I decided that what I needed to complete my life was a bicycle. I used to ride my bike everywhere as a kid, to the point where I actually rode a dirt course with jumps and everything. It was a blast, and a decent mode of transportation. Bicycles are: fast, simple, fun. Walking: sucks. So, I pulled up my local craigslist and the search was on. My budget is not infinite, that's for sure, but in a college town with lots of people coming and going, surely an inexpensive bike wouldn't be hard to find, right?
I found several in my price range and sent out e-mails. I was antsy. I wanted to get a bike NOW, not tomorrow or a week from now. So, when someone did finally e-mail me back, I practically bought the bicycle in my head. He asked if I wanted to come see it, and I was like, "Uh... Yeah! Good idea!" I told him I'd have to stop by an ATM to get some cash out, but that I should be there within half an hour or so. I got in my Nissan Sentra and headed out.
Now, it would be an understatement to say that I'm frugal. I'm chintsy, I'm cheap. I don't like spending money. I buy generic, use coupons, shop sales. I have a deeply-rooted problem with fees such as ATM fees or night club covers. ATM fees because why the fuck should I have to pay you to get my money (my money that you loan out to others at exorbitant interest rates, I might add); club cover charges because why the fuck should I have to give you money to give you money? I want to come into your establishment to purchase some alcoholic beverages at an already ridiculously marked-up price. Take your cover and shove it.
Now, I bank with a credit union. I have been with this credit union since I was 16 and got my first job. I love their service. Through our eleven year business relationship, they have taken very good care of me. I've had three car loans through them (on my third now), a couple of small school loans, and of course they carry my checking and savings account. Though my credit isn't fantastic (I have some revolving debt that I can't quite pay off at this juncture, though I have never been late on a payment or anything like that), they gave me a really great interest rate on my most recent car simply because of how long I've been with them and my good history with this one company. Unfortunately, my credit union does not have a branch where I live now (in fact I think they only have branches in San Antonio and Austin). So, there are no free ATMs in my area. This isn't normally a problem because I can get cash-back at most places. Most. Places.
Now, I bank with a credit union. I have been with this credit union since I was 16 and got my first job. I love their service. Through our eleven year business relationship, they have taken very good care of me. I've had three car loans through them (on my third now), a couple of small school loans, and of course they carry my checking and savings account. Though my credit isn't fantastic (I have some revolving debt that I can't quite pay off at this juncture, though I have never been late on a payment or anything like that), they gave me a really great interest rate on my most recent car simply because of how long I've been with them and my good history with this one company. Unfortunately, my credit union does not have a branch where I live now (in fact I think they only have branches in San Antonio and Austin). So, there are no free ATMs in my area. This isn't normally a problem because I can get cash-back at most places. Most. Places.
I needed gas, so I figured I'd stop by a gas station and fill-up, and get my cash-back there. It was Sunday but for some reason the gas station was very busy. I waited about 5 minutes and then saw a spot open up that I could get to. I looped around the pumps and headed towards the pump at the same instance that a woman showed up out of nowhere to take it. We were both pointed the same place and stopped short. Now, I had already been waiting and she had just pulled into the station. One of us was going to have to be the jerk. Either I let her be the jerk and I don't get what I want, or I be the jerk, and get what I want and have already been waiting for. So, I was the jerk. I didn't cut her off or anything, we had both stopped, but the choice came and I made it. Besides, the pump next to that one opened up, so I figured she would take that. She didn't, and instead pulled up behind another car. She rolled down her window and delivered a very sarcastic "Thank you" to me, which I completely ignored. I wasn't in the mood to argue, anyway.
So, I got gas and went to pay. The attendant told me they didn't do cash back. Great. I decided I'd stop by the grocery store across the parking lot and get a pack of gum or some trivial item (at least then I get something in exchange for the money, instead of paying $3.00 for nothing) and get cash back at the register. Apparently there was a football game going on later that afternoon, so the grocery store was packed. I waited in line about ten minutes, thinking the whole time that I would pay $3.00 to avoid all this hassle. When I finally did get to the register, I realised I'd left my damn wallet in the car. Irritated, I headed back to my car to find an ATM machine. I drove to the closest bank (some no-name local branch). I stuffed my card into the machine and put in my PIN. I requested cash and then... the transaction was declined. I can't adequately tell, in mere words, the emotion I was feeling at that moment.
There was a Wal-Greens across the street and I figured it'd be my last shot. I knew there was money in my account, I just had to GET to it, dammit. The transaction at Wal-Greens went flawlessly. There was no one in line and in fact I didn't see another customer the whole time I was there. I got a pack of mints and paid, the transaction was approved and I got $40 cash back (two twenties). I happily waltzed to my car, thinking of all the fun I'd have with my new bicycle. I hopped in the car, reversed out of the space and almost got completely out of the parking lot when I realise the seller of the bike would likely not have change for a twenty. He was asking $35 for the bike and I had the intention of asking if he'd take $30 instead. I would need change. So, back to Wal-Greens.
Forty-five minutes after leaving my house, I had a twenty, a ten and two fives and was headed to the guy's apartment complex. We met in front of his leasing office. I rode the bike a little bit to ensure it was mechanically sound, talked him down to $30 and paid for the bike. He left. I then spent the next fifteen fruitless minutes trying to get the bicycle in my car. It was physically impossible from any angle. It didn't fit in the trunk. The back seats don't fold down, so I couldn't do that and push it through from the trunk. It wouldn't fit in the back seat. The front seat wouldn't recline enough to squeeze it in there. I didn't have tools to dismantle the bicycle so that I could break it down and take it home. In short, there was no way for me to get this bicycle home aside from riding it, and I was about 15 miles from my apartment. Additionally, how the heck would my car get home?
Forty-five minutes after leaving my house, I had a twenty, a ten and two fives and was headed to the guy's apartment complex. We met in front of his leasing office. I rode the bike a little bit to ensure it was mechanically sound, talked him down to $30 and paid for the bike. He left. I then spent the next fifteen fruitless minutes trying to get the bicycle in my car. It was physically impossible from any angle. It didn't fit in the trunk. The back seats don't fold down, so I couldn't do that and push it through from the trunk. It wouldn't fit in the back seat. The front seat wouldn't recline enough to squeeze it in there. I didn't have tools to dismantle the bicycle so that I could break it down and take it home. In short, there was no way for me to get this bicycle home aside from riding it, and I was about 15 miles from my apartment. Additionally, how the heck would my car get home?
I have no cell phone, so I couldn't call anyone from where I was at. I rode the bike to campus, where I tapped into their wifi with my iPod Touch and made a call to a friend who owns a truck. I explained to her that I was on campus, with a bicycle, and didn't know how to get it home. She asked some questions that didn't make sense to me until I realised that she was completely confused. "How the hell did you end up on campus with a bicycle without your car?!" she asked. I then explained the whole story to her, she laughed at me and finally I was able to go home. I got the bike home, got a lock for it and it was good to go.
I've been riding it to work every day which is 2 miles, total. The 2 miles I was walking. It takes HALF the time and is by far more fun. When school starts, it'll be nice to have a bicycle on campus. I'll get more riding in, too, because I will be taking classes at Blinn Community College on Tues/Thurs which is only about a mile from my house. So I envision I'll be riding to Blinn and back home, then putting the bike on my bicycle rack on my car, driving to where I park near campus and bicycling another 2 miles (one in and one out) on Tuesdays and Thursdays, and then on M/W/F get my straight two miles from my car and back. So, that's 14 miles a week, not including recreational riding. As I get into better shape, I can totally see myself hitting some biking trails. That shit is straight fun.


