Real Life Struggles/Support/Vent
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I really need to scream into the void right now.
I know this is a first world middle class problem. To preface, I’ve been living paycheck to paycheck for a very long time and i have panic attacks on public transportation. This vent is long and complicated … I apologize…
In 2021, just as we were starting to look for a new place, when covid restrictions were finally lifting, and our car threw a rod. So we were forced to use our moving funds to make a down payment on a cheap but newesh car. A mitsubishi mirage for 28000 plus interest. It would look shiny on our credit report and a new car was less likely to come with hidden costs. The payment wasn’t bad an we got a good loan from a credit union. We thought we’d be okay, because we didn’t know (like the rest of the us) that rent was about to increase drastically. It jumped 400+ dollars in our case which swiftly went to battle with the new car payment… and unfortunately the car itself. We’ve found - because it did not do well in the us - parts fior the mirage are expensive mostly because they have to be ordered from out of state. I.E. We lost 3 tires and the spare over the course of the year to various pitfalls in our states crappie roads. We literally had to buy the tires through the internet ourselves and have them shipped to the shop. Thats how rare parts fir our car are…
This has eaten our savings but we were confident we could scrape together enough to move to a studio somewhere, closer than my current 2 hour commute. This May we finally paid off the interest and began paying off the car itself…
So we’ve been juggling and preparing the best we can to move this year, it was going to be tight but manageable until Black Friday. My husband is a private contractor to deliver food with uber and one hour into his Black Friday run he was rear ended by a truck. Everyone was fine, the guy admitted fault right away and other than some confusion about our incident - changing 4 hands within his insurance company -everything was going smoothly. The car was drivable despite the back end being a crumpled mess. It was drivable except on days that weather prevented him from working which were a lot this winter.
It took over a month but finally we got our car into the collision shop. They declared it a total loss… Because it’s been driven so much the value of the 2020 mirage was set at 13000. Which is what they will pay directly to the loan from the credit union. Which leaves us with about 15k to pay off … I’m sure that we can refinance but the real issue… We don’t have 2,000 to put down on another car, and in the very least I still have to drive 80+ miles daily in rush hour conditions.
It’s declared totalled so our options are to sell it to the insurance company for 13k (directly into the car loan) or keep it minus the estimated salvage that the insurance company would have gotten (which comes to 11k straight into the car loan). This means we could drive and keep the car but with a lot of costs… paying for a salvage title, new plates, new registration, the taxes on the total value of the car, and whatever repairs our insurance company deems applies to our car being insurable which is more money out of pocket. This car is our lifeline, its how I get to my job with a massive commute and fear of being in crowds & my husband whos a driver doing his preferred job at all. He’s now looking for somewhere closer to home to work. I can’t work from home indefinitely… Our last resort seems to be taking out a predatory loan because we’ve already got the car loan open… which means no savings for the move in April… So… FML.
TLDR: How the hell is this insurance considered ‘full coverage’ … seriously … insert frustrated Beeker noises here
/venting and railing against an unfair insurance and home rental system
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@Sillylily Aw, man. I don’t even know what to say or what advice to give but that this hard and frustrating and heartbreaking and I am so, so, so, so, so sorry.
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@Sillylily I don’t know much about this situation at all. But I’d suggest seeing if you can find some free legal advice. I have full confidence in insurance companies screwing people over whenever they can so don’t take their word for it.
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@Sillylily Did you get gap insurance? That will cover the gap between what the car is worth and what you owe on the loan. That being said, I am not a lawyer but you can push back on the insurance company and not accept their first valuation. It will likely never be enough to cover what you owe, though
I would not recommend getting an attorney involved as it just eats away at whatever you get for the car.
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@Whisky said in Real Life Struggles/Support/Vent:
2023 - Year of the office return where nothing in the office has changed since 2019.
Let alone since 2008 with the decor, layout or even the coffee machine.
Following up on this one.
Boss: Would be great if we can get all hands on deck next week to clear out X and Y. Best to come to the office next week. We have an important meeting on Wednesday to prep for.
Me: Sure, anything you want boss.
Boss on Monday, in the Office: So, I am feeling really ill and am doing COVID-19 tests just in case. We’ll see if I am unwell.
Me:
Gotta love the mandatory get infected at work mindset.
omg now people in the office are playing music without headphones.
