Debt Free!

Jan. 7th, 2011 08:08 pm
maxcelcat: (Dalek)
Through a lucky set of circumstances, I am debt-free for the first time in, well, a long time.

There was a period in November of 2008 when I owned no money to anyone. One morning, I paid the last few bucks off a loan I had (acquired, as I recall, as part of a break-up from a certain fiancée) and my credit card (or cards, I can't remember) all had a zero balance.

And then, just as I was celebrating paying off all my debts, my car died of old age. And I ended up borrowing a whack of money from my mother to get a new(er) one. The afternoon of the day I paid off all my debts, I popped into a Subaru dealership and bought a car!

I also ran up a considerable amount of debt on a number of credit cards during my trip around the world in 2009 - which I basically paid for on three cards, plus the minuscule amount of money I had actually saved. Going overseas for two months isn't cheap, I can tell you. When I got back I rolled it all into one personal loan. My bank told me that they'd actually pre-approved me for a loan of $35,000 if I'd just sign here - credit crunch? What credit crunch? I said thanks but no thanks, I didn't need that much cash!!!

So end the end I owed a fair bit of money, some of it a soft loan from my mother, but a lot of it a real loan from a real bank. It wasn't a lot - less than half of what I earn in a year - but it still was something of a pain to be paying off. And still probably more than [livejournal.com profile] jedi_amara made in the last couple of years ;-)

Then, much to my surprise, I recently inherited a fairly nice sum. My grandmother's estate was finally settled - she died at 97 early in 2009. The surprise part came because my dad forgot to tell me I was inheriting anything other than a great antique clock. So when he handed me the first of two cheques, I was pleasantly surprised!

So, for the first time except for about four hours in 2008, I owe no money! The first time, technically, since I started acquiring a HECS debt in 1992 - although didn't become "real" till I got a full time job in 1999 and had to start paying it back. Paid that all off finally in 2006.

All my accounts are now in positive territory, and maybe I can saving properly for... something! Money is always good to have :-)

And I plan to visit my grandmothers grave soon with some flowers. Roses probably, she liked roses.
maxcelcat: (Bike)
One last shot of the back end of Fuji the Car:

I parked him outside my block of flats, on his last drive, which lasted all of five minutes. I left him outside so a dude with a tow truck could get him easily. When I got back later he was gone, towed to his final resting place.

Is it normal to be this sentimental about a car? I mean, he served me well for eight years, but it is just a car. Ah well.

Note the lack of number plates. Took them back to Vicroads a couple of weeks back, and got a refund on my rego, which was nice.

Ah well. It was about this time of year in 1999 that I was shopping for, and buying, Fuji the car. And he would be 20 years old in February of next year. Not bad given that cars are designed to last for about fifteen years. So if all goes to plan, I'll have Lenny the car for nine years!
maxcelcat: (Krazy Kat)
RIP Fuji.


More pictures to follow, once I get them off my phone. Fuji has finally gone on to his final resting place - Subabits in the southern suburbs. I took him for his last five minute drive, out to a spot where the tow truck could collect him. I feel somewhat sad, I had said faithful steed for just shy of eight years. In fact I was buying him about now in 1999, picked him up just after new years. I know, it's just a car, but damn, a lot has happened while I've had him! When I bought Fuji, I was living in a student dive in West Brunswick, for example. That was four houses ago now (er, let me think - West Brunswick, Northcote, North Caulfield, Northcote again... Yeah, that's four I guess.) Not to mention several relationships ago.

Anyway, now I'm debating whether to continue the tradition and cover the back of Lenny the New Car with stickers. I will get a RRR sticker and see how that goes, but at least at present he looks far too clean and pristine. He is still an excellent and shiny shade of White.... Hmmmm, I haven't stickered up my new bike either... I guess it's unusual for me to have nice new things :-)

Damn, I am all grown up...

