We went Krogering yesterday and I was wanting a snack of some sort, but cruising the cookie aisle I couldn’t find anything that looked all that appealing. What I wanted was something small and portable, that I could munch on late at night when all I need is a small snack. Since I’m usually in the car and most stores are closed, I need to bring it with me.
I lost my sweet tooth years ago and most of the snacks I like nowadays are on the salty and crunchy side. So Kroger was running a special on Lance snack crackers and I stopped to take a look. I didn’t realize that there are some many variations and different flavors of those little square orange crackers filled with cheese. Do you know which ones I’m talking about? They come in little rectangular cellophane packs of 6 crackers. I picked the ones called “Captain’s Wafers” which is regular crackers filled with peanut butter and honey. I bought 4 of them them on sale and tossed them in the car console so that next time I need something for a snack they’ll be handy.
My step daughter had borrowed one of my cars for the past week as hers was broken down for some unexplained mechanical problem. I don’t mind letting her borrow the car for short periods, but she makes it very difficult to keep my resolve to close down the “Daddy ATM.” Her mother and I decided at the first of the year that we must stop shelling out hundreds of dollars each month to “help out” as long as she continues to choose this path down the wrong road.
As I was cleaning out the car upon it’s return, I noticed a paper stuck between the seats and the console. It was a paper receipt for a payday loan. I was shocked and dismayed, but then again, since we told her in no uncertain terms that the cash handouts from our wallets are over, I suppose she thinks she has no choice but to use those types of cash advances to tide her over.
The problem with this is that she never seems to have enough money to pay the loan off and she ends up renewing the loan, putting herself farther behind. This is exactly the type of behavior that we are trying to discourage and she must be even more hard headed than I thought if she is not learning this important financial and independent lifestyle lesson.
Payday loans are a great tool for a one time emergency cash advance. It is supposed to be used for things like emergency car repairs and emergency medical expenses, with the key words being “emergency.”
Now I know I just said that her car was broken down, but I’m not sure I believe her. The car was in excellent condition when we bought it for her last year. I check it over once in a while to make sure the oil is changed and the fluids are OK, the tires are OK, etc. I hadn’t noticed anything going wrong so I have to wonder what the emergency repair was for and she has managed to not share that information with us. If it is true, I hope she is going to handle this payday loan as a responsible adult and pay it off with her very next paycheck.
An article on Yahoo News says that the adage of needing to change your car’s oil every 3,000 miles is no longer true. With modern advances in the types of oils and the new engines, most cars do fine with an oil change every 5,000 or 7,000 miles – some even at 10,000 miles. What a blessing that would be for my wallet.
It used to be that you could get an oil change for $19 at Firestone or one of the regular car and tire places. Then the price went up to $24 but you could sometimes score a $5 off coupon from the Sunday paper. Now it’s gone up to $33 and I haven’t seen a coupon in ages. So, like gasoline, the cost of oil changes has gone up quite a bit these past few months and to be honest, I think we’ll have to start pushing the envelope on the amount of miles in between. Instead of every 3,000 miles I’ll see if we can get by on every 5,000 for a while.