Hmmm – what’s plan B, or is it C?

I cannot get a loan for my Jeep repair.  I can’t say that I really blame RBC either.  If I owe 18k on the Jeep now (not sure what the exact amount is) and then I add on 10k to get it fixed, that comes to 28k on a vehicle that may only be worth 14k.  So, I understand how they look at the situation.

Now, if I had perfect credit (which, unfortunately, I don’t), I might be able to get a 10,000 loan without much trouble.

So, there is another possible option that I am not really counting on.  I have a fairly large locked-in RRSP that is being transferred to RBC.  There is a possibility that I can take some of the value of that RRSP and convert it to cash.  I would pay tax on it, but then I could get access to the money I need.  I am not sure if I will be able to do this and quite frankly, I doubt that I can, but it is worth a try anyway.

If I can’t do that then I am left with a few options that aren’t too appealing.  I won’t continue to pay for a vehicle that I can’t use.  I do realize that it isn’t TD Financial’s fault, but, they are the ones that I would stop paying.  I am sure that they will send it to collections – that can be annoying.  I am sure that they would sue me – that would likely be annoying as well.

Anyway, I will find out on August 20 or 21 what’s going on.  I am the type of person who doesn’t worry about such things though.  Really, why bother?  I can’t change the situation.  I know what the options are and I have given thought to each of them but I don’t dwell on them – that’s unhealthy – it causes stress and no one likes stress.

So, I continue to be vehicle-less and that isn’t going to change any time soon.  Even if I get access to the cash I need in 10 days from now, it is likely going to be another month before I get the Jeep back.  That’s the middle of September…

I am going to actively pursue moving downtown.  It’ll end up saving me a lot of money and I will be able to get home at lunch for the dogs.  Right now, Blondie is crated during the day because she wasn’t able to be “good” all day long.  I may look at purchasing a pen for her so she isn’t in a crate – not sure on pricing.  I will be able to walk to work and, if I do get the Jeep back, I will save on parking and gas.  Right now, I am spending somewhere between $1100-$1200 per month for it – payment, insurance, parking, gas – that’s nuts.  If I do get rid of it, that’s a crap load of money that I could save.

Time will tell what will happen – I am looking forward to this saga being over.

About kdarcy21

Well, this is my BLOG, so, read the BLOG !!!
This entry was posted in Personal, Vehicles, Zeus, Blondie, Hera and Twix. Bookmark the permalink.

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