What a gorgeous day it is today! As I write this, we are at -2C/28F, with beautiful sunshine and next to no wind. Snow is melting all over the place! Including our nice new roof – with not a single leak into the sun room!
I’m not sure how many cats I saw this morning – I lost track after 20. That long haired tabby even let me pet him, as he followed me up the driveway. On the way back, I spotted The Distinguished Guest, tucked into a path in the snow, waiting his chance to come closer to the house and get some food.
I got a message from the garage, letting me know our van was ready to pick up. The final bill was $216 and change. It meant setting a little bit less aside for our “car payment”, but not by much.
We got to talk about his trip to the auction, and no, he was not able to find anything, and he was able to explain the issue.
We actually got approved for a larger amount loan than the cost of the vehicle we were interested in. The problem was that the monthly payments would have been $750 a month, because of the interest. As my credit score is so bad, the interest rate would have been 29%. Which is insane. To get a vehicle that meets our needs, with payments we could afford, that was also 2014 or newer, with a maximum 180,000 km… well, it just doesn’t really exist.
Of course, right now, we have nothing to improve our credit rating. We have no debt. No rent or mortgage. Nothing that would improve our credit rating.
Get a credit card.
More specifically, get a card with a $300 or $500 credit limit. Max the card out every month, and pay it off every month. Which we could easily do with a single Costco shopping trip. In 6 months, we’d have a good credit score. Together with the money we are setting aside every month towards a down payment, he’d be able to get us a much newer and better vehicle, with payments within our budget.
While we were talking, his mechanic joined the conversation. He knew full well what we were going through. Thanks to the lockdowns, he lost his small trucking business 2 years ago. It wiped him out completely and, of course, his credit score was wrecked. He wanted to get a loan for a truck to start over, but couldn’t get one. He got himself a $500 credit card, maxed it out and paid it off every month, and it repaired his credit rating enough that he was able to get a lone for a truck – and those things go for about $200,000!
It’s basically the only way we have available to us to repair my credit score, so when I got home, I went online with my bank and started looking up what was available. Once I got to a certain point, though, I decided I needed to talk to someone, so I called it in. As I spoke to the representative, he told me the main issue was that I have no income – it will be based on household income. My chances of being approved was pretty low, but I could apply for a secured credit card. That, however, had to be done in person. He recommended I do that, rather than continue trying to apply over the phone.
Well, it was early enough in the day, so off I went to the nearest branch, in the town my mother lives in. I tried calling my mother to see if she would need groceries, but got no answer, so I took her car just in case.
I got in to see someone fairly quickly and explained our situation. We started the application for a secured credit card. The down side of this is they work it by locking the amount – in this case, $500, which is their minimum – in our account, so that if we ever reneged on a payment, they would get their money out of the locked funds. However, she suggested we go ahead and try for an unsecured account, first, and see how it that went.
Much to my shock, I got approved for a $1000, unsecured credit card!
I asked if it could be reduced to $500, which she was able to do.
I should be getting my card in 7-10 business days.
The whole thing was shockingly painless!
Once it comes in, it will be used only for gas and groceries, within our usual budget, that’s it!
With that done, I finally managed to connect with my mother and popped in for a visit. She only needed a few things, so I just ran out and picked them up for her. She commented that she wasn’t feeling that well, after the procedure – then started to tell me again that if they couldn’t do what she was there for, because she was on blood thinners, then what was the point? I told her, she was there for the scope; the taking of samples would have been only if they found something of concern, and for that, they would have had her come back. She started to get angry and insisted she never left the room and never had the procedure. She watched other people come and go, but not her. I explained the light sedation to her, and told her I don’t remember getting my bronchoscopy, either. Turns out she’s working herself up to thinking that the stuff they sprayed in her mouth, and lying about doing the scope on her, and her now not feeling as well is them trying to kill off old people to save money.
The sad thing is, I can’t fault her for thinking that. However, our “wonderful” health care system is now using MAiD – Medical Assistance in Dying – for that, so there’s no need for the elaborate scene she’s building up in her mind. So far, no one has tried to talk her into offing herself, at least. It’s a good thing we don’t live in BC. 😕
Anyhow, I temporarily mollified her, but I know it won’t last long. Aside from that, it was actually a really good visit, and I even got to talk to her about our plans for getting chickens (which she enthusiastically supports), and to make it so that if things happen, like the power going out for a long time, we’d be okay. Every time I bring that up, she starts talking about being able to use the old wood cookstove in the old kitchen, and I had to explain to her again, how badly damaged it is, and why it would be wildly unsafe to use it, even if we did manage to repair it. We may some day be able to fix it up, but until then, there are other things that we can do that we can do ourselves, at little cost, like building and outdoor kitchen under a shelter. In the past, she would have mocked me for the things I was talking about, but she doesn’t do that anymore. Since we’ve moved here, she gave us the hardest time over our plans, because they were so different from how she did things, and she didn’t believe we would actually do them. One example being the retaining wall I wanted to build at one end of the old kitchen garden. When I described to her what we had in mind, she laughed out loud. Then she told me how the family that used to live across the road from here (no one lives there now) had all sorts of grand plans for how they wanted to fix up the property, with retaining walls and garden beds and more. In all the years they lived there, they never did any of it. Therefore, neither would I.
Then I build the retaining wall, and we did several other things I’d told her about that she laughed at me over, or even became angry over, because she would not have done things that way. But they worked. So now, she no longer laughs.
For now, anyhow.
So it’s been a pretty productive day, even if not in the ways I expected or planned on!
I’m okay with that. 😁