Car blues. :( Could use some advice from the experienced. - Page 2 - The Horse Forum
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post #11 of 24 Old 02-08-2016, 05:50 PM
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as my father and some of my family in the auto industry have told me, you either spend the money on payments drawn out every month or you spend the same amount in repairs once or twice a year for an older car.. it balances out
beau159 likes this.

Make it idiot proof and someone will make a better idiot.
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post #12 of 24 Old 02-08-2016, 06:47 PM
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A 2000 car that last 2 years isn't bad. That is less than 100.00 a month. When things happen like your boss backs into it you make him pay for it. That is what insurance is for. It would have been an easy thousand in your pocket that would have been a nice payment towards a new car.
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post #13 of 24 Old 02-08-2016, 06:55 PM
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Quote:
Originally Posted by gingerscout View Post
as my father and some of my family in the auto industry have told me, you either spend the money on payments drawn out every month or you spend the same amount in repairs once or twice a year for an older car.. it balances out

Not true for many people.

Right now I am thinking of a couple of people who are making payments and having to repair the car.
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post #14 of 24 Old 02-08-2016, 06:57 PM
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Its easy to buy private party and get a loan.

Going through a credit union one will often get good rates.
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post #15 of 24 Old 02-08-2016, 07:02 PM
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Originally Posted by SorrelHorse View Post
On my current car we have replaced the clutch, brakes, battery, injectors, and something else I didn't quite catch all this year. Some of that was me, some of that was a present from my dad and I didn't know he was doing it. It also has brand new tires. Man I am hoping it lasts long enough to at least make use of its new gear, I actually do love the little car for a Doggy-Mobile but at this point I am just waiting for death.
Cars seem to go through a cycle of one thing after the next breaks down and then a long period of working then to have one thing after the other break down. Still cheaper than a car payment every month on top of repairing it too.

Dh's commute car is going through that stage. Ug. We bought him a much newer car. Should have just plunked a rebuilt engine into his old commute car. Would have been a ton cheaper.
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post #16 of 24 Old 02-08-2016, 07:47 PM
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For back and forth to work, check out the electric scooters. Cost per day to run is about 25cents. They cost about $800 and up, maybe cheaper in US. They have pedals and are classed as a bicycle so no insurance is needed.



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post #17 of 24 Old 02-08-2016, 10:36 PM Thread Starter
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Saddlebag as much as I would love a scooter I am just laughing my butt off trying to think of how I could even get that thing up my driveway or down the road - Hwy speed limit is 55 on my commute, scooters don't go that fast - And my driveway really requires something with four wheels, I can get up it in a dirtbike but it is straight uphill and washed out with ruts all over the place. It's not easy to meanuever, especially when it rains. I am really good at getting up it in my car but there are still places where I slip.

Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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post #18 of 24 Old 02-08-2016, 10:37 PM Thread Starter
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My car is going to last a bit longer and I will save during that time - I am so just hoping it lasts long enough to get some decent cash in my pocket.
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Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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post #19 of 24 Old 02-08-2016, 11:05 PM
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If you can save up maybe $1000 for a down payment, then go try looking at used cars for around $10,000...talk them down some, put your down payment and your payments should be $200 or less a month. I bought a BRAND new car back in 2005, it was just a basic model stick shift pontiac sunfire. Literally brand new though, 28 miles....but an '04 model. I got it OUT THE DOOR for $11,000. I did have a few thousand to put down though, so my monthly payment ended up being like $220 a month. Hang in there, keep looking even while your saving...a great deal you can't pass up may appear.

Also how old are you? Your insurance rate sounds high. I'm 27, have my 2010 f-150 (just paid off), my husbands brand new 2016 mazda cx-5 AND my featherlite horse trailer all fully insured for $107 a month with USAA. Are either or your parents or any of your grandparents military? If they are look into USAA. Could you and your BF get on an insurance plan together? Then you guys may qualify for a multi-car discount.
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post #20 of 24 Old 02-09-2016, 01:06 AM Thread Starter
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Coming 22. I am sure it is just because my car's old and I'm young. It just baffles me though, even though my BF is older than me he still pays $160 full coverage and I'm 130 for liability. Lol.

I shopped around all night last night trying to figure something out, Geico can get me down to 104/month. I had USAA before but it was the same story. No family is military unfortunately.

Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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