Been having problems with my truck lately (among the myriad of other issues
with it) as I mentioned in my previous post. Turns out my rear calipers
are blown so all the brake duties are solely being supported by my front
brakes. And I'm leaking brake fluid because of it! Joy! And I can't
afford to fix it. So I ended up getting just an oil change for now and
will have to see how things pan out with my second job if they give me
anymore hours or not. Probably not. And top it all off, the guy at the
auto shop pissed me off because I S-P-E-L-L-E-D out my name for him and he
still called me Jess. That's SO not my name. And the other guy, after I'd
corrected him, called me Tess. ALSO! NOT! my name. Far from it. How the
fuck they got Tess or Jess from my non-monosyllabic name I'll never know.
Doesn't even fucking rhyme with "-ess". FAIL!
So, I'm thinking in the interest of safety, I should park my truck and take
the bus to work and only drive when I absolutely have to. Which I really
shouldn't be driving anyway because my registration is flagged because of
an insurance lapse, which I've since reinstated, but I still owe the DMV a
civil penalty (or I need to turn my plates in for 78 days)*. Also
something I can't afford right now. But another thing I can't afford is
time or lack of independence from the convenience of my vehicle. I don't
know how poor(er) people do it.
So, life pretty much sucks in the automotive department right now. Tried
calling some dealerships to see what I could do as far as trading in my
hunkajunk towards a new car. Can't get a new auto loan to absorb the
little that's left that I owe on the truck and get a pre-owned vehicle
because my credit is bad. Can't get an extension on my personal loan to
cover the brake repairs and the DMV penalty because my credit is bad. I
JUST got my credit cards paid off and I could put a large chunk of change
on both of them and max them out, but I don't want to use them because I'm
trying to build my credit UP, not down. I ONLY want to use them in case of
an emergency and right now this does not constitute as an emergency in my
book. I'm really trying not to lean on the credit cards if I can
absolutely help it. And I don't want to borrow money from anyone for it.
I know it's stubborn, but I'm already into two rich uncles for 4 digits, I
don't want to get into anyone else either. I'm tired of borrowing. I just
want to work and keep plugging away until I get things straightened out.
Talked to the bank and I might be able to get a deferment on my loans for
two months if I provide them with proof (which I have). But it hasn't been
the 18 months that you have to wait in between doing this and I already did
that last year so I could afford to move into my new apartment. They might
be able to make an exception, and at least it's an avenue to explore which
is a tad bit hopeful, but I'm not counting on it. I never count on
anything or anyone but myself. Stubborn? Yes. Foolishly so? Probably. But
I'd rather only answer to me than anyone else. And right now my ass
answers to all manner of debtage.
Have my day job but that's only enough to sustain, not get ahead (or be
able to afford the "oh shit!" incidences). If I want to get ahead and
actually be able to afford the shitstorm of things that ALWAYS SEEM TO
HAPPEN AT THE WORST POSSIBLE MOMENT I need a second job. But I can't work
a second job taking the bus everywhere because the time it takes to get
anywhere, there's not an employer in the world that will say "oh, you want
to get here by 6:30 and only work 2 hours so you can catch the bus home
because they don't run where you live that late?". Can't drive a car
that's broken. Can't fix it without a second job. What do they call that
when you're stuck between two situations and can't do one without the
other?
Oh yeah: FUCKED.
*sighs* Everything around me is breaking and I can't afford to fix any of
it. But at least I'm lucky enough to have a roof over my head. whoopee.
:/
Part of me wonders if I shouldn't just go ahead and turn in my plates for
the 78 days since I can't afford to pay for the brake repair right now
anyway, then I won't have to worry about the civil penalty, and it'll buy
me time to be able to afford the repairs. But then I really can't work my
second job. And I'm stuck taking the bus or my bike everywhere. Bleh.
It's doable, but damn what a pain in the ass.
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