The Chit Chat Chit Chat Thread

ajrwdwgirl

Premium Member
Hey everyone, I know it's been a long time, although I swear I thought I had posted earlier this year, but apparently it's been since November?!?! And I can't remember if I actually posted an update like I said I would, so hopefully I'm not repeating myself. The bad news is I AM STILL NOT DIVORCED!!! The good news is since August 2017 I have had 50/50 custody of our daughter and an alternating week schedule, so I now get free time every other weekend (only took 2 years and 2 months :rolleyes:). We were just in court the last week of May to clarify our custody stipulation and the judge basically told my ex that when it's my custody time, he can't dictate who takes care of our daughter, and the judge would not penalize a working parent for utilizing child care. Not that I use child care, but my mom helps out a couple afternoons during my custodial weeks, which my ex tried to tell the judge should not be happening. He even told the judge that he believes that only him and myself should be the ones to care for her! The judge was like, um no, that is not how she's going to rule. Him and his inept lawyer kept trying to argue over and over, but the judge stood firm in her decision. And while it was a huge relief to hear the judge say everything I hoped she would say, I knew that it would not change my ex's negative behavior toward me. We are supposed to see a co-parenting counselor, but my ex thinks the judge ordered classes, which are useless. We need someone who will hold him accountable for acting like a jerk. So we may need to go back to court if my ex doesn't agree to counseling. Although we aren't even sure if he plans to represent himself now, which just further demonstrates his craziness. The only thing left to settle is spousal/child support, which should be easy, but as I've already witnessed, nothing about this divorce has been easy. My lawyer and I think the reason why my ex is dragging out the divorce now is because he needs surgery to replace both his knees and a hip (since he is still on my insurance). :facepalm: But my ex has other beliefs, which he posted online, although I was able to have his Yelp and Avvo reviews removed, woohoo! However, Google is still up, and y'all can see some of the craziness I have been dealing with for over 3 years now (and longer, if you include our marriage): https://goo.gl/maps/uZabKECbQEn. Anyway, I just wanted to let you guys know I'm doing OK and I hope you all are doing well, too. Oh, and I'm also still seeing the same guy, it's been over 2 years and going really well. :cat:

Welcome back! Sorry to hear that the sage with Mr. Donkey is still continuing. I hope it ends soon for you!
 

21stamps

Well-Known Member
Well, yeah, except she already had a Buick, so they're trading in a Buick for a Buick.

What he's getting is the oldest car in the house.:hilarious:

The financing portion is still making me nervous. I filled out the application., and the dealer will call me tomorrow.

If all else fails, I can buy the car outright, but I really don't want to do that...

Regarding your spoiler— NOOOOO!!!
That’s the worst thing you can do. Use it to build your credit. Sounds like the car is your first installment loan, put down 20% and finance the rest.. you’ll get an approval even as a first time buyer.. then your credit score will consistently move up.. plus, you’ll have the loan to show content, this counts for much more than revolving credit card credit does..

Doing so will help greatly when you decide to buy your first home.. or condo, whatever. It will make it much easier to get a mortgage and a decent interest rate.
 

StarWarsGirl

Well-Known Member
In the Parks
No
Regarding your spoiler— NOOOOO!!!
That’s the worst thing you can do. Use it to build your credit. Sounds like the car is your first installment loan, put down 20% and finance the rest.. you’ll get an approval even as a first time buyer.. then your credit score will consistently move up.. plus, you’ll have the loan to show content, this counts for much more than revolving credit card credit does..

Doing so will help greatly when you decide to buy your first home.. or condo, whatever. It will make it much easier to get a mortgage and a decent interest rate.
I definitely don't want to, especially if I can get the .9% they're offering for 36 months. That makes way more sense. So hopefully it works out. I talk with the guy tomorrow. My scores are all in the 700s (I checked all of the reports) and he says that's usually enough to get approval. Let's hope...
 

