…following travis

Thought this was fairly random and funny.  I had to take Taylor (12-year old sister) to a birthday party before heading to work.  In the development of where her friend’s house was, there were two cars sitting in a driveway.  The weird thing was, they were both the same car (one probably a couple years newer than the other) and they both had dings on the same side.  Either someone hates that part of the car or those people have a really bad right side blind spot when backing out.

I knew this was going to happen, but I didn’t want to face the wrath of “A BAD CREDIT SCORE.”  Damn you Credit! First off, it doesn’t take three hours at a car dealership when you already know what you want…just run the damn thing and let me know if I can get it or not.  “Let me explain this…” and “You need to know that…” and “Right now you should plan…” said the dealership guy. STFU!!! (he was nice though).

Basically, I was going to stay with Mazda and get the 2009 Mazda6 which was MSRP at $32,000.00 fully loaded.  My credit was only approved for a $12,000.00-$15,000.00 loan.  Mazda6 out of the picture.  Other option then was to check out other cars…I’m too lazy.  Final option was to purchase the car I was currently leasing.  2004 Mazda RX-8 is what I drive and still drive now sadly/happily.  I was also taken off of my mother’s name so the car would be in my name.  Because my credit sucked so bad, my interest on the car now is 19.9%.  I know right? Whatever, it’s a good thing to feel what reality is like and it’s a learning experience.  I will probably re-finance later once I get established with a loan company, but for now my payments are more because of this interest rate.

So, I learned that when your credit sucks, your choices suck.  When the economy sucks, your choices suck even more.  As Mazda, or any other car dealership, would say to me:

Woke up at 10:11am today.  Getting ready now to go to the Mazda dealership and switch vehicles.  Hope all goes well, and hopefully I like the Mazda6 as I have yet to see it in person.

Tomorrow I have an appointment with the Mazda dealership.  I’ve been driving a Mazda RX-8 for the past three years and the lease is finally up December 03, 2008.  I’m very picky on things that I want or like and I didn’t plan on staying with Mazda…but because my credit is so great with them, the payments will stay low.  I don’t know how many years I’ll lease the new car, but hopefully I enjoy it for the time I have it.