Those close to me know my insistence on planning and overall lack of spontaneity. In this blog I've documented examples of how spur-of-the-moment decisions never end well for me. Over the years I've learned that nothing in my life stands a chance at running smoothly without a minimum two weeks notice, the preparation of a list of some sort, a solid plan A in place, a back-up plan B waiting in the wings, and enough discussion to cause Punky's dad's eyes to gloss over and roll up in his head and his ears to suffer 95% hearing loss (both of which miraculously reverse the minute I shut up or change the subject).
Even though I know my track record, once in a while I get a bug up my ass to throw caution to the wind and do something without prior thought and preparation. I had one of those rare moments a few weeks ago. The weather was beautiful. Work was extremely slow. Punky and her dad were both home that day. At 11:45 I decided to take half of a vacation day and leave work at noon.
And we ended up with this:
Granted we have discussed the idea of possibly buying a camper at some point for about two years now, but my mind had not fully settled on exactly when that point would be. I hadn't worked out every detail of the financial implications. I hadn't considered all of the additional crap that would be required to actually park this thing in the woods and live in it for a few days. I hadn't really researched the ridiculous cost of campgrounds, or thought about the actual number of times we would use it in a summer, or weighed the pros and cons of camper ownership in general. I was unprepared as we casually strolled through the lot and checked out all the different makes and models, and that, my friends, is a recipe for disaster.
And, thus far, it's been one. Well, actually many, I suppose. Tomorrow marks four weeks since that spontaneous four hours of vacation time cost me nearly fifteen grand, and we've faced issue after issue, hurdle after hurdle, problem after problem ever since. Here are the highlights:
My insistence on keeping my name off of all the financial documents (due to the fact that I'm going to need a car loan within a year or so) opened up a whole can of worms with his credit report. A local hospital turned a large, fully-paid medical bill into collections without our knowledge and it was one giant pain in the ass to sort it all out and get it fixed.
The bank he finally financed with would only offer him a good interest rate if he agreed to refinance his truck loan with them as well. It turned out to be a good deal, but we're still trying to clean up the mess with the bank that originally had the loan. Even though they acknowledge that they received payment in full from the new bank, they continue to pull payments out of his checking account. They now owe us nearly six hundred dollars and they keep telling us we'll receive a check in ten days. Needless to say, it's gotten ugly and I would caution anyone to think twice before ever dealing with M&T bank.
When we returned to the dealership to actually pick up the camper and bring it home, they discovered his truck was missing some gadget that is needed to tow a trailer. The technicians told us it is so rare, like one in a hundred, to see a truck like his with a tow package that is missing this integral part. That translated to another week of waiting while they ordered the part and an additional three hundred dollar expense.
When we tried to get the camper insured, his account was in lock-down due to the transfer of title on the truck between the two banks. It was three days before they could access his info and provide us with an accurate quote.
Because we bought the camper across state lines, sales tax and registration are their own separate headaches. I don't quite understand how it all works but the general gist is that we paid sales tax to the dealership in NY which they immediately refunded to him by check via mail, and we left with a temporary NY registration that would be null and void in thirty days. The sales tax check had to be deposited in his account so he could write a check to the state of PA instead, and a trip to a notary was necessary to register the camper in PA and obtain a license plate. It would've been helpful if the notary informed him that she needed to actually see the camper before he drove thirty minutes to her office with only the pile of paperwork he thought he needed.
But, it looks like we've finally made it. It's here in our yard, it's financed, it's insured, it's registered, and all due taxes are paid. After all that, you can imagine how nervous I am about our first camping trip coming up in a few weeks. I've already made about seven lists, devised plans A, B, and an extra C just in case, and his eyes have been rolling up in his head like crazy. He can't hear worth a shit either.
And, should I dare to even consider it, I asked my boss to politely decline any future last-minute vacation time requests.