Lily had a counseling session but 1/3 of that time, I used.. yeah..kind of lost it. Lack of sleep, stress, and on top of that, I do not think this is allergies, I think I have a cold.. and feel like doo doo.
However, being up most of the night I was doing research on finances and trying to get more bang from my buck. In other words, where can I shave and save some money. The car payment was a huge bite.. along with the gas it takes to fill it. So I began researching.. called my loan officer first thing, told him the issue and he set the wheels in motion to get me a super low rate and help me find a car I could trade for and have a more reasonable payment. He is awesome. So.. thats what I did.. yup.. bought a car and traded my 08 town and country, low miles 20mpg highway in for a 07 nissan altima (its pretty and kinda sporty actually), low miles, 35 mpg highway. I will have much better gas milage and a lower payment. With the payment and the gas savings I am looking at @ $280/month savings on average. Not too shabby.. I still need to be frugal though.
I am exhausted.. I forgot how LONG it takes to buy a car...