Current Projects:
Twitch -> https://www.twitch.tv/dukewhisky
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The company we support Diversity, we stand for it now get to work on MLK Jr DAY.
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@Whisky So we had a massive infrastructure failure last month.
A bunch of people got called into the office in an “all-hands” situation for some in-person work but the vast majority of people who did didn’t need to.
Also our dumbfuck Director showed up even though he did nothing hands on and can’t.
Two days later the guy is hospitalized with covid and a bunch of people who went in started getting sick.
Of course this director is the same guy who sunk thousands into NFTs, so we’re dealing with a real brain genius here.
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@BloodAngel I gotta work too, though at least my company doesn’t really claim to have any values.
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@Snackness We had a meeting about how they love diversity, and to get people to sign up for the council.
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So this isn’t a vent well it sort of is but it’s like 90% good and 10% sad.
Last week I started tracking food and being more accountable to myself about my food choices. It went fine. I felt fine. No headaches that sometimes come with it. I went out to dinner with a friend. I just accounted for it and ate super super clean the day before and day after.
I do my weight check-in on Monday with myself and I lost 2.3 pounds. Not drinking enough water or added exercise yet. I really just started meal prepping my lunches, etc.
So my 90% is that I’m super proud of me. Small victory, but a victory. My 10%? I can’t share this with anyone in my life. They would just say it’s water weight or that it’s just two pounds in a first week and come back after it’s 10 pounds or more.
I’m keeping this to myself because I don’t want the people around me to defeat me, but sometimes it also sucks, you know?
Anyways – thank you for reading!
Remember to be kind we are all on our own journeys in life.
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Congratulations!! Way to go! Sticking to it is hard, hard, hard, for any length of time. You have done that, and you have a tangible gain. I definitely think you deserve to be proud of yourself.
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Holy shit some people just have consistently the worst takes ever and when you compile all their various takes you get this really clear picture of exactly what kind of person they are.
But also, you know that nothing you say or do will convince them they’re in the wrong, there’s no point in debating them. There’s no point in being snarky because they’ll just use that to ‘prove their point’. All you can do is bite your tongue, swallow the abundance of venom rising in your throat and pray that they are not representative of humanity, right?
…right???
Can someone please post some cute cat pictures in the pets thread I really need them right now.
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Day 2 of “all must be in” week. Working from home, unsurprisingly woke up with a sore throat.
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Today’s reminder that you’re living in a capitalist hellscape with no real end in sight:
Today I had to lower my percentage of my paycheck goes into my 401k and my stock buy-in plan at my company because the larger paycheck will help us afford a new place to live that doesn’t have rotting windows. And the lease I almost signed last night before nopping the fuck out was a pet condition that if "you pet has to be removed from the premises for any reason(such has behavior, danger to the apartment, or even death), the monthy pet fee will not change.
So what you’re saying is that, if one of my cats fucking dies, I still have to pay the month cost of his fee as if he was still still alive? How are you not aware of how absolutely fucked up that is?
Oh. Right. Because we’re living in a capitalistic hellscape.
I don't know what I'm doing. Poke at Seven Nations sevennations.aresmush.com port 2021
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WOW, I’m glad you noped out of that shit.
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today was hard, but I made it through.
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@Testament said in Real Life Struggles/Support/Vent:
So what you’re saying is that, if one of my cats fucking dies, I still have to pay the month cost of his fee as if he was still still alive? How are you not aware of how absolutely fucked up that is?
Wow, holy shit. That’s beyond fucked.
If (and only if) you feel like you have the space for it on your mental load, drop them a scathing online review in Google et al, citing this policy so prospective renters (who might not read as thoroughly) don’t fall afoul of it.
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fuck cancer
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I started to write this in response to the AoA conversation but once it took form, that was the wrong space for it. And it was a bit longer and more specific to something that’s actively going on right now, but I deleted most of that because it made me sad. And honestly, I still haven’t unpacked half of what I’m feeling about it. I seriously might just not.
Right now, I specifically teach young adults with significant learning accommodations. It’s not all altruistic, I’m in grad school so it’s basically an indentured servant situation. They’re undergrads, late teens-early 20s. I just call them kids because you’re still a kid at that age no matter how many PhD-having 22-year-olds or 23-year-old military-hero Dukes there are on mu’s.
The times I feel like I need a drink are less from the behavior of my kids and more from… when the rest of the world decides to throw another fucking wrench into the mix. Usually at them.