It does feel a bit like losing a pet, maybe a minor pet, like a goldfish, not a serious pet like a cat!
maxcelcat: (Voting is the best revenge)
Actually, that title is going to be a complete lie in a little while when I upload all the pictures I took of my dead car today.

I left out one amusing detail out of my extensive "I get a new car" story.

When I went to pick up Lenny the new Car from Melbourne Subaru (whom I highly recommend by the way, they were really, really good to me), they took me up stairs for the hand over.

They ushered me into a room, in which my new car was turning around and around on a car turntable thing! It was all I could do to not burst out laughing. They were trying very hard to make an event out of it. I mean, I'm damn happy about the car, but, damn, it's just a car, just a machine for getting from point A to B.

I also noted they had a giant blue ribbon with a bow lying around. Apparently some people not only have a car turning around on the thingy, they also have a big ribbon like it's a big gift!??!? Which, I suppose, it technically could be if someone nice is getting it for you.

I've just taken the plates off Fuji the Car, and said good bye :-(
maxcelcat: (Naughty Kitty)
Oh yeah, as noted in previous post, I've acquired a new car. Well, newer. A six year old car, as opposed to a nineteen years and nine month old car.



Guess which is the new one in this picture :-)
Which also means that technically I own two cars at the moment...

It's very very weird driving a modern car. It's quiet, the seats are supportive, the radio works, it pulls up hills at a reasonable speed, it is clean and unblemished, and has electric windows and air conditioning! Not to mention air bags and ABS and a tilting steering wheel and cruise control and, well, a whole great long list of things that the Old Car lacked. I feel like an impostor driving anything so new, or, alternatively, I feel like I really am all grown up now.

Prior to this, all my cars have been a bit privative and a bit run down. Much as I adore Fuji the Car, and have decorated him with roughly fifty stickers, he was a bit agricultural and had a tendency, especially lately, to require towing. Not to mention rusting and growing moss in parts...

The new car - which is called Lenny for reasons I will outline in a sec - is actually the fourth car I've owned.

My first car was one of these:
escort
But without the Mag wheels. That's a 1979 Ford Escort panel van. I acquired one from my cousin back in about 1991, and then destroyed it in my one true car accident back in about 1993.

Fuji, the aforementioned ancient Subaru, was my second car, which I've owned since January of 2000.

Meanwhile, for about ten months in 2004, I was half owner of one of these:
Magna
A 1996 Mitsubishi Magna. Which was, to give it a technical description, a piece of shit. It drank about half a litre of oil for each tank of petrol.

It had belonged to my then-fiancées parents, and had amongst other things a lowered suspension. It also boasted, like all of them, a shite turning circle. It did bear me successfully on a long drive to Mildura and back in the middle of 2004, eating it's usual amount of oil. When we went our separate ways, the fiancé and I, she bought my half of the car, and I went back to driving Fuji again.

BTW, I once went out to Pick a Part, that car place where one can string a whole bunch of dead cars for parts. Magna's were well over represented in the yard...

Fuji the car is more or less dead. He runs, but over heats after about ten minutes. The radiator gets blocked every few hundred kilometres of driving. So, who wants to buy it off me? :-)

Oh, and why is my new car called Lenny? Because he was financed by a loan from my mother, which in turn was possible because of an inheritance from my grandfather, who delighted in the name "Leendert". Or Lenny for short. The guy worked a lathe at Ford in Geelong for twenty years. So, the car is named in his honour!
maxcelcat: (The Good The Bad and The Ugly)
My famed sticker covered 1989 Subaru DL station wagon has finally kicked the bucket. Damn :-(
He (are cars he's?) was nearly 20 years old, in fact, he'd have been twenty in February.

Here's a picture of me with said car back in 2006:

It has, if anything, more stickers since then. Notably a Obama-Biden sticker in the middle there somewhere. Plus I'm fatter now :-)

Anyway, I've had to have Fuji towed twice this year. Back in about June the engine simply stopped going while I was driving home from the gym. Turns out it was a broken cam chain or some such. So my good friends the mechanics cracked open the engine and replaced 'em.

