Good News? (my first rant) ka-ching

@Modestah (11192)
United States
May 22, 2008 4:19pm CST
oh my, what a blow to my gut just now. Our son got his driver's license yesterday... exciting, eh? I called the insurance company to have him added. With the 20% honor roll student discount our insurance has increased from $82 a month to $220 a month! He should have just not bothered to get licensed till he turned 25. This is outragious to me and yet the rep said it was a very good price, that if he was on his own getting the insurance it would be triple. how can anyone afford to drive? what with gas prices... ours just jumped another 20cents in 2 days, by the way... vehicle upkeep and INSURANCE! maybe we should have moved to New Hampshire where insurance is optional. We are heading out next week for a 1200 mile trip to visit my mother - the car was in the shop yesterday and cost me $300 - registration is due and that will be $35-$70 we had repairs a month or so ago for $1200 and it was only a few months before that that a rat go into the engine compartment and chewed at the computer costing us $700 We live in a very depressed area where most workers receive minimum wage - we are also secluded with the closest regular sized city is 104 miles drive each way. When I am down at my mother's I will have some tooth work done that I have no idea what idea will cost me - but it is a lot less expensive down there. I just bought a washing machine that set us back nearly $1000 - but I guess in the long run it is less expensive than taking the gas and the cost of using the machines at the laundromat - I have to pick the washer up at the store (100 miles round trip) with the van. We have not gotten the stimulus check like expected on the 16th - no answers from the IRS, I just pray that it does show up (soon) It used to be we felt "nickel and dimed to death" but now it is 100's and 1000ndth's "to death"You ever feel like saying "stop the world I wanna get off!"This was my first rant on mylot, something I thought that I would never do. I just feel terribly overwhelmed by it all - and I know that it is difficult for everyone, and I reckon I am being very selfish to burden others with my petty complaints... but but but can I just cry for a moment before I catch my breath?
4 people like this
10 responses
@syeryn (574)
• United States
23 May 08
Hey go ahead and vent! I've had four teenager drivers so I completely understand where you are coming from. I would look into your insurance though. It sounds too high to me. I pay about half that for mine and have 3 cars and 3 drivers on the policy with one drivers being under 25. Two of the vehicles have full coverage, the other one is just the basic minimum.
@Modestah (11192)
• United States
23 May 08
thank you for the advice... we also have 3 vehicles insured. - only one has full coverage the other 2 are just liability - which company do you go with?
@syeryn (574)
• United States
23 May 08
I have been with Nationwide for about 10 years now and have found them to be a very affordable insurance company.
@bdugas (3581)
• United States
23 May 08
Yes I know how you feel,putting kids on car insurance is very expensive, I could not afford to do it back in the80's let alone now. It is very high risk with them on the policy, first of all they have very little driving experience and don't know what they would do in a tight squeeze, when they have to think fast. some kids get in the car and they become king of the road, taking over the high way, as fast as they can go, if they have a wreck, run a stop sign, or whatever and cause someone to be injured it will cost you everything you have worked for in your life. I just had to tell mine when you get a job and can afford the insurance then you can drive. I know all parents want their kids to have the best and do what they didn't get to, you did not say how old your son is, here they are changing the law that kids can't get a regular license until they are 18 and I love it, we have so far this year seen several kids die from traffic accidents that they themselves caused showing off to friends in the car. These were A students and top of the line football or sports players in school, but they was 16 or 17 and just did not have the ability to handle the car, so you are putting every thing you have worked for all your life on the line when you let him get a drivers license. Yes things are expensive but why in god's name would any one pay $1000. for a washer? I have not bought one lately, but do know there are cheaper ones than that out there,it is life now adays if you want to do the things that you state in your post, try living like we do on a fixed income, of $700. a month, and that is an amount reduced from $3000. a month that my hubby was making when he got hurt on the job, if my washer goes out I can't just run out and buy one, I have to go to the internet and see if I can find one on FREECYCLE, that people have gotten new ones and just want some one to take the old one. So we don't take trips because of gas prices, in fact I am always canceling doctor appointment, because not having the gas, So there are people in the world a lot worse off than you, and god yes I know when it rains it pours.but it's all part of life and yes I wish I could just check out till things are better but it don't work that way so we do what we have to do and rant on here if that is the only place we have to do it and go on in life. just that we have to cut back on some of life to get through it now a days
1 person likes this
@Modestah (11192)
• United States
23 May 08
You know, you are right.... I should have paid 3.29 for a plunger instead - that way I could wash the clothing in the bathtub using the plunger and some elbow grease to agitate them. actually, it is a front loader which will save on water and energy costs. the payments are no interest for a year and less per month than the cost of coin op machines and the gas too and fro. On sale it came to just over $800 and I had a $100 gift card for that store that needed to be used. (the gift card was "purchased" with my mypoints earnings)
1 person likes this
@kenzie45230 (3560)
• United States
22 May 08
That's okay. Venting is allowed here. (It helps if we vent here and keep it away from our families,right?) I guess I can be glad that my son never wanted to learn to drive. He's 24 now (25 in March) and finally showing interest. Now I'm trying to talk him into waiting until he hits the 25 mark.
