Dancing on the Budgetary Edge

Dancing on the Budgetary Edge

I’m buying a new car.

Not the actual car, but pretty darn close!

Okay, not a NEW car.  I’ll never buy a NEW car.  But this is pretty darn close.  It’s a 2013 Kia Soul, it only has 60K miles on it, and it even has some bells and whistles.  And it’s a manual transmission, which actually makes me happy.

I’d gotten pre-approved for the car loan from my credit union, but after some finagling and confusion, the dealership was able to finance me at a much better rate, so I’m going with that.  The only downside is that I have to pay the tax and title out of pocket.

Cue the financial panic.

I get paid on Friday, and wouldn’t be able to pick the car up before that anyway (punishment for losing the photo card on my license renewal).  But of course this week is mortgage week.  So between the two payments, that takes my ENTIRE paycheck, plus the last of my (admittedly small) emergency savings.

I went ahead with the commitment on the car.  Between the quality of the car and the improved financing, I can’t lose the opportunity.  And I’ve been in tighter financial situations before with less signs of light at the end.  I just have to make it to April 15 when I get paid again.  But I still am panicking and feeling out of control.

I have a couple of different coping strategies in these situations.  My favorite:  I bake.  And then I eat everything I baked.  I’d like to avoid that.  I already can’t fit into my size 12 jeans (thanks, Trump) and I’m committed to doing better on the diet front.  So now I’m cleaning.  Starting with the kitchen.  I’ve spent the morning scrubbing and sweeping, and it’s looking pretty good.

I also made planning and distraction lists in my bullet journal.  First I made an austerity menu.  This coming week is already covered (the joys of 2 week at a time menu planning), so it’s just the next two I have to sweat.  I did pretty well and ended up with only an 8 item shopping list, not counting milk and cereal.  We even only resort to pancakes once!  And that’s more because the kids like it than because I had to do it.  My well stocked freezer is paying off.

Then I made a list of jobs that need to get done.  What I had PLANNED to do for the next few weeks was work on the new garden beds, but the money for lumber and dirt all just went into the car, so that’s a no go.  Instead I’ve just made a list of all the other yard chores we need to get done in advance: Cleaning up the yard, finishing off the bike shed, turning the existing beds, that sort of thing.  Some indoor stuff, too.  All things that need to get done but don’t cost any money.  There’s probably enough there to keep me busy until next pay day.

I had hoped for that weekend to be an orgy of gardening, but RL continues to hold me back.  We’re going to Hershey Park with Rachel, Matt and Uly on the 15th, which will be fun since we’ve never been.  Then the 16th is Easter Sunday, and I’m worship associate at church that day, so there’s half that day, and I’m not sure what will be open anyway.  So I’m going to take Monday and Tuesday off as well.  By that point, I will have earned a couple of personal days, and the kids are still off on Monday for their spring break, so I can impress them into labor.

I can do this.  It will be worth it in the end.  The new car will make up half its monthly payment just in the gas I’m going to save.  And I’m hanging onto the van until I get all the dirt and lumber home that I need (I’m going to miss being able to haul anything I need or find curbside whenever I want!), but hopeful after that I can sell it and restock my emergency funds.

Life on the edge, baby.  Gotta know how to do that dance.

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