Hi, it's David Evans and I want to tell an incident that shaped my life and made me realize how vulnerable we can be in times of pressure!...seriously now. If you are about to make a decision on a major purchase or commitment just look back in retrospect and you will see pressure has the ability to make you get busy and how you might regret making a decision under pressure!
It was 1991, I had worked for about a year on my 1st job as a pool maintenance tech in Satellite Beach, FL. I decided to buy a 1975 Volkswagon bus painted till green with dark tint windows...I felt like an official beach cruiser! Life was good but before long I needed a mechanic and then the body started to reveal the cancer called rust hidden beneath the new paint job.
I spent hours buffing out the paint to hide the rust and finally decided I wanted to do more than just cruise the beach in my empty van so I traded my beach mobile in for a brand new 4x4 Diahatsu Rocky...Not because I needed it, but because I wanted it so badly.. Everyone around me seemed to be driving cool convertable Volkswagon Jetta's or new Mitsubishi 3000 Gt's. We all want to feel good about ourselves and our lifestyle, but unless you are a from a family that planned your future before you were born and raised you to handle the pressure to get straight A's so they could send you to an Ivy league school, you may have to work hard, real hard to get what you think you need.
Now back to the past-- I wanted a new Jeep or something 4x4 and I had no verifiable income! I had quit my job and I had other obligations to take care of like finishing school and paying rent. I convinced myself that buying a new car would motivate me enough to get a job and continue going down the right roads in life so I could be successful!
I convinced my mother that I would get a job if she would co-sign for me. After all she knew I could be trusted. I bought a scooter to drive to school after graduating high school and attended college on my 150cc motorbike. Life was good! I made my $65 dollar payment for 3 years most of the time without a problem.
Now I had a $300 payment and that was scary...I honestly believed God would divinely intervine on my behalf and allow someone to goof up the accounting system at Chysler Credit- somehow I believed they would just lose track of my purchase and eventually forgive the debt. That was my prayer...after all..God can do anything..right!
I got a call from Chrysler credit after not paying the 1st two payments. I seen the coupon book in the mail and just let it set on the desk..God was not intervining very quickly but I had patience..then I had a rude awaking when I got a call from 1-866-666-6000 and the man said my wheels could be repossessed. Then reality suddenly kicked in..wow! Was this the New World Order putting me under pressure to pay my payment...no..but I knew Chrysler Credit was serious!
Now I had to full-fill my end of the bargain to my parents so they wouldn't get a call. Yes, I got a job and it took me almost two weeks to make enough money to pay my car payment. That means I was paying more for my car with insurance and gas then I was for my housing. Think about it! Making that decision was costing me big time! I did enjoy the Diahatsu Rocky...lots of great memories and then one day it came to a crashing end- I rolled my SUV off roading and I was speeding. Two other minors were in the Rocky at the time-seat belts and roll bars saved us!
Now I had no car and I had to ride a bike to work because my insurance would not pay for my rental for 2 months while the Rocky was being repaired! Yes,sir, I rode a bike 11 miles to work everyday and I still had to make the payments while the thing was in the shop. You want to talk about pressure! My God, how do we get ourselves into these predicaments! Everywhere I looked, all I could see was those big signs that say...Bankruptcy stpps the debt callers! Making bad decisions can put your in financial jail. There is more to this story so stay tuned.