Home Alone For Halloween

Well, some of the car purchase stress has subsided and I am actually starting to feel more excited about my new little car. I went back today to buy the warranty. No amount of badgering could have convinced me to buy it yesterday on top of everything else but after sleeping on it I decided I had better go ahead and do it. Mj offered to pay for it but I think I've already taken enough money from him so I put it on one of my low interest credit cards. So doing the numbers it has basically cost me close to 20K to get into this car and out of my lease. Ouch!!! That includes the cost and warranty for the new car, the return to dealer fee and cost to fix the front windshield for the Liberty. Incidentally, that windshield crack showed up only about 3 weeks ago.  I had to replace the whole thing just last year. This is all quite shocking for a budget minded frugalista such as myself.

So, I picked up Subway for dinner and one pack of Mike & Ike's in honor of Halloween. I will watch a movie-The Proposal. Then thanks to Universal Sports which is broadcasting my favorite sport that is only popular during the Olympics, I'll get to watch World Championships (Gymnastics).  Super exciting I know!!

My New Ride

My cute little fully loaded gas guzzling Liberty

My new fuel efficient, dependable yet sporty Civic

Oh my what an exhausting week it's been. Running to car dealerships on my lunch break and after work. Getting home late. Carting stacks and stacks of papers with different car listings on them and fielding calls from car dealerships all day. The haggling, the negotiating. It's awful. After working my 9 hour days I got my Friday off today and it felt so good. I really needed it. So, I didn't like the Sebring. It just didn't do it for me. It had some of the bells and whistles that I wanted but I just didn't like it. So, the search continued and after test driving a Honda on Tuesday I decided that I would let go of my Jeep and try to get into a Civic.

Mj and I agreed that 17K out the door is the most that we would spend when it quickly became obvious that I was not likely to get a low mileage EX for anything less. I almost gave up after yesterday when a dealership would not accept my offer. Then, silly me I realize that I had a 39 and not a 36 month lease like I assumed. My lease isn't due Halloween...it's due in February 2010!! Well, that really took the pressure off so I decided that I'd keep searching anyways and if I didn't find anything today then I'd just wait for Mj to come back so I don't have to do it alone.

I hate it that I am putting so much money into a car but this is it. I wanted something dependable with good gas mileage that appeals to me and that I can keep forever. And, I got it. The first place I went to wouldn't take 17k but they countered with 17,800 which is $16,100 plus tax, title, license. An amazing bargain for an 07 Honda Civic EX with navigation.

I almost had a nervous breakdown and Mj had to talk me "down" numerous times. I am soooo grateful to him that he helped me get this car. He is so sweet. He said he was actually proud of me for handling the whole thing as well as I did. So, I felt a little sick to my stomach for a while but that feeling is slowly subsiding. I found out that my credit scores from the big 3 are 831, 788, and 819. My frugality and fiscal discipline have paid off in some way.

I am excited that I will no longer be held hostage by my poor gas mileage. I literally would avoid leaving home sometimes just because I didn't want to use up my precious gas that didn't last for very long in my Jeep. It almost feels frivolous what with house hunting, Christmas and wedding planning approaching. Really, that money could have been used towards so many other things. I am still going to have to face the $425 turn in fee and any other charges from Chrysler when I turn in the lease. In the long run I think it's a good decision though and ideally, I won't be in the market for a car for a long time to come. I am so glad it's over.

Lease Up Decision Time

I'm tired of dating. Although I am ready to settle down I have come to a point where I still want to explore my options. Just to make sure. I am engaged to be married and we plan on setting the big date very soon but I'm not talking about men I'm talking about cars. My 3 year lease is up and I will not be leasing again. I love everything about my adorable little Jeep Liberty. Everything that is, except the gas mileage. The car before this was also a Jeep with poor gas mileage and so was the car before it. Bad gas mileage that is, but not a Jeep. I have had horrible gas mileage on every car I've ever owned. So, before I buy out my lease I've decided to see what I could get that is comparable to what it will cost me to buy out my Jeep AND has a lot of the features I love about it, but with better gas mileage. Practically impossible. In fact, I wasn't even considering it at all and had long ago made up my mind about buying my lease until this week.

