Well, the cold snap we were predicted to get has been dipping to temperatures colder than predicted! This morning, when I did my morning rounds, we were at about -28C/-18F, with a wind chill of -32C/-26F We were mostly sheltered from the wind, though, and it was bright and sunny, so at least in our little microclimate, it felt a bit warmer. Still, the yard cats were thoroughly mashed together on the swing bench in the sun room for the night, keeping each other warm!

This picture was not from this morning, though. This is from when I got back from town this afternoon.

This is the little one the girls have named Colin (Mochrie), because of his “hairline”. There’s another little white and grey one that is not friendly, but loves to jump up on the shelf under the bathroom window and peek in. My daughter says he looks just like Tissue, but haunted, so they’ve named him Dryer Sheet.

So… among the calicos we had Cabbages, and now have Broccoli, mother of Brussel and Sprout, and we have grey and whites with the tom, Shop Towel (aka: Sad Face), father of Tissue and now Dryer Sheet (along with 8 other white and greys, including Colin).

Coming up with names for the cats has been a lot of fun! 😁

Anyhow…

Before I headed out this morning, knowing I’d be away in the afternoon, I contacted the hospital about my mother’s appointment. We have a date, but not a time. I ended up emailing them, but they did call back fairly quickly. Once I got those details straightened out, I phoned my mother and let her know. She was not happy to hear she had to be there for 9:15 in the morning, and was wondering why it was so early. *sigh* When we spoke yesterday evening about it, she was going on about how it’s winter, and it’s so cold and it’s so far away… We’re actually supposed to be back up to just below freezing by then, and it’s not that far away at all. She’s just gotten used to not getting up until 10am, and is really not looking forward to the procedure!

But, that’s all been worked out.

Then I got a message from the garage, about our financing application. The financing company wanted proof of income, including my husband’s most recent pay stubs, and confirmation of disability income from both Sun Life and CPP Disability.

My husband hasn’t have pay stubs in almost 10 years. He did get his annual letter from Sun Life, confirming his payments for the year, last month, so I was able to take a photo of that and email it in. As for the CPP Disability payments, we have no letter for that, so I sent in a copy of our automatic payments and deposits from our bank. If that wasn’t enough, I’m not sure what else I could have sent them. He did get his T4A from CPP Disability (still waiting for the one from Sun Life before we can do our taxes), so maybe I could have sent them that.

I got to the garage quite early, so I dropped off the key, talked to them for a bit, letting them know about the problem with the van not wanting to start, and that I’d sent in the required information for the financing application. Then I was going to go to the restaurant next door for lunch. It turned out they had been open during the holiday yesterday, so they were closed today – normally, they’re open 7 days a week. The next closest restaurant was quite a few blocks away (one thing about this being a tourist town: there are lots of restaurants, but they’re almost all closer to the beach). It was a nippy walk, that’s for sure!

I was back at the garage about an hour later, and the van was almost done. The owner was constantly on the phone, or answering text messages, or looking up parts, etc. the entire time I was waiting! After his mechanic finished with the van, he did a final scan using their shop tablet (that thing is so solid, they could probably throw it across the room, and it won’t break!), but that got delayed because they had to update the software! Of course, when the scan finally got done, there were a whole lot of codes that came up, which he cleared. The main thing is that, with the new sensor for the temperature gauge in, that’s one code that was fixed! At least I’ll know if the engine suddenly starts overheating or something.

As he was getting my invoice ready, we talked about the financing again. I really hope it comes through. As I told him, as much as I don’t like the idea of having car payments again, I much prefer that and having a vehicle that I at least know will start! It turns out one of the calls he had earlier was from the financing company. Since I was there, he’d told them that if they needed anything else, he could ask me right away. He was told everything looked good, and the application has been sent to a bank.

Now, we just wait.

At this point, either we get approved, and I’ll just need to send them a voided check, which I can do by taking a photo of one and emailing it in, or we get turned down and that’s it.

We are SO close. My biggest concern is that we do get approved, but the monthly payments are higher than we can afford. Yes, my older daughter has said she will help with the payments, but I’m calculating as if that’s not going to happen, just to be on the safe side. Her income is all commissions based, after all, so how much she makes a month is variable.

In all honestly, right now, I just want to get an answer, one way or the other. It’s this hanging in the air, waiting, that is most frustrating. Especially after what happened last time, with the other financing company. In the end, though, not getting that vehicle doesn’t bother me much. The Caravan is much more suited to our needs.

We’re one step closer. It would be awesome if we got an answer tomorrow!!

The Re-Farmer