What a day! Had trouble sleeping again last night. I slept in a bit this morning but then gave up and got up.
Went to Emporia to work on the rental house. Once I got to town I stopped to drop off some Chex Mix to Jason and was able to see him and have a short visit. Then I went to Michelle’s office and dropped off some for her and her kiddos. She wasn’t too busy so we were able to chat for a bit.
Went to the house and worked on the kitchen cabinets. The screws I got on my fourth attempt worked and I was able to get the drawers put back in place. I worked on the kitchen cabinet doors and ran into problems. The hinges I bought cheap from Amazon kinda worked. Some of them I had to drill new holes.
Got the drill bit stuck in the cabinet door and had to figure out how to reattach the drill to it to pull it out. Finally got the hinges all on and then I attempted to hang the doors. Some of the doors don’t line up with the old holes and had to drill new holes. We didn’t mark the cabinet doors and found out they are not all exactly the same size. This type of work is not my strong suit.
It really is a two person job to hang some of the doors. Good thing Tagen showed up and helped me out. We didn’t get them all done before we had to leave to go to the car dealership.
Tagen doesn’t have a credit score yet as he hasn’t had any credit cards, etc. The car dealer’s finance people wouldn’t offer him a loan even with my co-signature with him as the primary buyer. I called the local bank and they would do it but at over 20% interest with 20% down. Yikes! That feels like highway robbery to me.
The only way we could make it work is if I purchased the truck on my own. The interest rate is still over 8% doing it that way. If we added Tagen as a co-buyer the interest rate would have been over 15.8%. Yikes! I am selling one of my rental houses next year and when that happens I will pay off the truck loan and then Tagen will pay me direct for the truck. That will save him over $12,000 over the course of the loan. I will transfer the truck to Tagen’s name when I pay off the loan. I wonder how much that will cost and if we will have to pay sales tax again.
I haven’t borrow money for over 10 years and had no idea interest rates were so high. I feel so bad for people that have no choice but to pay them. I’m grateful to be in a position to help my grandson out.
I asked the car dealer if sales were down. He said last month they moved 55 vehicles and so far this month only 15. Wonder what next year will bring for them if the tariffs go through.
Came home exhausted. I find doing things outside my comfort zone wears me out. I am not wired to hang kitchen cabinet doors. I am proud of those we got up but will have to spend another day getting the rest of them done. May end up asking Phil to do it for me.
Tomorrow I have to leave for Topeka around 8:45. Going to stop at HyVee to get a turkey and a ham before my eye doctor appointment at 10:50. Kathy is going to drive me as they will dilate my eyes and that usually gives me a migraine.
Friday I am meeting a friend for lunch or conversation and will spend the rest of the day at the rental. I didn’t get any painting done today so still need to finish that up. I will work on it through the weekend and get it done. Then I will need to clean the house and it will be ready for Tagen to move in. Still waiting on the drain guy but still hoping he will be there this week.
I will be so grateful when this rental project is completed. It is draining me. I am looking forward to having stay at home days and nothing pressing to do. Remodeling takes more dollars and time than expected and we didn’t do that much. I will be ever so grateful when all three of the remaining rentals are sold and I am out of that business.
Feeling a bit out of touch with the world today. I really had no idea interest rates were that high. How privileged I am to not have to know that. I wonder what credit card rates are these days? No wonder people can’t get ahead.
Grateful I could help my grandson out, grateful some kitchen cabinet doors got hung today, and grateful I got to see and talk to both Jason and Michelle today.