Used is fine. I won't go lower then 06 or higher then 40,000 miles. Considering my price range I know I might loose out on some of the features I love about my jeep. The leather seats, sun roof, 6 CD changer, and the little thingy that tells me what temperature it is and how many miles there are until my next oil change. And, I'll have to go sedan when I really love sitting up high in my little compact SUV. I've always thought a Honda would be a dependable solid choice of car that I would want to keep forever so I've priced those. I also found a Chrysler Sebring with super low mileage and a dynamite price from the same dealer I leased my car from so I stopped by after work. However, when I showed up the car was nowhere to be found.

The manager wanted me to wait because the car was due to arrive in an hour, but I wasn't having it. It was 6 by now, it had been a long day and I was ready to go home. He basically tried to threaten me into staying by saying that another person was interested in the car and that it may no longer be available if I wait until tomorrow. He tries to get me to "start paperwork" and sell me a car that wasn't even there. The thing he doesn't understand, is that I love my jeep. I really do. It was the first car that had everything I wanted and I've been really happy driving it ever since. I will not be devastated if that Sebring is gone tomorrow. I have a feeling that he may have fabricated that phantom buyer anyhow because when I refused to stick around he said he'd see me tomorrow. I hold the cards here. In fact, I am going to try to negotiate the price even lower then it already is. I have some cash and I am more then happy to stick with my Jeep so he can't scare me into making an on the spot decision.

He underestimates how much I really love my jeep. I am so over spending money on cars. I need to have one and it needs to be dependable but as everyone knows they are not a good investment. Leasing is not considered the most economical thing to do but the first time I did it I really needed security. My first car had gave me such problems then died inexplicably one day forcing me to make a quick decision. I fell in love with the jeep and I couldn't afford it any other way. I planned to buy it but didn't because the 2nd time they offered me such a dynamite deal that leasing and then buying it would only put me about $600 over the actual sticker price. I couldn't have done better if I'd straight out financed it.

Whatever car I go with will hopefully be with me for a long time to come. I will need to keep it until it dies. I need to see how I feel when I first lay eyes on that Sebring and what it's like to sit behind the wheel. If there is no wow factor, no connection then I will keep my Jeep. Not caring is really the best negotiation tool there is and I plan to use it to my advantage. The lease is up on Halloween so I should have my answer very very soon. Thank goodness because I hate having decisions like this to make.

I Don't Wanna Commute

When I started my first job out of college I had to commute. I was still living in N. County and my job was in SD so I commuted about 45 miles each way for 6 months and I hated it. Since then the longest commute I've had is right now at about 30 minutes. Definitely doable. But going back to an hour? Grrrrrr. I am not happy about that at all. I've known for a while that there would be a possibility of me having to commute again and now that it is upon me I am already dreading it. When Mj comes back we are planning to start house hunting and because Mj's job is in LA we need to pick some place in between for us to live. Mj's commute will actually be even worse then mine but he has a really good job there. It would be perfect if he could find one down here but I am kind of thinking that won't happen with the job market the way it is.

I think I'm tired now? I can only imagine how I'm going to feel after adding 1 1/2 hours to my day on each end sitting in traffic. Not to mention the expense. I can only drive about 280 miles on a 16 gallon tank of gas before hitting empty. 80 miles a day means I will have to get gas about every other day and it's costing me about $55 to fill up at the current gas prices so I would end up spending about $450 minimum a month on gas. More than twice what I have to spend now. I really don't know if I can afford that. Not only will I be worn out but I will be really broke too!! I know there are people that commute even farther but so what. I don't want to do it at all.

