If we were having coffee, I’d lament the fact that we were having coffee in my new car. I’m totally going to spill.
For many, I suppose a new car would be a cause for joy. I’m sure we’ll get there, too. But for most, I’m sure that they spent time looking, thinking, saving money, planning, and mentally preparing.
We did all that in under 24 hours this week.
We took my car into the shop for its 90,000 mile service this week. Apparently a good thing, because they found oh so much wrong with it. With the different service amounts added up, and the question to me to proceed… I said let me call you back.
The first consult was over to Kelley Blue Book, where I found that their higher end estimates on what I could get for my car were really close to the number I was just given over the phone. Certainly within $100.
So Holly and I talked. We talked to family. We called a friend who works at the dealership for advice (it’s a small town).
Because putting the value of the car into it for service just felt like a bad idea. But putting off service, when driving around the Geek Baby, seemed like a worse idea. Going without a car when one of us is taking care of the Geek Baby and one of us is at work just didn’t seem like a good long term plan. If we lived somewhere with really good public transportation then considering going without a car wouldn’t be such a burden.
We knew we couldn’t afford a down payment (yay unpaid parental leave… grumble grumble John Oliver grumble) but family was supportive there. We had made a plan, a budget, for this year, so that we could take leave. And unexpected costs keep showing up – and this one takes the cake (hopefully…)
We weren’t sure if we could make loan payments then either – we’re still paying on a car loan for Holly’s car, which we saved and planned to buy for maybe a year or more. The same sort of planning we wanted to do to buy me a newer car, say in a couple years… We also each have sizable student loans, to go with our shiny Masters degrees. Oh, and did I mention the Geek Baby?
So lately we had been thinking of options. Toying with the alternatives for when we’re both back at work. For child care for the Geek Baby. Could we each figure out a week day off, to get more time with her? Reduce our work weeks? Work weekends? One of us stay home completely? Could we?…
All of a sudden we needed to solidify our plans. We were running our finances. Making budgets. Making decisions. All in one night. We decided a number that, with both of us working full time, we could probably afford.
So the next day, with me at work, Holly went in and picked a car and told them the payments we could afford. The math went backwards from there to figure out a down payment to get the payment amount. Oh, and the trade-in on my old car? $1. Yep. It needs a lot of work…
And so, in under 24 hours, I got a new car – sight unseen.
These sorts of decisions are suddenly very different with a baby at home. There are risks I might have been willing to take without her. And even more so, all the costs this year – combined with all the lost income – made this just the worst time for this to happen. It also made us solidify our future plans.
Sorry. The weird thing is that it’s odd to be so thrown off about getting something nice, something new. But neither of us have had a new car before. I didn’t even have a car until I was 23 years old. This is all very new to us, and it’s also kind of this final feeling – I’m an adult. With all the loans and costs and budgeting that goes with it.
Perhaps I’m just lamenting first world problems… I certainly know that I am very lucky to have a really supportive family. But I think much more for us what it meant was a paradigm shift, or paradigm solidification. What we’d had before was a future full of possibilities and options, and we had thoughts as to what that was going to look like. And all of a sudden, it feels like most of the options are off the table.
But anyway, that’s our week. How’re you?
What the heck is this post? It’s a weekend coffee share post! This is a weekly meetup hosted by Diana, over at Part Time Monster. We’re trying this out over here at Comparative Geeks – tell us what you think!