A Change In My Personal Direction

On the heels of yesterday's whinging post, I came home to a message on my answering machine.  It was from the car dealership that I bought my new to me car from last year.  As a just fresh post BK person, my new car is financed at a whopping 14.99% rate.  Ouch! But I desperately needed a new auto and I made the plunge into the world of the consumer loan by applying for and getting that car loan just 3 months post discharge.

The dealership reminded me that it has been one year since I purchased that auto. It was one of those courtsey thank you for your business even  after12 months later calls. Normally, I would have deleted it 1/3rd of the way through the message. I listened to the whole message.  It also made me sit up a bit.  For all my complaining about my lack of goal focus, I have to realize that one goal I had last year was to qualify for some sort of a credit card or consumer loan.  I got both.  I have a car loan and I have a credit card (the credit card with a whopping $500 limit, but that's OK!) I also went in to the car dealership well prepared with a budget, discharge papers, pay stubs, etc.  I did a little sweat equity and got my loan.

Soo maybe it's time I really stop with the pity party and self doubt and give myself a little credit for getting back on the bandwagon and attack my new action plan with the purpose of anticipated success instead of anticipating roadblocks.  Novel concept-eh?  Now to also take the next step and see if my credit union will do a refinance on the car loan, at least I can try to get a lower interest rate.