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Home > Good Mail, Snow Day, and an interesting phone call (car)

Good Mail, Snow Day, and an interesting phone call (car)

December 21st, 2012 at 06:30 am

Today I went over to teh PO to pick up my mail since I'll be heading out as soon as I can get packed and awake in the morning. Smile

In the mail I had a birthday card from my aunt with a nice check in it, and a birthday gift from my mom/soon to be stepdad (book from Amazon.)

Tonight we had our Christmas program, an dit went pretty well I think. I made a video of it at the request of one of our staff members - although I don't know how good it is - there were multiple times where people walked in front of me, as well as just STOOD directly in the line of sight ... plus a portion where the people standing next to me started talking loudly about homework ... Should be an interesting video.

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Yesterday we had a snow day, which was really nice. I didn't get even half of the things done that I should've (like packing ...) but I did get some schoolwork done which was good.

I also received an interesting phone call (which actually relates to a piece of mail I received today which I didn't mention earlier.) The person who sold me my car called and asked me if I remembered how much I'd written my check for and how much I'd paid on my credit card. I told him the numbers, and he told me that they matched their accounting. However, the number I was given a loan for was $1k off! (This is because both the car salesman and I thought I was only charging $2k on my credit card, but the finance lady actually made a $3k charge.)

What this means is that instead of my loan being for $4,497 like I thought, it is actually for $5,497. I hadn't actually seen the full numbers/set up *until today* when I received my first loan statement from my credit union! I'm glad I got the call first, otherwise I might have freaked out a bit.

Car guy is going to send me a check for the overage amount.

I will put $650 of it straight towards the loan, and keep the remainder to pay Bofa if I have to (dad's estate stuff ... I used some of the money I inherited from his estate for the car down payment, so I'm not really using my own money to pay for the Bofa thing if I end up really having to do so.)If I end up not having to pay Bofa, then that money will also go directly to the car loan without hitting Go.


So, that is around 3 1/2 months of payments. Which will be quite helpful in my goal of paying off the loan in 12 months or less. (36 months term total) (My tax refund as well as 3 extra paycheck months will also be quite helpful.) Big Grin

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I was buying some books for the library today on Amazon (using gift card money only!!) when I found out that my cash back rewards from my car purchase had posted. It showed I have a reward of over $75 available. Sweet. Guess what I'm going to do with that money? Big Grin (No, it won't be spent on books for the library ... though I admit I was severely tempted ...)

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I am not really looking forward to either the drive to ABQ tomorrow, or to the flight tomorrow night. However, I am looking forward to eating at IHOP (only in ABQ not in either G town) and doing some shopping at the Schol Warehouse. I will *not* go over $125 in books (~$50 Schol Dollars, $50 approved purchase order + $25 coupon on $100 purchase.)

I'm also thinking that I might spend a little bit of my birthday money at Wal-mart and pick up floor mats for my car, and maybe one of those chair back massager units before they're stored away for another year. Smile Something practical and something luxurious. Big Grin Perfect combo I think.

7 Responses to “Good Mail, Snow Day, and an interesting phone call (car)”

  1. snafu Says:
    1356074624

    Have a safe drive, wonderful flight and joyoux noel. When you are ready to add extra car payments, it's very important to confirm that each is being applied directly to the principal. All too often extra payments are considered 'pre-payment' by the financial institution.

  2. FrugalTexan75 Says:
    1356075073

    Thanks Snafu - I asked when I called to find out my account number about that, and the person I spoke to said that anything over the normal payment amount would go directly to the balance. I will however double check that once my first payment posts. I sent in my first payment of $200, which is about $46 over the actual payment. So I will give them a call around about Jan 4 or so to see if it posted properly.

  3. creditcardfree Says:
    1356100958

    I remember you posted about the $1k difference soon after you bought the car. You were pulling money from some savings, so its nice that it seems to be getting straightened out and the money back in your pocket!

  4. North Georgia Gal Says:
    1356102042

    Stay safe on your drive! Enjoy your time away.

  5. My English Castle Says:
    1356108150

    Safe drive and do buy yourself something nice!

  6. Looking Forward Says:
    1356120567

    Glad that car loan stuff is getting all worked out.
    Enjoy your trip and your treat at IHOP. Smile

  7. Ima saver Says:
    1356121269

    Have a wonderful trip!

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