Thursday, April 11, 2013

Lesson Learned: Good things come to those who wait!

I'm a big believer in learning from past mistakes.

So.... with our IRS tax refund we received this year and our pennies we've tried to pinch, our plan is to replace our ailing minivan.

Let's just say... it's ready to see its end. I won't bore you by listing its issues, but suffice to say, they would cost much much more than the vehicle is worth.

Yet... our replacement fund stash is, well, not that big. So we'll be replacing the vehicle with an older model... which always makes me nervous because, well.... let's just say, we've made some mistakes in the past when purchasing older model cars.

The biggest mistake being that yours truly gets inpatient and just says, BUY A STUPID CAR AND BE DONE WITH IT ALREADY!

Case in point (and the experience I'm trying to learn from this time...)

In 2006... I was 6 months pregnant and was rear-ended on the interstate on my way to work by an 18-wheeler. Um. Yeah. My trunk was gone-- needless to say totaling my Toyota Camry that we'd had for 7 years. Thankfully baby-in-my-belly (Gabriella) and I were unhurt, only a little sore.

A few days later, my neck still recovering from some pretty yucky whiplash... I made Scott take me to the ER, thinking I was going to die because I couldn't breath.

Turns out, I had a massive case of gallstones. But because I was in my 3rd trimester, they wouldn't take out my gall bladder. Told me I had to use pain meds, limit my diet, and live with the pain until after she was born.

Needless to say, this was not a stellar week in the Phillips' house.

After I recovered enough to feel like I could do crazy things like breath and walk again... Scott and I went car shopping.

Usually this should have been enjoyable. But we were having a hard time finding a replacement in our price range that would work, and we had to get a car like immediately because I needed it to get to work and back and Scott needed a car at home, too.

So we went one day, knowing that we HAD to buy a car that day.

A storm was brewing....

Literally. Like, calling for tornadoes and all that fun stuff.

So, we were at the car dealership... a little windy but sky still mostly clear. We told the guy our price range and he showed us this car that looked great. It was in our price range, had mileage we needed, and didn't look like crap.

The salesman told us to go stay at the office and he would bring the car around.

LESSON ONE: Always start the car yourself. Don't let the sales guy "bring it around" for you. He's not being kind. I promise.

It took longer than we thought it should, but eventually the car got there. It drove fine, but a minute into the test drive, the sales guy suggested we head back because of the storm coming. He was sure to tell us that in their "meeting" in the morning, they'd warned that there was "no" safe place in the dealership, so we really needed to be on our way before it hit.

LESSON TWO: Car dealerships care about worker's comp claims too.

We got back. We were paying a portion (almost half) of the price in cash, and the rest of it with our debit card since we were using our settlement funds from the wreck. We handed the cash to the sales manager when requested, then were escorted to the "money" guy to sign all the paperwork.

LESSON THREE: DON'T PAY A DIME UNTIL YOU SIGN PAPERS!!!!!! (and never pay it to the sales guys. Seriously? Just plain stupid...)

As we drove away, Scott in his car and me in our new car... something happened. The car stalled as I pulled out of the parking lot. (looking back, I believe theyd had trouble starting the car... and knew they would, thus the reason for "pulling" it around for us)


But.... my phone was dead, so I couldn't call Scott. The wind was now howling and the sky had turned this pucky color of green and gray... NOT a good sign. And I was able to get the car restarted.

During the 30 to 40 minute drive home, our "new" to us car proceeded to stall at EVERY SINGLE STOP LIGHT.

Thankfully, we got home in one piece. But when we got home, we immediately called the dealership.

LESSON FOUR: CHECK THE RETURN POLICY before you buy

We were told that they had a policy of no returns. No matter what. That we could bring it back in if we wanted to and pay them to fix it.

Um. Yeah. No.

The next morning, not sure what to do, I went out to go to work.

Our new car wouldn't even start. We tried to jump the car. Nope. That wouldn't work either.

