Welcome, new readers! Please check out the "about" pages linked up top, and please help me reach my goal of an undetermined number of feed readers by an undetermined date by subscribing!


January 11, 2010 · 3 comments

I snapped the above photo with my phone as I was leaving my mechanic’s lot. It’s probably the last I’ll ever see of my truck. I went over Friday afternoon to get anything of value out of it, and to say goodbye to my third truck. I forgot my checkbook, though, so when I went inside to tell my mechanic that, he suggested I just pay him with the truck instead. Wanting to just get it over with, and having been awake for about 30 hours by then, I agreed and signed the title over to him so he could sign it over to the salvage yard. I might have lost out on a few bucks in doing so, but oh well. I just wanted to sleep.

Being awake for 30 hours is no easy feat, but is unfortunately necessary sometimes. There was an H1N1 clinic down at the expo center on Friday, as well as a gun show, and we were needed for traffic control. I needed to be there because it’s our are, and I was the only one from our station available, which also meant being in charge. Cold. As. Balls. The only gun show traffic was vendors, so it was pretty uneventful. I eventually threw out some cones and let the signs do their job, due to the cold and wind. Saturday was a different story, as it was the actual day of the gun show, and as such, a total clusterfuck. I wasn’t in charge until a couple of hours after I got there, but when I was, boy did things go downhill. Problem here, problem there, problems problems everywhere!

Anyway, right after signing over my truck, I went straight to the insurance office to let them know. She gave me two options – suspend and keep a credit on my account til 6 months down the road when they’ll call me and ask me if I have a new vehicle yet (or apparently PennDOT will want the plate back, which sucks for them, because I don’t have it), or outright cancellation. I went with whatever, which ended up being the first option. Either way, one bill eliminated. An extra $49/mo for me. I also knocked my gas budget down from $35/mo to $10/mo as a complete guess, so even more extra money for me.

An equation has been added to my spreadsheet to find that magic number for staying on track to meet my 5 year debt elimination goal, and any extra income above that will go towards saving for a new set of wheels. I also realized that, if I’m living off of last months income in the YNAB fashion, I should be making my payments as soon as possible to be applied to the correct month, rather than still sticking to the old “pay a bunch of bills when the check comes in” business that I’ve been doing, since I don’t need to do that anymore. It’ll make for slight interest savings.

Okay, now I’m just rambling, and rambling is boring.

Did you enjoy this article? Please subscribe to Debt Sucks for superior enjoyability!

{ 3 comments… read them below or add one }

Investing Newbie January 11, 2010 at 1146

So was the truck your only mode of transportation? If it is, I guess you have a new expense which is…well, transportation.


Jake January 11, 2010 at 1359

No no, that’s why I still have a gas budget, as I still have the scooter.


Investing Newbie January 12, 2010 at 1234

A scooter? Scooter>Truck. You made a good deal.


Leave a Comment

Previous post:

Next post: