advice : ) He always says, "If you want more money, get another job!" Good job facing up to the collection company and starting to get things on track. That is the first step toward establishing some financial peace of mind.

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