There she is, this is the actual RV that I attempted to purchase. In a fit of luck(?) I was denied a loan. OK, that is the bottom line. But now let us get into the story of it.

Last week, I wrote about looking at RVs. In the week that transpired, I found one that I liked the price and would fit the immediate needs. That is, a place to stay for a month while my wife goes through a medical treatment where we have to stay close to the hospital. As I wrote last week, I am really kind of taken by the class B (converted van) type of body. While what is pictured below is a class C.

This was a 2007, had under 50,000 mil and was in really good shape. The best part was that the price was $28,000. I liked it a lot for our upcoming trip even if it was not exactly what I would have liked. My wife and I were really impressed when we saw it. She told a couple of her friends that we were looking at RVs and one of them asked if we wanted to split it. She immediately said yes and was ready to start pursuing it.

I don’t want to give off negative vibes. These are good people and the women are deep friends. In my mind, I was thinking “no, this is not what I want”. Despite the cost of ownership being split, I didn’t want to have to worry about I want to do this so you need to pay half or I really didn’t want that even if you paid for it all.

I have talked about being frugal before. If it were up to me, I would probably have piles of money. Of course, we have a yin and yang in our marriage and the financial side leans away from my yang quite a bit. I was definitely worried about taking on another obligation with my wife’s future. If I didn’t want this for her, it would be a hard no from me.

While I was wrestling with this, I prayed. I asked God for a sign on making the right decision. I started softening a bit after I didn’t get any sign I could see in the proceeding days. I started thinking about splitting the cost was really as safer starting point. I really didn’t want to commit, but I wanted to please so I said yes.

We were denied by the loan application. How does that feel? Relieved actually. I wanted this for her and I kind of wanted it for me. But all of the work getting ready to park it, the extra financial burden, the sharing aspect that I did not want actually makes me feel relieved.

I don’t know why we were denied. I suspect that it may be that my wife is on FMLA leave and not making any income, but you know all of the variables that go into that. I figured it was a slam dunk once we filled out the paperwork. God thought otherwise.

I won’t deny that there are some other emotions involved. The second one being shame. We started making plans with people and sharing what we are doing to now have to back track. I also won’t deny that I think we have too much debt. For me, any amount is too much and I wish that we had none but that is the whole yin/yang thing again. For me, that is a little shameful as well.

The third emotion is worry. What if there is something that caused this? I am waiting for the denial letter and then I will check my credit to see if something is amiss. We will need a new(er) car in the next few years and I make a lot of money per month. Not being able to qualify for a modest car sized loan is concerning.

End Your Programming Routine: Too often I only talk about success. Granted I don’t have that many, this is definitely a failure. I probably should have stood with my gut and said no from the get go. I am definitely weak when it comes to putting my foot down financially and I haven’t done a lot of it for many years. Thank goodness God has my back.