A Day In The Life.....

[disneydream06]

Excuse my language, but F*** MY LIFE!!!!!!!!!!!!!!!!!!!!!!!!!!!

I just came home from the bank signing my life away for my loan.
You would think that would be good news.
IT'S NOT!!!!!!!!!!!!!!!!!

I was expecting a loan for $100,000.00.
They gave me a loan for $80,000.00.

This will only pay off most of my credit cards and get my car.
It still leaves me with the biggest credit card to pay off.
Yes, I have that much debt.
It didn't help having to rent a rental car for over a month.

Her suggestion was to just make a partial payment on the car and get a loan from the dealer.
So have two loans and two sets of interest to pay off. UGH..............
And make a partial payment of the biggest credit card and still have payments to make on that one.

I would really rather pay the car in whole and have it behind me.

And now I have to try and go to bed and sleep, so I can go to work tonight.
Tomorrow I am going to have to stop and talk to the Subaru dealership and see what they have to say. :o :o :o

Needless to say I was really pissed when she told me I was only getting the smaller amount because nobody ever said one word to me before today that I wasn't getting the full amount I was expecting.

I'm so tired of adulting. :o :o :o

Comments

[garote]

Adulting is a pain!! We should outsource it to kids. They’ve got free time…

[disneydream06]

AMEN to that. :o

[armiphlage]

*hugs*

[disneydream06]

Thank you so much. ♥

[madamoiselle_sambuca]

*giant hugs* Oh Jon... I'm so sorry. :( Hopefully some good will come. <3

[disneydream06]

Thank you so much. ♥

[madamoiselle_sambuca]

No prob. :)

[ravena_kade]

Adulting sucks.

I would think. that they would have to contact you about a counter offer. I know the credit union I work at does that. Many people choose to go elsewhere if they don't get the loan they want.

[disneydream06]

I hate to criticize the banker herself because she's very friendly, but the whole process has been handled very poorly.
And when I walked in a little after 9am she said they weren't sending the forms until 10 am.
Um, you said Friday morning not 10 am. UGH...

[kaishin108]

Well at least you got that but I hear you. Is your car a hybrid that you are getting. I think you said it was a 2019 Outback? I hope you like it!
Hang in there.

Hugs, helen

[disneydream06]

No it's not a hybrid.
It's a 2024 Outback.

[kaishin108]

Oh oh oh! That sounds awesome a new car! I saw Subaru financing on an ad yesterday at 2.9% financing, that's pretty good. Maybe just pay off the most on what you are paying the most interest on? And interest rates are dropping 1/4 % soon, so things - hopefully are moving in the right direction.

When do you get the car, or maybe you have it now.

Hugs, helen

[disneydream06]

Technically it's a used car because it was one of the cars they used as a loaner. :)

Well, October is one of the two months that we get three pay checks, so a good chunk of that can go towards the credit car. :)
Or I suppose I should save a big chunk for my car insurance that is basically doubling. :o :o :o
Big downfall of a new car from what I have been driving. :o

[thewayne]

Wow. That really sucks, Jon, sorry to hear it. Maybe the dealer can put you into a non-turbo, which would save you on insurance. Both of our Subarus are service lender vehicles, the ones that the shop gives to people while their cars are being worked on. Very thoroughly inspected, very steeply discounted and with the remainder of the warranty still on them. It's worth a shot.

[disneydream06]

That's what this is a loaner car.
Not sure it was all that deeply discounted though. LOL!!!!!!!!!!!!!