Two payments for Santander

After crunching some earnings numbers, I called Santander Consumer and scheduled two payments for my car later this month, which should bring the payments all the way up to date by July 28. This makes good on my promise to choose to keep my car and let my Internet and my apartment go where God would have it to go.

This is an important thing to do. Of all my creditors, Santander Consumer was the only one that rang my cell phone as opposed to my home phone, and they rang it prodigiously, roughly once every two hours. I kept my phone turned off most of the time. That had to have hurt when recruiters and employers tried to call me on my cell phone for interviews and was shunted to my voicemail. Now that Santander is for the moment sated, I can keep my cell phone turned on more.

While we are on that subject, I’m happy to report that interviews and offers for interview are going well. My resumé now reflects that I can be reached by email at a free Gmail address, ready to take over when my Internet goes down for nonpayment over the weekend.

Now that it’s fresh on my mind, I better upload that resumé to Google Docs, just to have a readily available spare copy.

Dale the salesman

Dale is a grizzled old geezer who lives just a stone’s throw from my own one-bedroom flat. He appears very desperate to sell me stuff. So far this afternoon, he’s offered me his computer printer, and a telephone shaped like a Harley Davidson motorcycle.

My God, where is he getting the idea that I’m the guy with all the cold hard cash? And why is he coming after me with more stuff to sell, as if I am holding out on him?

It’s not like I’m living like a sultan surrounded by shapely belly dancers. I’m trying to hang onto my money. I figure with what I have on hand, I should be able to pay Thursday’s rent even if my penultimate Census paycheck comes in at an anemic $300 and change.

I feel bad for him. I really do. He doesn’t make being freshly unemployed from the US Census Bureau very easy. And nor does Santander Consumer, who collected $250 just six days ago. They’re getting on my cell phone with a vengeance, trying to get my car payments back on track. They care not one whit for my rent.

I need to get to bed. I need to be up at 3:00 AM for an inventory count.

End of Census NRFU

The Non-Response Follow-Up phase of my work for the U.S. Census ended Tuesday. I performed well at it, and I fully expect to be called back in a week or two for verifying vacant and deleted addresses.

The paycheck I got Wednesday was good, and most importantly, PNC Bank did not find any tiny fraction of an excuse to take any of it. A surprise charge from Intelius People Look-up had me 98¢ overdrawn over last weekend, but I disputed that as an unauthorized charge, and PNC reversed that, and the overdraft fee that it caused.

I agreed to make a car payment to Santander Consumer for Wednesday, and I spent Wednesday chewing my fingernails almost up to the second knuckle. The confirmation email I got that morning had me thinking that the payment would go through before my pay was safely out of that digital limbo called a pending queue. Fortunately, the Santander payment didn’t show up until today.

Sadly, out of work is out of work. There was this career fair going on at the Aladdin Shrine Center yesterday, but I willfully missed that and did two loads of laundry instead. It would be wasted effort to go there with my clothes reeking to knock a buzzard off a gut wagon.

Ooo Shinee is fueled up and ready for the upcoming week of inventory work, and I believe I’m set up well for paying the rent next Wednesday. All is going to plan, and I did the best I possibly could, and got the best I could possibly hope for.

After that? Well, I don’t quite know. Kindly keep me in your prayers.

Small victories

I’m happy to say I’ve stopped the bleeding of money from my checking account from last month, and successfully bought my car out of the collision repair shop.

Successes! Minor victories! My God, how my sad sack life has desperately needed those!

I’m far from what most people would call normal, though. (What really is normal?) I narrowly escaped having my cable internet chopped for non-payment. And after all that noble, effective spending of funds, I am now sitting on a small cache of food money that I am guarding jealously.

And guess what happens. The chairman of Morphicon calls a staff meeting for 8:00 PM tonight. SonicBlu, Dark, and WolfDog will need to be ferried to the far side of town. I did not figure that into my budget for this week.

Just when you think you’re doing pretty good, you learn where you’re failing miserably.

Ooo Shinee is home

Yesterday, I successfully brought my Pontiac GrandAm home. And it’s looking good. And it felt good for all of three hours. The first thing I did before driving Ooo Shinee home was take the Census placard down out of the rear window. Methinks that placard may have turned my car into a target three weeks ago. I’m sure the folks who made it were thinking of my safety, but you might as well mount flashing lights and a siren on that car for all the good that placard did me. It made me look like a damned Federal government rat.

Having the car with me enabled me to visit all the houses I had left in my clipboard in just three hours. And I conducted enough interviews to cut that number in half.

It looks very much like I’m going to get that two-week furlough that the Census Department will give me before the final push to verify vacant addresses. This morning, I had realized that all I brought home yesterday was an excuse to berate myself for not searching for a new job. Seems I never ever give myself time to celebrate my achievements.

Things seem to be going to plan. Just barely. Keeping a close eye on my checking account—and simulating in a spreadsheet what is really happening to it—has thus far avoided the overdrafts that I saw this time last month.

And I was barely able to squeak out enough money to keep my cable services going. At least I think so. I’ll know a little better after midnight tonight.

Your prayers are doing something

I have some somewhat good news to report. Dan Vanoy of Tru2Form called. The region manager was visiting and he was having a talk about my inability to raise $500 deductible on the fly, and the region manager authorized him to cut the deductible to $250 if we can get it paid this coming weekend. Now I know I can come up with it by next Wednesday, but asking for it Saturday is a bit much. The automatic payments I wrote about last post already have the lion’s share of yesterday’s paycheck and there’s no way I can slow them down.

Don’t stop praying. Your prayers are doing something.

The Not-So-Vanishing Deductible

Dan Vanoy of Tru2Form Body Repair called yesterday, saying that the body work to Ooo Shinee has been finished. This is good news, and at the same time, not so good.

This completion of the body work is very poorly timed. The second week of each month is when the automatic payments for auto insurance, FDB Loans, and my debt managenent plan come out of my account. I have to carefully watch my account through this period (especially that all-important pending queue, which likes to rearrange payments from big to small) and make careful calculations of what I can do, taking into consideration the Evil Banking Formula. I have to know what’s coming out and when. And I have the automatic payments scheduled in Yahoo Calendar to tell me when to look for them.

I have talked to both Nationwide and Tru2Form about my difficulty in coming up with the deductible immediately, and asked them if they can reduce it. Both say that their hands are tied by contract law and other strict rules. No help there.

Also, no immediate help from Anapol Schwartz, which is still in the investigating stages of the class action lawsuit against PNC bank. Attorney Ken Grunfeld says that while I definitely look like the class of customers the firm wants to represent, there is no leverage he can apply against PNC right now.

We shall wait and see.