21stamps

Well-Known Member
I definitely don't want to, especially if I can get the .9% they're offering for 36 months. That makes way more sense. So hopefully it works out. I talk with the guy tomorrow. My scores are all in the 700s (I checked all of the reports) and he says that's usually enough to get approval. Let's hope...

The only thing that would prohibit you from that rate would be if it’s your first installment loan. However, with your debt to income most likely being low right now.. and if you’re putting any money down.. combined with the price point of a Civic- I think you’ll still get approved for it. :) don’t worry!

If for some reason Honda does not approve the 0.9%, you should still finance the car.. If Honda’s rates are too high, then have the dealer look at different banks or credit unions who may have better rates than what Honda offers you. Whatever you do just don’t pay cash as it will just put you in the same position next time.. or when you go to make a larger installment purchase. You can just pay extra on the car and pay it off in a year or two. I don’t think you’ll be faced with those decisions though.
 
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BuddyThomas

Well-Known Member
Thank you! I'm hanging as best I can, and hopefully at least closer to finalizing.

I have 3 cats, my ex took the 2 dogs, although one died last year. :( I'm glad to hear yours is doing well, though! I know you always have funny stories about him. :joyfull:
I just came back too after a few months hiatus. Great to talk to you earlier today on the book that is Face. :) Love you, and let's all stay in touch! :)
 

Figgy1

Well-Known Member
So...the dealer accepted my offer!!!

Now onto the financing portion. Fun fun...

In other news, it looks like my mom is also getting a new car. She's getting a Buick Enclave. She took hers in, and it's got over $3,000 worth of repairs. They're looking at trading it in and getting one of the leftover 2017 models.

My mom has it right now in our garage.

It's been a big week for us in the car world.
Good luck to both of you.
 

Figgy1

Well-Known Member
Hey everyone, I know it's been a long time, although I swear I thought I had posted earlier this year, but apparently it's been since November?!?! And I can't remember if I actually posted an update like I said I would, so hopefully I'm not repeating myself. The bad news is I AM STILL NOT DIVORCED!!! The good news is since August 2017 I have had 50/50 custody of our daughter and an alternating week schedule, so I now get free time every other weekend (only took 2 years and 2 months :rolleyes:). We were just in court the last week of May to clarify our custody stipulation and the judge basically told my ex that when it's my custody time, he can't dictate who takes care of our daughter, and the judge would not penalize a working parent for utilizing child care. Not that I use child care, but my mom helps out a couple afternoons during my custodial weeks, which my ex tried to tell the judge should not be happening. He even told the judge that he believes that only him and myself should be the ones to care for her! The judge was like, um no, that is not how she's going to rule. Him and his inept lawyer kept trying to argue over and over, but the judge stood firm in her decision. And while it was a huge relief to hear the judge say everything I hoped she would say, I knew that it would not change my ex's negative behavior toward me. We are supposed to see a co-parenting counselor, but my ex thinks the judge ordered classes, which are useless. We need someone who will hold him accountable for acting like a jerk. So we may need to go back to court if my ex doesn't agree to counseling. Although we aren't even sure if he plans to represent himself now, which just further demonstrates his craziness. The only thing left to settle is spousal/child support, which should be easy, but as I've already witnessed, nothing about this divorce has been easy. My lawyer and I think the reason why my ex is dragging out the divorce now is because he needs surgery to replace both his knees and a hip (since he is still on my insurance). :facepalm: But my ex has other beliefs, which he posted online, although I was able to have his Yelp and Avvo reviews removed, woohoo! However, Google is still up, and y'all can see some of the craziness I have been dealing with for over 3 years now (and longer, if you include our marriage): https://goo.gl/maps/uZabKECbQEn. Anyway, I just wanted to let you guys know I'm doing OK and I hope you all are doing well, too. Oh, and I'm also still seeing the same guy, it's been over 2 years and going really well. :cat:
1528802048527.png I'm so happy things for the most part are going your way and as for Mr Donkey I still have that list of walking tours if you want them;)
 

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