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Deferring a car payment and other ramblings.

November 22nd, 2008 at 04:22 pm

I got a letter today from the bank that holds my car loan. It said I could defer December's payment! Normally I wouldn't even think about it... but it's a $30 fee to defer my $323 car payment.. We have been painfully slow at work this month (which means less $$$ next month) so I am going to do it. I'm not too happy about it, but with paying the $30 fee and NOT paying the car payment, I SHOULD be MAYBE able to catch up on the bills and then start off 2009 on a GOOD note.

We've told everyone, once again, we can't afford to do Christmas. We'll still go visit our families though. For Thanksgiving we're spending it here, because I don't want to spend the gas $$ to be driving 4 hours, 2 hours there and 2 hours back. Plus now that I'm an adult (or something, LOL.) I thought it would be nice to spend a holiday at home with just my husband and our dogs. We sadly won't have Thanksgiving dinner though, unless I can find really, really cheap stuff to make it. But anyways, like last year our family insists on giving us gifts, even if we can't give them in return. Just like last year : ( it makes me feel like a heel. Although my husband said his mom was getting me new tires for my vehicle, which I need and haven't been able to afford. So that will be super sweet.

Our anniversary is coming up!! I've been trying SO HARD to think of something awesome and cheap to do for my husband and am coming up blank with any good ideas.

I've decided we're going to raise our tenant's rent. I REALLY REALLY REALLY hope he doesn't move. His rent is way too cheap though and he's had it for a while. If he does say he's going to move, we're screwed. I'm trying to figure out how much I can raise it and have him decide it's worth staying here.


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