I relish change. Embrace it. I seek it out. I’m not a “fly by the seat of my pants” kind of guy that will just jump into any situation without mulling it over, but with some thorough planning I try to push the boundaries of my comfort zone.
Recently (in the last few months) I’ve been planning a slightly different lifestyle by moving into a 30 foot Class C RV. We had it all planned out; we knew what we were looking for in layout, features, price point, a place to park it, just about everything. Except the financing.
I don’t like debt. I don’t do debt. I’ve had very little debt in the past. I pay cash, even for large items. However, the plan for this lifestyle change was made a little more suddenly than my disposable cash would allow. We would need a small loan. Surprisingly, even with credit scores of 806 and steady jobs, we were rejected repeatedly. (Unless we were willing to accept an interest rate of 22.99%. Yeah.) The reasons given were anything from: a policy against RV loans for full timing, a lack of credit history, limited time living in state, limited time at our current jobs, and so on.
We’ll just have to try our hometown bank 2700 miles away, I guess. Meanwhile, we’ll keep paying $900 a month rent to occupy a space neither one of us enjoy anymore. I was running around like a madman cleaning, purging, selling, trying to get ready for the move. Well, I’ve been taking a break from all of that, but now it’s a new year (by someone’s arbitrary definition), and it’s time to continue purging. By early March I hope to have found the financing we need, and then we’ll have saved a much large down payment.
To change! Happy New Year!
-M.C. Pletcher
musings on entropy 
Questions or Comments?