I could say, I was born with a silver spoon. But it seemed that sometime around the age of 22, I spat out the spoon and decided to try my foot with the regular steel spoon in the real world.
One interesting journey I had was the buying of a car.
As someone born with a silver spoon, you would think I had a car or a bike or some mode of transportation of my own in Amchi Mumbai. Oh No! Amchi Mumbai is famous for its excellent public transportation and phenomenal connectivity. I also had a dad who had not grown with a silver spoon and at least to some extent chose not to spoil his two daughters with his riches. And so when we were taken out of the school bus system, which was around 11 years of age for me, we had to travel by the Bus no # 214 of the famous Bombay Muncipal Corportation.
I remember during the Bandra fair, which happened close to our place, the #214 never came close to our house and so after a long day at school we would have to walk the last 1 km! Of course we didn't dare complain as both dad and mom would pop out the story on how they had to walk all the way and sometimes had to walk 2-3 hrs to get to school. Now that I think of it, I don't think their bags were heavy - but I still dare not argue.
When we started going to college which was further away from home, it was bus -rail - walk.
Even after I learned to drive at 18, I was rarely given the car. I was allowed to drive only if dad or mom were in the car. I remember once, nervously, asking dad for the car to go for tuition. But that was the max I would dare. There was no way that I could even think about asking for the car to go for a movie with friends or even to a friends house. All those 'extra-curricular' activities had to be done on bus-rail-walk mode.
When I landed in the US, a car was the least of my interest as I struggled with the cold weather and poor academic understanding. But right after the end of our first term, a friend of ours offered to sell his car as he was buying another one. Suresh and I were friends at this point and decided we had just about enough money to buy a car and we would pool in the cost of the car, fuel and insurance. It seemed like a good deal till we crashed the car - A whole another blog on the crash - COMING SOON.
Once we had got our confidence back and I had made a few extra bucks at the summer job volunteering at the Greek festival, we got back into the task of car hunting again. Our budget was ~$2000. That was it! And that was all we could afford. We spent days looking for a car. Something that actually worked! It was hard but we finally found this perfectly cute Red Honda Civic! Cost $2000.
Perfect it fitted in out budget. The man who was selling it to us, was a good talker. And we were newbies! He told us the car was perfect and that he would take us to a mechanic.
Never for a moment did we think anyone would cheat us! I mean why would they cheat us! We were nice people! So they had got to be nice people! NAIVE!
The car seller did all the ground work for us. He took us to a mechanic who he knew! ALERT! ALERT! Then once this ' good' mechanic approved the car, he took us to the DMV and got all the paper transferred to our name, took the cheque for $2000 and that was it!
We probably drove the car about 10 miles, maybe less than it and it stopped. Our very first day on our wonderful car, bought with our hard earned money and we were pushing it to a parking spot just so we would not get a parking ticket!
We drove around the car for about 4-6 months. If you dont believe that an inanimate object can harass you, try buying a car that does not work too well! The car harassed us each and every day! It stopped at random places. It refused to start in the middle of the interstate. It cost us a lot of money in repairs.
Finally we sold it off for about $200 - just happy to get rid of it. The 'nice' mechanic who bought it also made a ton of money off us in repairs before he 'advised' us to sell the car.
The scar of this car buying was very deep. So deep that for the next 3 years we did not look at another car. Even when we had a little savings in the bank, we chose to stick with using public transportation and doing groceries on the cycle and carrying them in a haversack back home.
Finally in 2004, after I had returned from an internship and Suresh had a part time internship still going, we ventured into car buying again!
Just as we finished paying for the car in installments, we happened to take a course on Financial Peace by Dave Ramsey.
http://www.daveramsey.com/blog/how-teens-can-buy-their-own-cars/
This was about the time I was almost 9 months pregnant! I think Isaac and Ziva will have Dave Ramsey and our own personal experience with car buying to thank when they get their license and are refused their own vehicle.
For those of you who had your parents buy you your first vehicle, be thankful! For those parents contemplating on buying your kids a vehicle! STOP - It wont kill them to ride public transport! They may even learn a few lessons on money management.