I drove Scott's car to work, fuming all the way. Another call to the dealership gave us NO help.

That day, we were having a corporate wide luncheon to discuss the status of the company. While I ate, I was relaying our horrific car buying experience with a coworker. Our CEO overheard and grilled me as to why we would buy a car without having a mechanic give it a look over first. Honestly? I'd been in the hospital and in a major car wreck. I just wanted a dad gum car that worked and got me to work. And now I had nothing.

To my embarrassment, our CEO used my story in his speech to the corporate office as an example of what NOT to do when giving quality customer service to our clients/coworkers. He then announced that he was so disgusted with our story that he was authorizing our legal department to champion my cause, whatever it took, to get justice from a car dealership that obviously took pleasure in taking advantage of people.

My face was the color of a nice, ripe tomato.... but I appreciated the gesture.

After discussing my wee little issue with our corporate attorney... he got on the phone and ended up talking to the dealership's corporate attorney (they were a national dealership.) and told them that they really needed to cut their losses because they had a pregnant woman who had the full power of a corporate legal department behind her...

I, um, got my money back. From a very mad dealership manager. Oh, and remember that cash I'd given to the sales guy?

Yeah, never turned in. They had turned in only the debit card transaction as a total amount paid for the car. Thankfully I had my copy of the bill-of-sale for the total amount so I got that money back too, even though the guy almost literally had smoke coming out of his ears.

So... money in hand, I still had no car. Instead of demanding God show us something immediately and taking matters into our own hands, we decided to wait a few days and pray about it.

A few days later, I was at work and talking to our risk management guy, who happened to mention that he was trying to sell his car. We talked about price and mileage and all that stuff. Scott and I looked at it and test drove it. It was, to say it mildly, PERFECT for us.

That was almost exactly 7 years ago. We bought it with 150,000 miles on it, and it is now over 250,000 miles and while it has it's issues, we've put almost no money in it besides maintenance and it still drives nice and smooth. It was probably the best $5k I've ever spent!

LESSON FIVE: Good things come to those who wait on God. 

Which brings me back to present. I've been looking online daily, praying that God would show us the right vehicle at the right timing that is at the right price and in the right condition. That He would give us wisdom and peace about the matter. So far, all I've heard is God's quiet voice in my heart each time I've looked that says, "Wait, Krista. Not yet. Don't rush me in this. I know best."

By an extreme miracle of God, our van is still running and hasn't given up the ghost yet. And oddly enough... I'm okay with being patient. Which is not normal. At all. I'd usually be freaking out right about now and taking matters into my own hands and buying the first thing we could afford that even close to meets our needs.

But I've learned my lesson. God redeemed our mistake last time, and I aim to prove that I can be patient and wait for what HE has for us this time.

Discussion: Have you ever rushed God and regretted it? Any stories about how you waited on God and were SO SO SO glad you did? Or you can always share your car-buying-horror story with us!!!

***NOTE***

I have NOTHING against car dealers or salesman. I know some and they are super nice. This particular dealership was, unbeknownst to me, known for their scamming and horrible business practices. The whole nationwide dealership has since gone out of business. Good riddance I say!

6 comments:

Dina said...

We are now a four car family. We were a three car family, and thought we really needed a fourth, but it wasn't God's timing. We didn't rush it. But then my daughter had a wreck in car #3. We were really up the creek. But we still waited. And guess what we got in the mail the next week. A note from a place my husband used to work saying they wanted to "get rid" of his old retirement account - wanted to roll it over to use, or whatever we wanted - so that they were no longer managing it. We had a vague idea that there was an account out there that someday we might get some money from when we were old, but never got a single statement, had no idea how much money was in it. Turns out there was $13,000 in the account! Enough to buy two very usable used cars and put back enough to pay the penalty for not rolling it into an IRA. (Maybe not the best idea financially to spend it, but we needed it, God provided it, and we figured we saved enough in interest by not having to make payments on two cars to be worth the penalty.) With one daughter in college two hours away, one who works an internship half a day in high school, and my husband and I on very different work schedules, it has been such a blessing to have 4 cars!

