I gave in. I don’t like it, and internally I am throwing a major tantrum, but I gave in. I did NOT want another car payment. Getting another loan is a major step back in getting debt-free. However, the fact remains – we are a farm of sorts and we need a tow/hauling four-wheel drive vehicle. We are also short a car now that the van is shot. DH’s car has 200,000 miles on it. If any car breaks down, we are screwed.
DH and I spent the weekend truck shopping. Saturday was the longest day and by the end the trucks were no longer sticking in my head. I couldn’t remember tow weights, mileage, prices or anything. Thankfully, DH does have a head for numbers and kept it all straight. I’m sure he probably got sick of me asking, “Wait, how many miles/what was the price/what is the tow weight again?” type of questions. I had started off with a notebook to keep track of things, but when we took a break at home I forgot it.
We had “mandatory” items: Must fit 5-6 people, be able to tow 10,000 (our camper is 6500 dry), bed in good condition, be four-wheel drive for our winters, minimal rust and under 150,000 miles. Our “would be nice” included the back bench seat windows going down, air conditioning, cruise control, etc. It is a work truck not a pleasure vehicle. As long as the mandatory list was there, we looked at the truck. The one we really liked was $6,000 over the budget I set.
Of course, DH wanted to raise the budget price, but I just gave him “the look”. It said, “Don’t even.” I loved that truck as well, but realistically we can’t afford it. This is why he put me in charge of finances. We both know he’d put himself into the poor house buying things he liked no matter how much they cost.
We finally decided on one. Of course, it turns out to be the flashiest truck on the lot we were at, but it ticks all the boxes, and I really don’t care what it looks like. While I was sitting in it, it suddenly started beeping and I told DH, “I didn’t touch anything!”. Then it started. I looked out the windshield and saw the salesman standing about 20 feet away with his arm raised. Remote starter. I have always wanted one.
It was a whole $5.00 under budget, but I decided it was more than I wanted to pay. The salesman was hemming and hawing. My dad is Jewish. I grew up in a Jewish neighborhood. I hate bringing up a stereotype, but –
The salesman asked, “What can I do to get you into this truck?” I said, “Make it come under my price with everything included (taxes, title, fees, etc – and a tank of gas). He began with excuses. I said, “Okay, thanks, but we’ll keep looking.” It’s amazing how fast some will backtrack when a sale is about to walk out the door. It took him a bit but he did it.
DH is thrilled. He is a full-on truck guy. He already declared that if we’re approved, which it looks like we are, he will be taking it to work the first week we own it. He works about 45 minutes away from home. I said he could have the first tank of gas, since all he wanted to do is show it off to his friends. He said, “Ah, you know me too well.”
The possible candidate:
Now I get the fun job of rearranging the budget to fit in the loan payment. I may need chocolate. Lots of chocolate. In fact, I’ll just pop open the bag of Enjoy Life chocolate chips and munch while my brain implodes.