Which leads me to my other fear. Having to rent out my condo that I absolutely can't sell because of the horrible market. My condo is a studio which is obviously too small for two people to live in long term so I am going to have to become a landlord. Which is something I never wanted to do. This is a very expensive city to live in. After my divorce I didn't want to move back home or rent out a room from a stranger. I wanted to live alone but not in another crappy apartment where the rent could go up at any time causing me to have to move. The price was right so I bought it after my divorce pretty much planning to live here alone for the rest of my life. Well, those plans have changed and I am going to have to change right along with it but I am scared. I worry about having to pay two mortgages. What if I can't get a renter? What if the renter trashes my place? How do I handle repairs? I don't have a huge amount of cash flow so this is a very scary venture for me to take on but I don't see any other option.

I've known that all of these things were going to have to happen since Mj and I got engaged, but now it's getting closer to actually happening. I am kind of freaking out about all of this already but hey, that's what I do.

The silver lining in this of course is that I get to live in a house which I haven't had the pleasure of doing since I moved out of the parents house after College. And I get to live with Mj. I have to try to focus on that instead.

Tardy for The Party Whooooaaaaa

So once again I have found myself sucked into the Housewives of Atlanta. I started out not paying any attention to it whatsoever because the drama from last season left me a little disgusted and I didn't want to be bothered with it. It just comes on so often that here and there I'd find myself watching different parts of different episodes and before I knew it I was actually watching the show.

Let me preface this by saying that no one is perfect and quality of character is subjective. If I were the subject of a reality show undoubtedly I would likely find that a lot of people really don't like me. That being said, I really wish Sheree would shut up about all of this independence. She is always talking about how she is successful, confident, and has accomplished so much when it's obvious that she really hasn't. In the opening credits she says "People are intimidated by my success," but I'm still trying to figure out what success she's talking about. I'm not going to say that there is inherently anything wrong with marrying into money but its funny how she is the one who talks the loudest and the longest about all of her so called independence when she didn't earn that money. She married and then divorced into it. I just love the haughty way in which she refers to herself as a designer. She is an attractive fit lady but there isn't a modest bone in her body and that is not cute. Oh, and if I hear her (or Nene) talk about the "who's who of Atlanta" one more time I will scream. Her show turned out better then I expected thanks to Dwight but he sure did have his hands full with her and her ego.

Then there is Kim who basically has a benefactor. She has this mysterious fiancé who is actually married but pays her bills and keeps her in the lifestyle to which she is accustomed. Which, apparently includes about $12,000 per month in hair pieces. What the heck? If you spend that much money on hair pieces it shouldn't look like cheap Barbie hair. Wonder when he plans on getting divorced so they can actually get married. Oh, and is there anyone in the world who could ever convince her that she can't sing? I could do a better job on Tardy for the Party then she did. Just put me in the studio! I was baffled about how she continually talked about wanting to do a song and "what part is Nene going to do," but then when asked to get into the studio says, "I'm not wanting to sing." Uh....haven't you been going on and on about how you want to be a one hit wonder? She had the nerve to kick Nene off of the song the minute she found someone willing to synthesize her voice into half way decency. She literally stepped out of the studio and ditched Nene. Overall, she seems really fake and untrustworthy but, I must say her wigs are getting better.

Kudo's to Lisa for taking their impending life style down grade in stride. Only 9 acres!! Well, $200,000 per year in housing upkeep was pushing it. I think her and Ed are such a cute couple. She managed to put on her fashion show ahead of Sheree but it is quite clear that a fashion show does not a designer make. I think both she and Sheree clearly have a passion for fashion and a good taste in clothing but I don't really think that makes them designers.

Candy is the newest addition to the show but she is my favorite! She has such a genuine and bright smile. She really seems to be grounded and nice but she will tell you like it is if necessary. I think she has a great voice and I hope that she is able to revive her career like she wants to. She lives a fabulous life style like the others but unlike the others she has worked for it and earned every penny. I thought it was really messed up that Kim didn't go to her performance after she so kindly was willing to produce a song for her even though she can't sing a lick. Kim has a full time live in nanny and she can't take a couple hours out of her night to come see the show. Her daughter probably had a cold or something. My heart goes out to her for loosing her former fiancé AJ so tragically.

