Last night I mailed off what is probably the biggest check I've ever written. And you guessed it - it's the one to pay off my car. **Scary**, very scary. Then again, it needed to be done. Yes I sent it early, I couldn't wait any longer and my courage was waning. (grin)
I should note that I didn't send the entire amount due. I will owe around $149 bucks after the check clears. I had a few reasons for doing this. First of all, my car loan goes up about $1.25 a day (for those who don't know - car loans vary in what is actually owed day by day, for real). So if I paid off the whole thing, I'm quite certain I would be left with a $2.50 balance because it takes a few days to get there and process.. and like hell if I'm going to write a check for $2.50.
In addition - I'm not sure if there is a penalty for paying it off early. That's the 2nd reason I didn't pay the whole thing off in one shot. I will be calling them as soon as I finish writing this (they have a 24-hr toll-free support number, neato).
I pray to God that no unnecessary crap happens with all this. Banks hate it when you pay stuff off early, because they lose money when you do it, hence the reason they don't like it.
And sure enough - a problem happened with the car today. The blinkers decided to stop working for about 5 minutes. Then they came back on, then went off again. I think I have about 1 or 2 months of warranty left of this thing, so that's another call I will be making tomorrow. I will just make it before the warranty expires. (grin)
I've been connecting to home from work for a few days now - everything seems pretty stable which is good. I get kicked off the connection every now and zen but otherwise it's tolerable because I can just reconnect.
I have been getting very lazy concerning the screenplay I'm writing, and I've got to get that done and not let it just sit there. That has been bothering me for a few days now.
My Counter-Strike team is still looking for team players who will actually show up when they're supposed to. I am having (what I consider) a large problem getting people who apply to the team to actually BE there when tryouts are scheduled. This is what happens: They sign up, get their application approved, have a tryout scheduled and then ditch. They they contact me AFTER they ditch and explain "why" (which is a guaranteed lie). Sadly enough, most teenagers (the age group who plays Counter-Strike mostly) have absolutely no sense of responsibility when it comes to commitments of any type. Very, very frustrating - and annoying to boot. I guess that's what you get when you deal with teens. Most of them just expect to have everyone else take care of them and not suffer the consequences of their actions. But I don't play that. (grin)
It's also getting closer to the big day when I pay off the car. I look forward to it but at the same time fear it for obvious reasons. See my previous post on that for the reasons why. As the day gets nearer, I'm reminded "Wow, I've been making car payments for seven years!". Yeah, seven years. Making car payments for what seems like forever happens because most of us will "roll over" an old car's loan into a new one in order to get a new car. That's what I did several years ago. It's also the reason I'm still making payments today. But not for long. And man does it feel good to say that. The happiness outweighs the fear here. Yeah I'll take a big chunk out of my savings to pay off the car. But I will have a paid car. Paid, paid and paid. YES. (grin)
I, being the fool that I am, bought a new car several years ago and have been making payments on it a long time, something like 3 years now. I consider anyone who buys a car and cannot pay it off in 2 years a fool (including myself).
But anyway, I will be doing a foolish (depending on your point of view) move again. There is currently a few bucks left that I owe on the car. I have some money in the bank and am going to pay off the car entirely as soon as I get my next check next week (not this week).
This could be a foolish move or a very smart one. I will be severely depleting my savings to pay this damn thing off. On the bright side, there will be no more car payments, and all the money I would be sending to car payments I can now keep to myself. Correction: I can pay off my credit card, and then keep the cash to myself. (grin)