Already?

It’s the 3rd day of the new year and already I’m so pissed I’m almost hyperventilating.

I checked the mail today since I didn’t have to drop Ricci off and got a letter from the Auto Finance place. Turns out our $250 payment is late again, yet we gave Mary the money when it was due (it’s under her name). It also says something about the Current Payoff being $3,292.65–what does current payoff mean? Is that what we’ve “paid off” or is it what’s due? I REALLY hope it’s what we owe, because we’ve been paying $250 a month on this piece of crap since March 19, 2001. We should have already paid–including the down payment–at least $13,500 on a 98 Nissan Sentra. We’re supposed to finish paying it off March 19, 2007 and I’m estimating that we still owe $3,500. I’m just hoping the $3,292.65 is what we still owe, not what we’ve paid.

I thought we were supposed to finish this year, but I was wrong–it’s next year. The thing is, we keep getting these darn “late payment” letters when we give the payment when we’re supposed to, or when we’re told the payment’s already been made. I even found a letter stating that they were ready to repossess because of non-payment! We stay broke just so that we can make all our bills on time, dammit. I don’t know what’s going on.

I really want to finish paying this car off. We really need to get a new car as the darn Prelude’s still having problems and Mario needs a car for work. They’re hoping to get John’s car up and running before Noelia starts school (Mario’s currently using her car), but that’s proving to be a problem as well. Why do Honda’s have to be such pains??

Anyway, I really needed to vent but I still don’t feel any better . We need to change banks too, so I can’t get an online account up and running for the car payment either. I really want, no NEED, to know what’s going on!

on Friday, January 6th, laurie said:

hey girlie, current payoff means that’s how much you would have to pay today if you wanted to pay it off. your calculations sound about right. Hope this helps.

on Wednesday, January 4th, Megan said:

this is so freakin cute i love it 😀

on Tuesday, January 3rd, Vic said:

Grr! I hope things straighten out. xoxo

on Tuesday, January 3rd, Johanna Rios said:

I hope that things get better. I can’t even imagine purchasing a vehicle. Rent and daycare really take a toll on both of our paychecks:( Online bank-accounts are great and allow you to really control your payments. Take care!

on Tuesday, January 3rd, Lauren said:

i hope your day gets better yaya! :\ i just put a new layout up, come see! <3