Monday, November 19, 2012

Will Our Luck Ever Change????

So Thursday morning I'm asleep in bed and hubby had left for work.  The kids were both sleeping and I heard my phone starting to vibrate.  I'm like great what happened now? 

2 weeks ago hubby got pulled over and got a ticket for littering...he threw a lit cigarette out his window and a state trooper pulled him over...the ticket was $297.60.  He was very angry and called me like 26 times that morning as I slept through his calls.  So needless to say, last Thursday he stayed home with a headache, more like a migraine.  Then this past Thursday morning at 6:30am I awoke and the first thing I said to hubby was "This better be good." as exhausted as I was.  He informed me that he was stuck on the side of the of the road and that his car, mind you our only vehicle, stalled and won't restart.  I told him to hang tight and I'd figure out what to do...

My first call was to my dad, a former mechanic who still works on our cars as needed (he has either my hubby or my sister's hubby do most of the work with his guidance), he was on his way to work and told me to get it towed.  So next I called our car insurance carrier since we have roadside assistance. and got connected with a very nice lady who arranged the whole  service.  She arranged to have the car picked up and towed to any place of my choice.  Well I didn't want to send it to a garage and have my hubby stuck at a garage since I don't have a car.  So I asked to have it towed home, the lady informed me that my policy only covers the first 15 miles anything else outside of that I am responsible for.  I agreed and requested that my hubby and the car be towed to my parent's house so that my dad could try to fix it rather than take it to a garage and have to pay an outrageous amount of money for it to be looked at and fixed.  We don't have the money nor the time available to do that because we only have one car.  So my brother-in-law looked at it with my hubby on Thursday and the decision wasn't good...they both thought the timing belt broke. 

Thursday afternoon my in-laws were leaving for the weekend to go to Maine.  I told hubby to call his parents and find out if we needed a new car if his dad would co-borrow for a loan.  His dad agreed and I tried to have him get the process started before they left since Friday hubby needed a car to go to work.  Well my father-in-law told hubby he could borrow his truck since they were taking their other vehicle to Maine.  I thought great a gas guzzler for the weekend, but his dad filled the tank and dropped it off on Thursday afternoon before they left.  So Friday morning hubby took the truck, as I call it the behemoth, to work.

Friday night, my dad confirmed what we thought was wrong...the timing belt in the engine I like to say kaput.  My dad said that 3 out of the four cylinders in the engine failed the compression test, so now it's going to cost an estimated $500 or so dollars to fix it.  I don't have that much money lying around so I said let's get a new car we have no choice.  My husband didn't believe me, but talked to his dad since we needed a car.  His dad said to go car shopping and on Monday after he gets out of work, he'd stop at the dealership and sign the papers if we found a car that we could afford.

Saturday morning we dropped the kids off at my parent's house so we could go look for cars without having to worry about feeding the kids and naps for them.  I was worried about leaving Precious Butterfly, it was my first time leaving her since she was born, but I did it and it actually wasn't that bad...anyways, we went to see a friend of mine's husband at the dealership he worked at and we looked at the cars.  The first was a 2010 Honda was nice, bigger than the Accent we have.  The gas mileage was ok, the car seats would fit no problem...but Friday night hubby saw a 2011 Honda Insight and asked about that one too.  So we test drove the Civic and then we looked at the Insight.  I love the Insight due to the gas mileage...fitting 4 adults in the car, that wouldn't work, but the 2 car seats fit fine.  So we both decided that we loved the Insight and that it was the best bang for our money.  Now rolling over the current loan on the Accent, that wasn't really an option.  We decided to just finance the Insight because if we couldn't afford both payments, at least my father-in-law's credit wouldn't be hurt and due to my father-in-law's excellent credit, they let us take the car home Saturday afternoon, with the dealer plates on it until all the papers are signed on Monday (today) afternoon.  Hubby left after he signed all of his paperwork to go and pick up the kids from my mom (I'm not allowed nor do I want to drive my father-in-law's truck)...they needed naps and wanted to go home.  I stayed to get the car.  I was a nice smooth ride home and I can say that I absolutely love it. 

Today hubby is getting out of work early and going to meet his dad at the dealership to sign the papers and make the car officially ours.  We might go too since we, the kids and I, are always stuck in the house.  Hubby and I will decide once he gets out of work if we're going or not.  I have a few errands I need to run so I need to go out anyways. 

I can say that if it weren't for my in-laws, me and hubby would be, well actually I have no idea where we'd be right hubby has said "if it weren't for the bad luck, we'd have no luck at all."  I tend to agree with him, we just can't get out of this bad luck rut.  I hope to be able to before Christmas so that we can buy the kids some presents.  Fingers crossed that everything will be ok for us. 

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