Oh, that's right, back in April I had the entire radiator and related tubing replaced by a nice mob in North Melbourne. Apparently most of the damn thing was blocked.

Then about a month ago, I was out in Doncaster visiting my grand mother, and Fuji almost cooked himself on the way there. I had to sit under a tree for nearly two hours while the I waited for a tow truck. I took him back to my favourite mechanic - if you have a good one, stick to him! - who said the radiator was blocked again. Damn. Apparently it was either the heater scale coming loose and blocking the radiator, or the engine itself was dumping stuff into the cooling system.

In actual fact, Fuji has probably been running hot for a long time. He's chewed through two clutches in the eight years I've owned him. And various other bits have been cooked. In fact, you could argue that I've bought Fuji twice over, what with all the money I've spent on him over the years. In early 2004 I had to get the top end rebuilt, which took some weeks.

Anyway, I've got eight years out of said car. I'm a bit damn sentimentally attached to him, I have to say. Back in 2004 I ended up half owning a Magna (which was a bit crap in its own way, drank oil like you wouldn't believe) with my then fiance, and Fuji was almost retired. I'm kinda glad I kept him, given that relationship went belly up less than six months after that.

So, on the famed trip to Wilson's Prom and Walhalla, we drove Fuji, which was a bit of a risk - but it was either that or Deb's 1986 Laser which is made from parts of three other cars. And he went good all the way there, even climbing into the Alps. But on the way home, through Moe and the outer suburbs o' Melbourne, I watched the needle on the temperature gauge slowly creeping up... By the time I was breath tested near the Yarra, just off the eastern freeway, I was sure we'd have to pull over to let him cool down. But he struggled home. I've taken a couple of short drives since, but each time he gets way too hot way to fast. Which suggests the radiator is already blocked again - mind you, we did drive 675 kilometres in six days...

So, this really was the last straw.

I rang up the Mother Bank for a loan, and low and behold she had a term deposit maturing on Monday. To cut a long story short: by the middle of next week I should be the proud owner of Forester. Which is a mighty nice car to drive. I might even splash out on a decent stereo :-)

And I might restrict myself to one RRR sticker ;-)
maxcelcat: (Bike)
I had a crazy ride home on Ninja Bike tonight.

I work down near the Domain interchange on St. Kilda Road. It's a fucked intersection to try and ride on, since there are four lanes of traffic heading North, and at one corner there two of them peel off to the left. So you need to make your way from the bike lane across two lanes of turning traffic to make it across the intersection onto the bike lane on the other side.

I usually take the footpath. I was glad I did today, two cars struck each other a glancing blow just before I headed by. They were in the process of moving from one lane to another, didn't look too bad, but it did make a crunching sound and would have sucked on a bike!

So somehow I made it up to Flinders Street station. What I usually do is ride down behind Fed Square - the area is called Birrong Marr - and ride over the pedestrian bridge to the top of the MCG, and then through East Melbourne. However, it was infested with football fans. So I detoured, and rode into the Fed Square car park. And took their lift up to Flinders Street level! Clever!

Rode up Russell Street, then onto Collins Street, which was really, really busy. I made it round all the taxi's and mad guys in beat up vans. Ducked east towards the, er, what are them gardens behind Parliament House called?

Eventually made it to Wellington Parade, my intend route. And who should I spot coming the other way, but Critical Mass! About 100 cyclists, at least two of whom recognised me! I was tempted to join them, but has places to be...

Rode up to Alexander Parade, and rode over near the corner of Smith. And waiting there for me was my car! My mechanic is on a corner there. I popped in this morning and paid for the work, and they'd left him waiting outside. So I bunged my bike in the back and drove the rest of the way home.

Which was weird, I've not been driving for more than two weeks, and I've been all Bike Ninja, fighting the traffic, so getting back into a car was novel. Controlling 900 kilos of metal is a lot harder than controlling 15. And a lot less nimble :-)
maxcelcat: (Badtz Maru)
This morning I went for a ride to the street in Northcote where I dumped my dead car on Thursday night. Thankfully it was still there - mind you, who could knick it when it won't start?

