As many of you know from my post last year that my car insurance raised 117%. I was officially depressed. I cried, had a breakdown, thought about medication. Thought about alternate employment offers (none that were Christian like if you get what I’m saying) to get the money to pay what I needed in order to be able to drive. I felt as though the world was closing in on me and I was in perpetual hell.
My car insurance was more than my car note. My co-workers were the first to console me and they were so sweet and encouraging. My friends cried with me and were like “Dang, that’s serious.” No one offered me money. Moolah. Cold hard cash.
So, I prayed. I limited activities. Didn’t go to Dubai with my girlfriends last December. Forget Dominican Republic for my 40th birthday celebration. What? I can’t afford Brazil in January for my 41st birthday. I have to pay my car insurance. I couldn’t continue to wallow in self-pity and feeling hopeless. I just tightened expenses and created a plan.
I prayed. I wanted to go to all those places, but it was now time that I grew up. Made adult decisions and created plans to get back on track. You know the same things that I did when I was in college. I worked 3 jobs my senior year in college and took 21 credits. I could do this. I just needed to work the plan. Get my goals aligned with my finances. Make better decisions.
Much like my decision to practice mindful eating, I had to watch my finances. Cut expenses where I could and decrease spending. Small steps. I cooked more. Ate out less. Entertained less. I saw two lights at the end of the tunnel…
I got a pre-approval to reduce my APR on my car by 50%. Talking to my financial savvy friends about my options which I saw as two:
- Pay off my current loan in less time keeping the same monthly note or
- Keep the same terms but lower the monthly payment
Both were good ideas said my friends. I felt the first surge of hope soar in my heart. All was not lost. Even though I’m leaning towards the first option, there was something new…hope. It was on the horizon.
Then I got this insurance renewal notice in the mail. I prayed before opening it. I knew that they were going to drop me. My friend borrowed my car in May and got into an accident. He hit a police car. “Jesus” was all I could say. I opened up the documents and saw this…
It was less expensive than my current rate. How much? It was $85.00 a month cheaper than my current rate. I could breathe. They didn’t drop me after all. They even reduced the rate. I wouldn’t be destitute and twerking in some dark and dank club for some change to pay the car insurance.
I was officially in praise mode and yelled, “Thank you Jesus” and did my praise dance all up and through my office.
Won’t HE do it? Thankful for every blessing!