Nene. What can I say about Nene. She is hilarious. I REALLY didn't like her the first season but I guess she is growing on me with all of her "Neneisms." I hope she can find some peace on this quest to find her father though because it is obvious that she has a really difficult time with not knowing.

My, oh my, these ladies are so fortunate. Not that they don't have problems because everybody does. They don't HAVE to go to a 9-5 job everyday and hope for retirement some day. And regardless of what I think of some of their singing, designing, writing and other endeavors I think it's great that they have the opportunity to follow their bliss...whether they suck at it or not. I mean, at least they get the chance to try. Well, with enough money and/or media attention anybody can be anything they want to really.

I have to admit that I do find it entertaining otherwise I wouldn't have stayed up to watch the Season Finale. I may have been tardy for the party but it didn't take me long to get into it once I got there.

Is College Really Worth It These Days?

I just read an article on MSN money about how the average cost of a 4 year private University education has climbed to $35,636 per year. I am so glad that I am not a young high school graduate today who has to make the decision as to whether going to College is worth the money or not. When I graduated from high school it wasn't a question. You might have to go the 2 year Community College route first but bottom line, going to College was always seen as the way to go no matter what. These days, I am just not so sure.

The economy is basically in the toilet right now, but even if it weren't it is beginning to seem that the sheer cost of a College degree has outstripped and over shadowed the very purpose for which it was intended. Yeah, you may go to College for personal growth and enrichment purposes but ultimately your intention is usually to gain a return on that investment in income once you enter the job market. Trina Thompson may have been the only one ridiculous enough to sue over it but she is definitely not the only one who feels short changed.

Are 4 year Universities only for the wealthy and those who are smart enough or poor enough to earn full scholarships and grants? It seems the Community College route 1st is the only way to go if you are willing and/or able to because to spend $140,000 on a degree, especially to work in a field that is not a typically high earning one is plain stupid. State school prices are out of control too. Gone are the days where you could just go and major in general studies or whatever else just to get the degree and the satisfaction of a goal accomplished and worry about the field you will enter later. You could always wait until you get your Master's for a more focused approach once you figure out what you really want to do. I really don't think that's such a good idea these days. I didn't really have a plan but I knew I wanted a degree so I went and majored in a Sociology but if I were in the situation that these new high school graduates are facing and I didn't have a solid career path and plan in mind I might not have gone at all. And, if that had been the case I wonder where I would be now?

I worry about my little sis who is going to an extremely expensive school in an expensive city too far away to cut costs by staying at home with such stiff requirements that hardly anyone can even finish in 4 years. She has taken out a lot of student loans while she works part time. I want nothing more then for her to hit it big and be so successful that the student loans won't hurt her. I believe that if anyone can do it she can and I really hope that she does.

I am very glad I got my degree. I went to a 4 year publicly funded University. I graduated with 16k in loans and felt that wasn't really all that bad. I lived on campus (apartment, not super expensive must buy a meal plan residence halls) for two years and commuted the rest. I didn't get to "go away" to college but that's OK. My semester exchange out of state at Spelman College my junior year more then made up for it. The loans are paid off, I don't want to start all over and I still don't know what I want to be so I am not even considering a Master's degree at this point. I feel better about myself in general having earned my BA and I do believe that even though it was not a requirement for my current job it certainly helped me get it.

As an adult online and accelerated programs seem to be the route many are taking but those are by no means cheap. There are many who haven't gone to college who are highly successful and some who have degrees that are barely squeaking by. What is one to think? I wouldn't discourage anyone from getting a degree. I'm just saying that you really need to be careful about how much money you are willing to invest and cut corners financially where you can because there really are no guarantees on what you will get out of it. Crippling loans can carry huge consequences.

If you insist on going to that prestigious school because it has an excellent reputation, is far away from home and has the total college experience written all over it that's great, but be prepared for the possibility that you might be paying for it for the rest of your life.