Credit is Crap

As it turns out, my HR manager is on vacation. So toyota credit still hasn't been able to contact her. That's probably a non-factor though, since Toyota credit now wants us to come up with a down payment of $5000. That's something we just don't have. The other option is to go to a bank instead. However, that will most likely mean higher interest rates that's gonna push up our monthly fees. Now I begin to wonder why people keep telling us to buy a car already as if it was a piece of cake. Even when I just started working some people were telling us to buy a car. I got the feeling that they thought I was weird for not doing so sooner. Others even seem really affected by my hesitation because of my perceived "good income". A few even seemed angry. It gets annoying sometimes. HELLO!!?? IT'S MY MONEY!!! I just don't get it. This has been a frustrating experience. Oh well, we'll see what the banks have for us.

On another note, it's starting to get cold. It's was 7 degrees C this morning. I had to wear a jacket. I guess we're in the fall season now.