Anonymous said...

Oh gosh...same vehicle experience for us. We were looking for a truck. Instead of looking and waiting we jumped at a pretty red f250 diesel, which we payed cash for. Drove it 3 days before we had $3000 in repairing injectors or something like that. Then it died right in front of the school, had it towed and spent way to much on trying to figure out what was wrong. Finally sold it to some guy dirt cheap, who ultimately replaced the motor..Chalk one up to experience I guess.

Krista Phillips said...

4 cars... *drool* I'd be happy with 2 working ones!!! (granted, I'm sure that sentiment will change with my kids get driving age...HA!)

Krista Phillips said...

UGh!!! NO FUN! Yes, the things we suffer in the name of experience, huh!

Melissa Jagears said...

We'd moved and gotten a substantial raise to move and figured we could handle the cost of a nice apartment...nope. Cost of living on other things had risen in the new town, so we had to get back to something that cost about the same as where we came from..... but in the new city, I checked out every possibility in the one day I took off work. There were things like moldy floors and slugs and houses cracked all the way through and sitting right on the noisy interstate and I was about to cry, until I came to this last apartment complex. The interior was newly painted, dishwasher, nice carpet, nice exteriors, quiet dead end street and most importantly no slugs!

I asked the landlord lady if it was a nice neighborhood. "Oh yes, quiet, family friendly. And I only have two apartments left."

Told hubby that was our only choice. I usually make sound decisions, so I don't recall that he went and looked. Paid the penalty to get out of our lease and got the moving truck for the next weekend to avoid paying for two apartments and to make sure we didn't lose the new one.

We moved in a snow storm on Saturday. When we got there, it was like a party going on in the parking lot. We had filthy little kids scoping out our stuff, music blaring from several different cars with their doors wide open, lots of people staring at us (we happened now to be the second set of Caucasians in the apartment complex....which I'm not complaining, the other white family was the ones we ended up most afraid of!) but having a white family move into your neighborhood did bring a lot of people out to watch us!

And then after everything was in the house, if it could be possible, the noise got louder, the party outside got worse, there was a verbal fight outside and someone trying to get into our car....I called the landlord crying. "You told me this was a quiet place--this is a drunken party zone!!!! I've not even been here an hour, how can I get out of this???"

Interestingly, she was not as nice and sympathetic and helpful during the phone call like during the tour. Of course, she wouldn't let us out of the lease--we could very well have been the only ones she expected to pay since I know several of them were squatters...and not afraid to trash up a place and sit outside daring the landlord to kick them out!

We called it the Mexican circus because almost every night, the Hispanic part of the population would go out in their cars and open their doors and windows and blast traditional Hispanic music (but no one of course, played the same song at the same time!) so they'd turn it up to hear their own song choices....

We had several arrests, our taillights were smashed out a couple times, my hubby became the local handyman because this apartment was not high priority. I can't tell you how many times my hubby fixed kicked in doors or fixed smashed in locks for free because there were kids inside, etc. And of course, we like quiet, so we were always the ones out at 2 am shouting for them to turn it down so we could sleep and go to work!!! The Hispanics thankfully did turn it down . . . some and usually with a bit of respect, but if we were ever to ask the white family below us to turn down their movie blasting from surround sound at midnight, we'd hear them cuss us out for the next hour or more after they turned up their movie louder.

We slept with earplugs in for the rest of the time we were there.

I now know not to take a landlord's opinion for truth and to visit the neighborhood we want to live in on a Friday or Saturday night.

We woke up, randomly, years later swearing that we'd heard the "duh, duh, duh, dum dum duh, duh, duh" of the bass of traditional music outside coming back to haunt us.

Krista Phillips said...

Oh my goodness, this totally made me laugh!!! Yes, lesson definitely learned!