This should not be something I have to blog about. I should be able to do this without all the fretting and worrying.
I do realize this is not normal. Perhaps it is just an irrational fear I have and should seek counseling to resolve.
It is car buying.
I have purchased 2 vehicles on my own in the past 16 years. There is a disclaimer: we did purchase (together) a vehicle after my husband had a horrible wreck and totaled his truck. We went to the local dealership together just to get something he would fit into with his prosthetic device. His accident was so horrible and his prosthesis so painful looking and large, everyone in town knew about us. The car buying experience at that time was painless. The guys at the dealership did things for us that they probably don’t do for others, just because no one wanted to be my husband.
The first car buying experience was when gas went up to $1.50 per gallon in 1993. I had a mini van and was driving 150 miles round trip every day to work. My exhusband and I were separated. The mini van was necessary to transport a family of 6, but my family was now down to 3 so I didn’t need the van or the expense of putting gas in it every other day.
I worked in the division of a large regional bank that handled indirect auto loans. Do you remember when you went into a dealer and applied for a loan and the loan was made by an actual bank? I was in the division where that loan department was located. My manager, the SVP of that division, talked with the manager of the indirect lending department and instructed him to get me a deal. I was rather sheepish and scared about this process.
The manager sent me out to test drive cars and pick out what I wanted. I picked a 1993 Toyota Corolla. Stick shift, no bells and whistles, just the basic car. He approved my loan and I had a good deal. He sent me to the dealership to sign the papers and pick up my new car. There was a problem. The salesman’s boss would not allow the agreed upon amount for my minivan in trade in. This was a problem as the loan papers had to be redone and the payments recalculated. The salesman tried to explain to his manager that this had already been worked out with their primary lender – the bank where I worked – to no avail. I sat in the lobby of the dealership as the new papers were being drawn up with my higher payment with tears streaming down my face. I felt taken advantage of and cheated. I was mad and upset.
The higher payment was going to mess up my already tight budget. I had this worked out – then it got screwed up at the very end. I was not happy. I did not have new car excitement when I drove the car off the lot. I was embarrassed and mad because I was screwed.
Back at work I complained to my manager, who called the dealership and spoke to the general manager, who apologized for me being upset but stated that the person who originally gave me the trade in value on my van was not authorized to make that deal. Whatever. They screwed me and we all knew it and no one was going to do anything about it.
I felt a bit of snarky vindication when that dealership went out of business years later. They were all asshats and didn’t deserve to stay in business.
My next experience was n 1999. The Corolla was 6 years old and had 226,000 miles on it. It still ran like a top, but it was time for another car. I had moved up in my career and needed to show up at client’s locations in something a bit nicer than an old Corolla. With that many miles on it. I was starting to worry about long trips to see my daughter in college. It was just time.
I picked out the car that would be my next car 2 years before I decided it was time to buy. I knew what I wanted, I just had to go find it. I did it on my own. I did my research and was ready to do battle. I did not expect the experience to be good, I expected to get screwed and I was ready to fight.
I knew there would be no trade in on the Corolla. I might as well give the car away and pay them extra to take it. I had a down payment instead. I found the exact car I wanted and went to the dealership to fight. The experience was not as bad nor did I feel as screwed as I did before, but I can’t say I felt hunky dorey about the whole thing.
As the finance guy was punching the numbers in, trying to get me to add this and that so they could make more money, the payment amount kept changing even though I said no to most of his offers. He looked shocked by the ever changing numbers that were popping up on his screen. I looked at him with my meanest look and said “what the hell is going here? Are you trying to rip me off because I am a single woman?”
Oh no, oh no, he was not, his system must be messed up. I asked him if I needed to leave and come back when his system worked.
He pushed a few more buttons and the payment amount stopped changing. He printed out the documents for me to review. I had two items added to the car – a rear spoiler and remote lock/unlock. The asshat did not tell me that when the remote lock/unlock is not factory installed, it doesn’t work like you think it does. If you lock the door with the remote clicker and try to unlock with a key, it sets the alarm off. I used the remote locking system for a few years and then had it disabled. I was tired of hearing the alarm go off.
I felt I escaped that buying experience with most of my ass. I have enjoyed and loved that car for 10 years now.
It is still running, although it shakes a lot. It has over 200,000 miles on it. We plan to keep it as a commuter car for my husband. When it dies, my husband will resume driving our SUV.
I picked out my next car 3 years ago. Two years ago, when my car was 8 years old, I said I would buy a car. That’s as far as I got. Last January I said I would buy a car. We went to England instead and I did not buy a car.
This year, no – this SPRING – I am going to buy a car. I am serious. I am going to do it.
We have our choices narrowed down to 2. Last weekend we actually did drive by’s at lots to check out the cars. We got out and quickly fondled the exteriors of the cars and peeked in the windows. When we saw salespeople approaching, we jumped in our car and sped off. I have to do this one baby step at a time.
Monday I stopped by a dealership to see if they had a car that met my wish list. This time I was brave. I spoke to a salesman.He offered to let me test drive. I turned red. I was not ready to take that step. He did not have my dream car but said if I gave him the list of what I wanted, he find it and get it to his lot for test driving. He was friendly, not pushy, and talked more about football than cars. I gave him the list.
He called later that day and said he found several cars that met my wish list and to give him 3 days notice when we were ready to test drive. That gives me another week to get used to the idea of an actual test drive.
Why do I have this fear? There are people that trade and get new cars every two years. When I think about people who do that, I think they are stupid with their money. That is just my opinion and since I am not in Henry Paulsen’s position nor am I a famous and rich financial advisor, don’t be insulted if you are on of those people.
I know cars are not assets, they are liabilities. To me a car is not a status symbol or an object of love, it is a way to go. And I have to credit the Sweet Potato Queen author for that bit of wisdom. I don’t want to drive an 1986 Yugo around but I do not have to purchase a luxury car to feel important or successful. I will likely end up with a Nissan. A love object? Well…I need to LOVE the car to buy it. I want to LOVE it for a while because, damn, that’s a lot of money.
I’m going to buy a car this year. Actually, I swear, I am going to buy one in February. I am, really.