Stuck in The vortex

[TotallyHucked]

Like others have said, the refi is probably your best bet, worth the effort to at least have the extra funds go to the principal. Or sell and buy a cheap car for a while. I got divorced 4 years ago and have bought/sold a few cars since, lost on a couple and got tired of juggling money or losing and nothing lasting. I paid 8k cash for a loaded, older Fusion to daily. It's been fantastic-comfortable, great options, great fuel mileage. It's helped me save a ton of money over the last year or so. Now I'm finally in a position to comfortably buy another truck, but am looking at used stuff ~30k. I took out a car loan through my bank (Lightstream, by Suntrust), it's not a good time for interest rates but with a used truck, the payment is reasonable and I can throw a little extra toward it each money to pay it off early which will save money. Sometimes you have to step back and sacrifice for a while.

 

[gofishn]

Anything over a "Andy Jackson" is a lot to me, LOL. Which is why, at this stage in my life, I do not carry any credit over, except for Major House Improvement, ie., Genny System, and I am paying 900% over the minimum payment till paid off. Unfortunately, next major windows, and they will put me right back behind the ole 8 ball, LOL.

ADDED: Bought my 2019 (early in Aug. 18). Traded in ED, threw out CC, paid difference after rebates and drove out of dealership owning truck, just how I am now.

I went to the Dealership. Told them the Ram 1500 Crew Cab, 4X4, 5.7 Hemi, non e-torched, 8 speed, 3.92 gears, 6.4 box.
They had one. Drove it, got a price. F&I guy tells me they got 2.9% going on, hell yeah.

Do you want to know the payment?

Nope. Know what I paid, the Rate and number of months. Payment is what it is.

Unlike the 0% I got on the Wife's Ford, I will not make one payment,
get miffed about making payments, again, then pay it off.

This one is going the full 2.9% distance.

I blame the Ford Fiasco, on the Morphine they had me on, at the time.
Give up ZERO PERENTACGE INTEREST?

WTFH?

I truly was on Dope and completely out of my head.

 

[gofishn]

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