Comfort

Did I tell you about the last two years of my life?

Mr. Manne died. I moved to Ohio. My mother died. My father died. I married the love of my life, with whom I had only spent four weekends since 2005.

So it goes, right? That’s how everyone rolls through life, right? Life seems uncertain, and then BOOM—you hit forty and do everything all at once, No? Just me? Okay.

Just after the wedding, I started this experiment of purchasing nothing. I decluttered (and am still decluttering), reviewed my finances, and realized that, oh CRAP—it’s a mess. It’s always been a mess.

I looked at everything except vehicles; my vice and passion were left off the table for scrutiny. I had trimmed the excess fat off every other expense and bad habit. I’ve even cut out 90% of my eating-out and take-out coffee. It’s not perfect, but I sincerely thought I’d do worse with this.

Then came the honesty—I’ve always spent too much on my cars. I’ve typically had more than two cars for my entire adulthood; usually a classic (or 2 or 3) and my daily driver. All of these cars would be purchased, registered, and insured and start the lengthy, neverending, expensive process of modification. What can I say? I am, always have been, and always will be a gearhead.

I remember when I found my Roadmaster in a field in Pensacola during my Freshman year of college. She practically mesmerized me, and I thought about her nonstop until she was mine. At that point, I had the Nova, a little 5sp V6 Ranger, and then added the Buick into the stable. I was the only college Freshman I knew that had multiple cars.

It wasn’t like I easily had the money to do this. College was spent living with family, forgoing parties, bringing my lunches with me, and living like a miser in every other way. Then at night, I’d plug in the work light and tinker under the hood until my body ached with fatigue. Everyone else was partying, networking, drinking, and creating social bonds. In hindsight, I can’t say this was the best way to spend my college career, but it kept me out of trouble.

So now I look at these expenses, and the blaring cost is my Raptor. These days I only have 2 vehicles: the Raptor and the Roadmaster. I reluctantly put the Roadmaster up for sale. She’s a challenging sale to anybody but the most fearless of us petrol-headed type people. While the big stuff like engine, transmission, brakes, and suspension are present and accounted for, countless things need to be finished, installed, and buttoned up. If she weren’t mine, I would read that ad and think, “Yikes, too much work.”

I did this.

My Raptor, though…

I decided to trade her in on something cheaper, reducing payments and overall cost-to-own. Cost-to-own is one of those sneaky topics that is easy to overlook. For me.

I test-drove. I tried. Folks—I’m skeptical that this part of me could ever…EVER…be subdued. The minute I started driving these potential replacement vehicles, I was picturing the mods. A tune, no doubt. Maybe lowering. A wrap? Yeah—I didn’t really like the color. Turning that part of myself off seems like an impossible task.

So, I have backtracked on this part of my expenses experiment. These last two years have been chaotic, and feeling like one thing is staying the same brings comfort. Sometimes that alone is worth hanging onto, even if the actual cost is monetarily higher. This has been the one constant in my life since I was three years old, and I’m okay to pay extra for this one thing.

I guess my silly ass will just accept the expense.

Skeptically Yours,

Bigskeptic

I Should Be Honest

My Biggest Personal Finance Challenge

I know I must answer for wasteful buying practices, blind purchasing, and emotional shopping. And a dining out proclivity. And relying on to-go coffee. Subscriptions. Ugh, the list goes on.

I have planned and listed plenty of things for this year of adaptation.

The one thing that was suspiciously left off these lists were my most significant expenses: mortgage, which I can’t change at this point, and I feel like my rate and payment are fine, and vehicle.

I drive a Ford Raptor. I LOVE this truck. It has saved my ass several times by practically driving itself with Advanced Cruise Control and Lane Centering when I’ve been sick and had to get myself to work or the doctor. She has been a champ during the Ohio winter months through sleet, snow, and ice. On a treacherous night in my previous position as a Field Rep, the biggest blizzard I had ever seen seemed to bear down on me in particular. My windshield wipers were so frozen they would barely move, and I was in the outer stretches of Ohio by West Virginia in the Appalachian Mountains. My CleverGirl triumphed through it all, and I was high and dry inside. It felt like she did that alone, and I was merely a passenger enjoying her bulk, strength, and capability.

If that sounds dramatically attached to a vehicle, you should know it’s just the tip of the iceberg. I have a relationship with every car I’ve ever had. My 1954 Buick Roadmaster sits in the garage unfinished, but I say “Hello Mattie” every time I see her. I have put blood, sweat, and tears into that machine to get her this far, and I would do it all again.

Automobiles aren’t A to B tools for me. Cars are the one place where Art, Physics, Design, and History meet a usable, tangible thing. The car has been alongside epic moments, moving our society forward. Think of JFK for just a few seconds and tell me—tell me that you don’t see his Lincoln Convertible attached. I can tell you many more examples, but know that for me- I cannot untwine the vehicle, history, art, and culture.

All this is to say, I’ve justified CRAZY high car payments because my vehicle is much more than a vehicle. A look back at my automotive past shines a light on the willingness to accept that a sizeable chunk of my income would be spent on vehicle-related items.

GS300
Lexus into an F-Type
Silverado 6.2L 4×4 into Charger Daytona Scat Pack

From custom Mustangs to an F-Type to a loaded Charger Daytona Scat Pack and more—my vehicle purchases have been mainly for enjoyment.

And that brings us to now, with me listing my expenses meticulously and planning ways to do better. I have dissected everything in my life…except my costs regarding automotive. I LOVE my truck, but the truth about this Raptor is that it’s expensive. My monthly payment is crazy, insurance isn’t terrible but could be better, MPGs are deplorable, and anytime I have to replace something, it is UNGODLY expensive. Tires–minimum $2500. Tailight lens: $1200. You read that last part right: I had a pinhole in my taillight lens, and because of equipment like Blind Spot Monitoring and Cross Traffic alert—you can’t have ANY moisture inside those lenses.

If I’m honest with myself during this year’s experiment, I will say, “Self, you spend way too damned much on vehicles. What would you do with the money you saved from driving something less expensive?”

The answer to that is multifaceted. My husband and I want to foster children, which is enough for most people to make changes. We also have five rescued dogs, which are a big part of my monthly budget and absolutely my passion. If I needed to move five dogs in an emergency, it would be really hard in the Raptor. If we foster children, where would I put ALL that equipment you have to carry with you? Toss it into the bed? I won’t put dogs in the bed of a truck, and I don’t think throwing strollers, etc., back there is a fantastic idea.

And then there’s the hard truth: I have back-burner-ed until now: I NEED to trade that truck. I am not complaining about my pay or the teamwork I have with my husband, but I am not in the income bracket to easily drive this truck without stressing about costs. I would like to be, but I am not. Especially since I have, I have a debt to pay down.

And so—your humble narrator has done the one thing I have tried to avoid since starting this experiment (and since…birth). I have committed to selling this truck and replacing it with something dog and family-friendly. This is the way.

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