All or Nothing

My mom and I were talking yesterday and I mentioned how if I'm going to change a habit I am "all or nothing" about it. Doing things a little bit at a time never worked for me. Case in point. My wonderful husband and I have been together 33 years. I was pregnant within 3 months of dating (the second time around.) SURPRISE! And we moved in together two weeks after I found out. We were married less than a year later. All or nothing. And that worked out just fine for me.

So I don't just start eating one Vegan meal a week. I go full Vegan. It's going great.

I don't just "watch my spending." I stop spending completely. Well, now that Target's off limits (for supporting ICE) there goes a giant will to spend. I'm also in the "purging" phase of the year. Cleaning things out. Giving away. Not the acquiring phase, so that helps. 

A beautiful orchid I brought back from the dead.

A friend gives me her dead orchids and I bring them back to life.

Honestly I really want for nothing. I have a closet literally bursting with beautiful clothes. I have shoes that keep my feet comfy and ankles stable. I have a travel wheelchair, big wheelchair and walking sticks. I have a stunning new car. A warm house to keep me safe. Plenty of good food to eat. Books to read, TV to watch, a soft bed to rest in. More than enough blankets to wrap up in. Hot water for bathing. You get the idea. In many parts of the world I would be considered RICH.

Most of all I have many people who love and care about me. That feels amazing. So no... I don't need to go to Home Goods and get that Valentines placement. I want to go to the pottery studio and create something that didn't exist before I made it.

I don't want to go to Costco and buy new pillows. I want to get berries to feed my mitochondria. I want to walk my dogs, hug a tree, watch the birds, build a birdhouse, tend my garden, hug people I love. All free pleasures in life. I'm all in.

Wheelchair Van Shopping

Terrifying, daunting, uncomfortable, overwhelming... maybe those words begin to describe what it's like to shop for a wheelchair van. These are just a few reasons I suspect most wheelchair users choose to either not go out much, or to take public transportation. The other reason? COST! DAMN! I mean come on! The prices of these vans will take your breath away.

My husband and I began thinking about pulling the trigger on a wheelchair van this summer. We're fortunate enough to have actual options in the city we live in. Most people I think are stuck with a single dealer or buying private. I thought I educated myself and was prepared ahead of time from internet research. Nope. So let me break down my experience for you so far in the hopes that it might help you out in your search.

That's some serious "RBF" going on there!

Step 1: Find what kind of ramp you want.
Electric? Manual? In-Floor or out? There are many options here. I want an electric "Fold Out" which is not the same as "In Floor". The reason is because if the electric equipment has a malfunction (and we know how common that is) then you can still manually get your ramp up and down. You're not trapped in your chair till some magical help comes along.

Step 2: Will you ever be driving?
I've heard a lot of stories from people who thought they would drive, but then due to their progressive condition only drove for a year or two. It ended up not being worth the huge expense of making the drivers side accomidate their needs. Case in point. When we first started looking I was still driving. I was interested in a "Transfer Drivers Seat" meaning I could easily transfer from my chair to the drivers seat to drive. Well, I'm no longer driving and I don't need that expensive feature.

One of the many benefits of buying a van from a dealer vs private party is that as your needs change you can have your van modified. For example I don't need a transfer passenger seat yet, or a chair lock down in the front instead of a passenger seat. If that changes in the future I can have our van adjusted.

Step 3: What kind of van do you want?
This is called the "Chassi" in the wheelchair van world. Common makers are the usual. Honda, Toyota, Chrysler, Dodge. Each comes with their own pluses and minuses. I am very tall with long legs and an "ample bottom" so having a comfortable, roomy passenger seat is really important to me. Also due to my chronic pain, seat heaters are really a big plus. Because of these and a few other important features I'm hoping to buy a Chrysler Pacifica Touring-L Plus.

Step 4: What's your budget?
Wheelchair vans range wildly in price just like regular cars. Also like a regular car you get what you pay for (in my opinion.) The older the car, the more miles on it, the less expensive it will be. You will need to consider--The Chassi Price, Conversion Price, Equipment Cost (tie downs, modifications to your chair to be locked in, transfer seats, driving mechanisms...) and Warranty. Then of course there's taxes, documentation fee, license fee, smog, registration and every other nickel dime fee there is. 

Some Chassi brands will give you a small rebate. Usually around $1K and only if you're buying brand new. A super small drop in the bucket. In my state there are no programs to help you with the cost. It's considered a "non medical necessity". Though my dealer mentioned we might be able to deduct the cost of the conversion and equipment as a DME (durable medical equipment). We'll check with our accountant about that.

And some cars have lease options instead of buying. But I have found them to be too rich for my blood. However if money is no object and you just want to have the best you can buy it should be an option to consider.

I was happy to hear that there are programs where veterans can get a van almost completely covered (they should be able to get whatever they want for free if you ask me). And my dealer said "Victims of violent crime get a 30K payout to put toward the cost of a van". 

The van we're considering is a 2017 (two years old) with super low miles. "Out the door" it will cost $61,094.87 to purchase. Luckily we have excellent credit, but I was told that financing a van can be difficult as it isn't treated like a typical car purchase. You can also get financing for up to 10 years to make the monthly payments a little bit easier. For us those payments are still 4x our current monthly car payment so that's a huge, scary undertaking.

The next steps are to talk to our banker about it, sell my husbands car and pray that my student loan debt is forgiven due to permanent disability. I'm checking the status on that daily. Hopefully we can pull the trigger soon because it would really improve my quality of life to have "Dory" with me whenever I need her.