I picked up a petrol tin on the way, and wandered over to the nearby seven eleven to get a whole five litres of petrol - figuring that if it was just an out of fuel thing, I could save myself a lot of bother.

It wasn't.

After getting most of the petrol into my car, and getting the rest on my hands, my gloves, my top, my shoes and the road, Fuji the Car still refused to start. Time for Mr RACV Man. Gave them a call, and miraculously had my membership number handy. The dude turned up pretty quickly, actually, I only had time to cruise the 'net on my phone for a bit. He was there for all of two minutes... It wasn't something simple like a fuse, no...

Subaru's have an unusual engine construction. It's called a Flat Four, and owes something to the Volkswagen Beetle engines of yesteryear. Anyway, one crucial component is the timing or cam chains which control the valves. These need to be check at some interval (I forget exactly how long, it's in the tens of thousands of kilometres - 60,000 or so I think). Of course, I haven't had mine looked at in a while, because one of them snapped. Hence the Car Deadness.

So the nice man from the RACV summoned another chap, this time with one of those cool tilt-tray trucks. Which he yanked my car on to with so little fuss, like it was a simple piece of luggage. I'm always impressed with machines like that... And given that this is the third time in eight and a half years of ownership that I've had to have Fuji towed, I've had plenty of experience with 'em!

We left it parked near my favourite mechanic. Cracking open the engine isn't going to be cheap, but I'm figuring it will still be cheaper than getting another car!!!!

Dead Car

Jul. 10th, 2008 10:26 pm
maxcelcat: (Orange Hair)
Fuji the Wonder Car expired as I was driving home from the gym. Which was ironic, considering I usually ride to the gym. But it was so bitterly cold tonight I ended up driving. The oil light came on and he simply stopped running. I pushed him around a corner, and managed to park him pretty well without any power at all.

Anyway, I was on the way home, so I figured bugger it, I'll just leave it here till the weekend. Didn't like the thought of waiting around in the dark and cold for some chap from the RACV to show up, so I called up Deb for a second opinion, locked 'im up, and started home.

Actually, I had some luck. As I went around the corner, a bus came passed, so I hopped onto it. Got off about three stops later at High Street. Then wandered around the corner to my favourite kebab joint for a late dinner. Then I wandered to the nearest tram stop, and as soon as I got there, a tram turned up! Talk about a positive public transport experience.

I haven't actually been driving much lately, in fact apart from shopping and getting to Toastmasters and my book group, I really don't need a car. So, if, as I suspect, his condition is terminal, I might look into one of them car share programs like Go Get rather than springing for a new car. And then borrowing my dads car when I need something for longer... You know, that might just work...

Here's a picture of Fuji and I, back in 2006. He has more stickers now :-)

maxcelcat: (Magritte's Pipe)
(In a side note, why did I download the "Cabaret" sound track? And why is Marvin trying to chew a sticker off my desk?)

I took Fuji (my 19 year old Subaru Station Wagon, for recent listeners) to the radiator place today. As you'll recall, I was concerned that Fuji was on his last legs, after almost cooking himself on a drive back from Geelong a few months back. I was so worried I applied for a car loan in order to replace him - reluctantly, said sticker covered car has been in my life for eight years now.

Anyway, I called the Radiator Guy and asked if they could flush the cooling system. He said if it's running hot, there's a good chance something else was wrong - which I agreed was highly likely!

He was right, the radiator was really blocked, only about two thirds of it was working. Also needed new hoses, and was about to crack a water pump. Not to mention needing a new fan belt. All of which they fixed, along with some new coolant. So Fuji is alive again! Hooray. The longer he lives the longer I can go without buying a new car. Even if it's only until about this time next year, that'll be great... Not that I'm sentimentally attached or anything :-)

Might be time for a trip to the drive in :-)

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