More than anything though, right now I feel cheated. I know life isn't "fair," but damnit... in my preliminary research for finding a decent used car, I've come to the inescapable conclusion that if I want something of quality that's not a new car, it will almost certainly be older and have more miles than the Neon. In addition, even after using every dollar from the insurance company, I'll still owe more on it than I did on the Neon before the accident Wednesday night.
Anger and deep sadness are mixing in with that cheated feeling to create a really foul mood. I've managed to stay on diet today, but could not for the life of me force myself to the gym.
However, I cannot really afford to delay on figuring out what I'm going to do, so here my options, and the pros and cons as I see them.
- Really crappy used car, costing $1,800 or less. Pros: No more car payments for the immediate future. Cons: Could be just 500 miles away from having the transmission fall off onto the highway during my commute, which would necessitate my having to propel the car ala Fred Flintstone.
- Decent used car, costing between $1,800 and $5,500. Pros: More certainty over car's condition, wouldn't feel like an refugee from Sanford and Son while driving it, payments would be done in a year and would be the same or less than the ones I was making on the Neon. Cons: See option #1.
- "Certified" used car, costing between $5,500 & $10,000. Pros: Most are in really nice condition and usually have some sort of limited waranty. Cons: Payments stretch longer than a year and/or higher than the ones made on the Neon.
- New car. Pros: Nothing to worry about for 5 years/50,000 miles. Cons: $,$,$,$,$,$. Not really an option -- just put it here to commemorate the fact that the Neon was a new car when I bought it, and that it was only four-years old and had just 47,000 miles on it.
There are other issues tied into this. One of things we were planning to do once the Neon was paid off was use the money for paying down other debts until Mrs. Moose's car was paid off. By then, we'd have eliminated enough debt to allow us to afford putting a second child in daycare. Either that or Tank would be starting kindergarten. Regardless, our plans to pay down our debt will most likely take a major hit.