One interesting journey I had was the buying of a car.
As someone born with a silver spoon, you would think I had a car or a bike or some mode of transportation of my own in Amchi Mumbai. Oh No! Amchi Mumbai is famous for its excellent public transportation and phenomenal connectivity. I also had a dad who had not grown with a silver spoon and at least to some extent chose not to spoil his two daughters with his riches. And so when we were taken out of the school bus system, which was around 11 years of age for me, we had to travel by the Bus no # 214 of the famous Bombay Muncipal Corportation.
I remember during the Bandra fair, which happened close to our place, the #214 never came close to our house and so after a long day at school we would have to walk the last 1 km! Of course we didn't dare complain as both dad and mom would pop out the story on how they had to walk all the way and sometimes had to walk 2-3 hrs to get to school. Now that I think of it, I don't think their bags were heavy - but I still dare not argue.
When we started going to college which was further away from home, it was bus -rail - walk.
Even after I learned to drive at 18, I was rarely given the car. I was allowed to drive only if dad or mom were in the car. I remember once, nervously, asking dad for the car to go for tuition. But that was the max I would dare. There was no way that I could even think about asking for the car to go for a movie with friends or even to a friends house. All those 'extra-curricular' activities had to be done on bus-rail-walk mode.
When I landed in the US, a car was the least of my interest as I struggled with the cold weather and poor academic understanding. But right after the end of our first term, a friend of ours offered to sell his car as he was buying another one. Suresh and I were friends at this point and decided we had just about enough money to buy a car and we would pool in the cost of the car, fuel and insurance. It seemed like a good deal till we crashed the car - A whole another blog on the crash - COMING SOON.
Once we had got our confidence back and I had made a few extra bucks at the summer job volunteering at the Greek festival, we got back into the task of car hunting again. Our budget was ~$2000. That was it! And that was all we could afford. We spent days looking for a car. Something that actually worked! It was hard but we finally found this perfectly cute Red Honda Civic! Cost $2000.
Perfect it fitted in out budget. The man who was selling it to us, was a good talker. And we were newbies! He told us the car was perfect and that he would take us to a mechanic.
Never for a moment did we think anyone would cheat us! I mean why would they cheat us! We were nice people! So they had got to be nice people! NAIVE!
The car seller did all the ground work for us. He took us to a mechanic who he knew! ALERT! ALERT! Then once this ' good' mechanic approved the car, he took us to the DMV and got all the paper transferred to our name, took the cheque for $2000 and that was it!
We probably drove the car about 10 miles, maybe less than it and it stopped. Our very first day on our wonderful car, bought with our hard earned money and we were pushing it to a parking spot just so we would not get a parking ticket!
We drove around the car for about 4-6 months. If you dont believe that an inanimate object can harass you, try buying a car that does not work too well! The car harassed us each and every day! It stopped at random places. It refused to start in the middle of the interstate. It cost us a lot of money in repairs.
Finally we sold it off for about $200 - just happy to get rid of it. The 'nice' mechanic who bought it also made a ton of money off us in repairs before he 'advised' us to sell the car.
The scar of this car buying was very deep. So deep that for the next 3 years we did not look at another car. Even when we had a little savings in the bank, we chose to stick with using public transportation and doing groceries on the cycle and carrying them in a haversack back home.
Finally in 2004, after I had returned from an internship and Suresh had a part time internship still going, we ventured into car buying again!
Just as we finished paying for the car in installments, we happened to take a course on Financial Peace by Dave Ramsey.
http://www.daveramsey.com/blog/how-teens-can-buy-their-own-cars/
This was about the time I was almost 9 months pregnant! I think Isaac and Ziva will have Dave Ramsey and our own personal experience with car buying to thank when they get their license and are refused their own vehicle.
For those of you who had your parents buy you your first vehicle, be thankful! For those parents contemplating on buying your kids a vehicle! STOP - It wont kill them to ride public transport! They may even learn a few lessons on money management.
