Tuesday, August 26, 2008

It's gonna be one of those lives.

So, my car is dead. That's basically... carry the one... zero surprise to anyone who's ever seen my car.

I wound up with this gorgeous piece of machinery through a series of missteps that began with my layoff in 2001, while my wife was 7 months pregnant with our first child. That was a fun experience that left me with a bunch of credit card debt related to medical exams and procedures that were rather necessary and subsequent baby food and such that were rather unavoidable.

My wife and I had never actually had any debt before, so we got pretty upset about carrying any. We entered a cycle of paying all our bills each month, then spending every penny on our debt. Turns out that's a losing strategy. A good friend of ours is a debt counsellor, and helped educate us a bit. (He offers this service for free, by the way -- their money comes from other services they offer if they're able to help you, which they're quite open about -- and he's fucking awesome. If you find yourself in a similar sad situation to mine, let me know, and I'll gladly give you his info.)

So we got our finances sorted out. Yay! We started the process of buying a house. Yay! We started thinking about what to replace my aging car with. Yay!

A deer does a half-gainer into my wife's car. Shit.

Totals her car. We didn't want to replace her car while our home loan stuff was in process. I gave her my car, and carpooled with a friend. We purchased our home. We purchased a new car for her. Wife and kids have a car that's safe. Yay!

My car dies. Shit.

My dad, who is fucking awesome, gives me a beater that he was going to donate to charity. Yay!

I drive this until it dies. My finances are still not such that I can really afford another car payment, even a modest one.

My dad, who is fucking awesome, gives me another beater that had been rusting in his driveway. Yay!

I drive the wheels off this one, too. It doesn't take long. My wife drives me to work for a few months.

My father-in-law donates his old beater to us. I'm really starting to feel like a fucking loser mooch. God damn it.

The car's on its last leg, but our finances are in pretty good shape now. We've paid off my wife's car, our credit cards are in a good place, we're saving some money... life is looking up. We start doing our research to figure out what kind of car we want to replace my bucket with.

The IRS sends me a letter. I fucked up my taxes a few years ago. We redo our taxes with help from our lawyer: it's not as bad as the IRS thinks, but it's more than we can put our hands on at the moment. We set up a payment plan. I start crossing my fingers that my car will hold together... not for the duration of our payment plan (I'm under no illusions there), but every month helps.

This car has run on sheer fucking bloodymindedness for a long time now, but today it gave up the ghost.

Two steps forward, eight steps back. I realize that kicking me in the spiritual nuts is pretty funny, but I'm pretty sure Bob Saget gave you the $10,000 prize a long time ago, God. Please stop. I'm sore.

11 comments:

suyapi said...

What. The. Fuck.

Good people get the life shaft. What the hell?

Oh, and I may need the info on your friend. But I have to have money coming in, first. I'll let you know.

Hope tomorrow brings you monies falling on your head. But the paper kind. Not the change kind. And it doesn't suffocate you, or knock you unconscious or hurt you in anyway. And that it becomes yours. To use. I think that's specific enough. I know the wish fairy likes loopholes.

The Taco Prophet said...

My wife and my father in law are plotting ways to get me into a new car. But I'm Irish. So I'm resisting until I can fucking afford it myself. So we'll see how that goes. :)

Bluejeangirl said...

Pfft.. you'll never be able to hold out against the two of them.. give in and be happy that you have family that loves and appreciates you. They're only looking after your best interests after all.

The Taco Prophet said...

Bah. I can easily appreciate that my family loves me while continuing to sabotage myself, especially considering that it speaks more to their awesomeness than my self-worth.

Have we met? :)

Bluejeangirl said...

P.S. Maybe the new one will have a valid inspection sticker. ;)

Now stop beating yourself up and get excited about "new car smell".

suyapi said...

If you don't like "new car smell" we can add our own...scent to the car.

E. S. Collins said...

See I figured it our. Ready? When life keeps knocking you down again and again and again starting as far back into childhood as you remember the trick to finally making it stop is to stop trying to get up. Just stay down.

Just. Stay. Down.

The Taco Prophet said...

Should I play dead?

Grimmstail said...

@suyapi

Here we go again with marking territory. Better let his wifezilla do that anyhow. She has the experience necessary. :D

vjkmkp!

...er...gbyawn?

suyapi said...

Hey, I'm experienced!

@ Taco - I like to curl up in to a ball. If you play dead, the life vultures come and start pecking.

Karn said...

Must be karma. I giggled at your predicament, and now my check engine light is on. I am glad I didn't laugh out loud. In all seriousness though, give into the darksi....I mean the wifezilla.