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car blues what to do?

April 25th, 2007 at 09:37 pm

Good News: 5th day no credit card use.

Bad News: My car broke down today (on the free way, with two small children and no cell phone!) It is costing $650

Good News: We are all ok. We had to wait 1/2 hour on the freeway until CalTrans came and pushed us out of traffic.

Bad News: CalTrans pushed us to the only available open spot there was-a bus stop. I got a $250 ticket for parking at a bus stop. They don't care that it was an emergency and I had my car towed within the hour.

Good News: After some time, I was able to reach my mom who came and picked us up. I rented a car dropped my 18 month old at daycare and my four year old son and I went to his school field trip to the zoo, only two hours late.

Bad News: The other day I cut up every one of my credit cards. I always kept them around for such an occasion only to rack up non-emergency debt, so I said enough is enough.

Good News: I have no credit cards to charge non emergency debt

Bad News: I have no way to pay the $650 with no credit cards.

Good News: I get $2000 on the 1st.

Bad News: The car will probably be ready tomorrow and I've used up my EF fund

Good News: I have learned what an EF fund is really for

Bad News: Not sure what I should do to come up with the money in the meantime. I could possibly ask my grandmother for a loan, write a credit card check to myself or the car place, borrow my husband's credit card.....

Good News: reading any suggestions that moght help!

4 Responses to “car blues what to do?”

  1. catlinye_maker Says:

    Contact the district court (or traffic court) about the ticket and see if you would have to pay extra to take it to court. Tell the judge the circumstances; they may waive the ticket, especially since I assume CalTrans is a government agency? It means more trouble (attending court, paperwork) for you, but we've successfully contested tickets in the past.

  2. creditcardfree Says:

    Oh, I definitely relate at the moment. We had a car break down too. It just wouldn't start when my husband went to leave work. It needs $800 to repair. Meanwhile, the other car has a new squeal!! I wish you the best. I would try to borrow the money if you need the car before payday and let them know you will pay them on Tuesday. And then pay it back first thing Tuesday.

  3. homebody Says:

    Tell them (the car people) that you have the flu and can't pick the car up until Tuesday?? Otherwise have DH pick it up and use his credit card to pay for it. Isn't that what husbands are for?

  4. fairy74 Says:

    Yes, definitely challenge the ticket, they will probably drop it entirely or at least slice it in half. Does your mechanic offer a credit program where you could open an acount, pay on it right away when you get paid and then close the account?

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