I will never qualify for security clearance. That's what my husband tells me. I was trying to surprise him with a really great Christmas present this year. It's expensive, so I had to get financing for it or put it on the credit card. My credit is pretty much non-existant anymore because we put everything in his name over the past 15 years and all I had was a poorly-managed Penney's card that I kept forgetting to pay the bill on.
I decided last weekend to price recliners at a couple of the local furniture stores. I had two requirements in my shopping: (1) it had to be leather or some sort of microfiber because I didn't want cat hair getting embedded in the fabric, (2) it had to have heat and massage. He's wanted a recliner with heat and massage for a very long time.
The first store I stopped at had a really comfy recliner, and it was available with heat and massage, but they didn't have any and we'd have to special order it. It takes 6-8 weeks for delivery so we'd get it sometime in late January. Nope, not gonna do that. I need something for him by Christmas. Besides, it was over $1000 for that chair.
The second store had ONE recliner with heat and massage left in the store. It was on sale for $699. It was microfiber and in a color I like. I filled out the paperwork for it and waited for the answer from American General Financing, they turned me down. It was 6-months same as cash, so I figured I could live with the 22% interest if I paid it off before the 6 months were up. I thought about putting it on the credit card, which has a few thousand dollars available on it, but decided I'd better think about that a little. We are trying to pay down our credit card debt and this would be counter-productive in that matter. Besides, I knew John would be pissed if I added that much back to the credit card, but I'd think about.
Tuesday, I have to be in Knoxville for training at 9 a.m. I started work at Oskaloosa before 7 a.m. to have some things taken care of that morning before I got back. There were a few snags that took up some time, so I'm running 15 minutes late by the time I leave Osky. On the radio on the way to Knoxville, I happen to catch the beginning of Focus on the Family, which has a financial expert on today talking about the steps to becoming financially secure. Not running up credit card debt was one of those steps. I'm thinking, "Ok, God, did you make me late so I'd hear this?"
On the way home from Knoxville a few hours later, the deejay is talking about how people put so much pressure on themselves at Christmas and how gifts can be simple. You don't have to put so much pressure on yourself by running up all that credit card debt. It enters my mind, "God is telling me NOT to put that chair on the credit card." So I'm thinking, "Ok, God. Do you not want me to buy the chair at all or do you have some other way?" You know what? He answered me right there, I think. It immediately came into my head to apply for a loan from the credit union. I need to get my credit built back up. So I go by the credit union before I go back to the store. It takes me all of 5 or 10 minutes to apply for the loan and she tells me she'll call me back later after she runs things. A few hours later she calls and tells me that she approved me, but the interest is a little high because of my credit. It's 16%, which is still cheaper than both the credit card and the store financing (even though I most likely would have paid off the chair within the 6 months). Do I want them to deposit the amount into my checking account (which I haven't used for years)? I opted for a cashier's check made out to the furniture store.
I go back to the office positively giddy because God has provided both the means to buy the chair AND an opportunity to build back up my credit. He is such an awesome provider!
So anyway, the next morning while I am out running errands for the store, I stop by the credit union to pick up the check and go pay for the chair. I arrange for delivery on Dec. 23, the last day they'll be doing deliveries, so I can give it to him as close to Christmas as possible. I go to sleep that night feeling so much love - love for my God who provides, love for my husband and joy that I can give him a really nice gift after all these years of receiving really nice gifts from him.
The next morning, I am told that he knows what he's getting.
"How?" I ask him.
"You told me," he says.
"I did not! How did you find out?" I'm starting to wonder if the one daughter I told spilled the beans, but I know that she didn't. She's pretty good about not telling if you tell her not to tell, and besides, she hasn't had the opportunity.
"I have my ways," he says.
"How do you find out?!" He delays more, playing with me by telling me he has his spies, yada, yada.
"You talk in your sleep," he finally answers. "Last night you mumbled something and I asked you what you said, so you answered me, 'I'm glad I got the financing.' So I asked you financing for what, and you told me 'A recliner with heat and massage. You would never get a security clearance."
I'm still making him wait until the 23rd to get his present.
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