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Archive for June, 2009

Extended warranty musings.

June 25th, 2009 at 06:21 pm

I took a test today to be a library technician. Most of it wasn't too hard but some questions made my brain explode! I want this job soooo bad! It would be just the hugest upgrade from the job I have now.
Anyway this blog is basically what I've been thinking about my car notes lately. When I bought the car two years ago it was used certified for 13,400. With ttl it went up approx. a thousand I believe. I did the smart thing (for once) and financed it through a credit union who amazingly financed that large of a loan to a student with a low income. I got a great percentage for a four year loan for 6%. However, I also did something somewhat dumb IMO. After reading all this stuff about not buying extended warranties and reading Suze Orman's books which specifically said to NOT BUY AN EXTENDED WARRANTY, when the Credit Union asked if I would like to add it on I said "Sure!" Why? At first I was like, no way, I know how those work. But the loan officer just happened to be a customer who came into my work very frequently for photos (when I worked in the photo lab.) So I guess I trusted her a little more and she's very nice. She took out a graph and showed me how much it cost to maintain the car and how much it would cost if the car broke down, etc., etc. And I broke down. Also I had a choice of an 80,000 mile warranty or a 100,000 mile warranty and I took the former which cost around $950. The other cost 1100 or 1200 (I don't exactly remember.) And guess what? The warranty has just expired a few weeks ago. How many times did I use it? 0. Awesome. I feel pretty stupid for it. But I've learned a very valuable lesson, and at least I have that. But I keep thinking of how much closer I would be to paying it off it I had stuck to my gut and not bought that warranty! Not to mention it is a Honda Civic and yeah they do break down eventually, but with good maintenance it isn't usually something serious. The only thing that's happened is that the battery wore out, and that wasn't even covered by the warranty. So I know many of you already know better, but do not get tricked by the banks selling products or the dealer for that matter! Be strong, and never buy the extended warranty!!!

Life and money update!

June 22nd, 2009 at 11:33 pm

I've been meaning to write a blog recently and since I don't want to go to sleep, here it is!! Ok so I graduated with a BA in Anthropology from Louisiana State University on May 15th. It was a very exciting day btw! But I've disappointed myself kind of because I had expected to have a new better paying job by now. At the moment I work as a pharmacy technician at Walgreens. It can be an extremely exhausting job and there is always a lot of pressure. Our store is one of the busiest in the district and due to manager changeovers has had numerous issues (mainly people quitting in droves). So basically my job sucks a lot. I'm tired of dealing with all these people that are batsh*t crazy and/or straight up drug addicts. Some of them are just plain sad. But I got the job for the money (better than most flexible hourly jobs) while in college, and some people can't even find any jobs right now, so I guess I should feel lucky??

Anyway, I feel as if things may be looking up soon, as a friend has let me know of a job at a library. I never thought of myself as a librarian type person but I'll try anything at this point. *And* it pays like $5 more than I'm making at the moment. Only thing is is that there's a test involved. I'm gonna try and take it Thursday. I love love love reading and it would be so much less stress. Maybe a little more boring but right now it sounds like a freakin' dream. Also my current job wants me to become certified, and that involves going to classes and taking this big test. I don't want to do it but if I don't and I don't get another job, I'll lose my permit status in January and won't be able to fill scripts. So everyone help me hope for the best (finding a job)!

Lastly, I reeeally want to pay off my car. I think it's kinda ridiculous that I owe 5200 on a 6 and a half year old car (03 Honda Civic.) I've always paid extra on it but I've decided to accelerate the payments and attempt to pay around $400 each time instead of the $261 that I actually owe. I hope I can keep it up. I will also be owing student loans in Jan. but that will be my only debt besides the car. I need to move out as well so that will be another expense. Does anyone else feel that they're just treading water and never moving forward? And then there's the love life right now= that's just another sad story. So that's about it for now. I've enjoyed everyone's updates and stories so much that I got excited about writing my own! Oh and one more thing! I've really wanted to see what it's like to be an extra in a movie/tv show lately, and True Blood, an HBO show about vampires, is filming here in Baton Rouge. I'm gonna send them my application to be an extra since they have an ad out. It's paid. Wish me luck on that one too! Thanks for reading!