1 person likes this
@jillhill (37383)
• United States
22 May 08
Hey!!! We're your friends and that's what friends are for...to share with even our troubles and we'll all be here for you!! I know how it feels....I have had times when everything just keeps going wrong. Now.....take a deep breath....slowly let it out.....and get a box and put all you troubles in it for five minutes....then focus on going to see your mom and having the best vacation ever! And don't forget.....we are your friends and that's what we are here for.....to love and support you!
1 person likes this
@MsTickle (24994)
• Australia
29 May 08
I don't see it as a rant my friend. I see someone overwhelmed and clutching at straws. It's all just piling up and life is getting harder and harder. Everything is starting to catch up with us world wide now. With my budget, I have about 38 dollars to spend on food a week. It usually costs me about $100 every 10 days. It's costing me more for fuel and I've lost my little job. It's only a matter of time when I will be in strife and because I took out a mortgage to do some house repairs, I could end up losing my house down the track. Luckily I budgeted a higher amount in repayments but we have had 7 interest rate hikes since I took out the loan just over a year ago. I just hope your son has a job and is contributing towards the cost of running the vehicle ...specifically the hike in the insurance rate. I think that's a fair call.
@mummymo (23707)
23 May 08
You aren't being selfish sweety - yes there are others with similar problems but that doesn't make it any easier to deal with now does it?We all need to get things of of our chest sometimes and if you can't do it here with your friends on mylot then it is a sad day! I understand only too well how overwhelming things are financially for you just now as we are in a very similar situation as are others here - that doesn't mean we don't want to know it just means we can empathise and support you more! I do hope your rant helped , I know i have had to rant here just so that I could breathe without exploding! Hugs to you xxx
@lingli_78 (12844)
• Australia
23 May 08
woww... that is really outrageous... i never know that the insurance premium will increase so much when you add a person under 25 to drive the car... it is so expensive just to be able to drive... i know what you mean and i can feel your frustuation... i myself am also struggling with my hubby to make ends meet... we struggle but we are happy... the price of everything are so ridiculous nowadays... the increase does not correspond with the increase in our salary... i hope you will manage to survive through these difficult times... take care and have a nice day...
@ladyljs (1303)
• United States
23 May 08
Magic money - Making money appear out of thin air
Oh dear, I wish that I could just jump right into your computer and give you a great big hug!You sound so overwhelmed! Things can't do anything but get better from here on...so just hold on tight! THe ride is bumpy, but you will finally be able to get off soon!Gas hit 4.19 a gallon for 87 octane here today. It cost me close to $74 to fill my buick! I am seriously considering horse and buggy...LOL!That stimulus check won't even touch what everyone is going through right now! It needed to be 10 times that amount!
@maddysmommy (16233)
• United States
23 May 08
You vent all you like Modestah. That is why we are also here, to support our friends even if it's just sitting and listening and letting you get it off your chest. Things are sure getting worse and more expensive. Prices are going up everywhere for everything and it's getting depressing. Makes me want to move back to NZ at times when I hear the cost of things rising. We are here for you HUGS!
• United States
22 May 08
Modestah, of course you are upset, and with very good reason. We are here to support each other as much as to share other ideas. It's good that you have a place to write down your emotions and let other people support you. It is a frustrating time to be an American right now. I am afraid its only going to get worse before it gets better. As far as the insurance, my boys had to have small part time jobs to cover the extra costs of adding them to our insurance. Otherwise they did not drive.