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...:::.::. .::...:..
Moon Phase

May 2019
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Bruce [userpic]

This morning I was up early to have parts of my iris blasted by a laser, and since I was therefore up during normal work hours, I took my car in to have its tires rotated.

One of them is almost bald. They recommend an alignment, and, of course, I'll need two new tires.

I can't afford this. I just had to spend $440 to get the brakes repaired, and I don't know what's going to go next.

And, due to other expenses on my part, and a tendency to loan money to friends in need, I only have about $1,000 in the bank. My target to start shopping for a car is $3,000.

But if I continue the way I'm going, the expenses of keeping this car going are going to eat up anything I might be able to put aside for the next one.

My credit is, of course, pure shit. Not only do I have the recent foreclosure on there, but also my feud with MCI. It wasn't for a lot of money, but that doesn't really count. So my main option at this point is to go throw myself on the "mercy" of one of the "bad credit" cheap car lot people. And hope I can remotely afford the payments. Not that I couldn't afford those on $2,000, but the same car I could get for $2,500 from Craigslist is going to cost me more like $5,000 on a lot.

Otherwise, well...

I can't expect anything, because expecting that level of reciprocation from the world leads to madness. But if someone - anyone - out there is willing to loan me some money at no interest, to be repaid in 10 monthly installments, well, I'd be very, very grateful.

Also, if the various people that owe me money could find it in their hearts to go knock over a liquor store and repay me, that would be good, too.

Current Location: The Duplex
Mood: anxiousanxious

I wish I could, hon. Having had to wait 7 years for my previous defaulted loan to fall off the back of my credit history, I understand entirely too well.

If I had the money I'd happily lend it t cause I trust you but unfortunately my current financial situation is not looking good.

A little perspective, re: car, from someone who's nursed along a lot of crappy cars.

Your car is (mostly) a known evil. A used car--lot or otherwise--is an unknown evil with a starting cost of $N-thousand plus whatever you don't notice is wrong with it. $N-thousand buys a lot of tires and brakes, never mind the risk.

All cars use tires. Your prospective new car will too, though I suppose you get some extra tread for your money. Still, tires also don't cost very much, as long as you don't mind not having the latest and greatest sport tires. At least they don't compared to cars.

All cars also use brakes. They don't always cost $440 to fix, but sometimes they do. And your car has brand new ones, which means any other car will have worse.

All tire shops recommend alignment. It's a standard upsell. If the steering isn't pulling left/right, and if your tires aren't wearing significantly unevenly at just one side or the other of the tread*, you probably don't need it. But, if you do, all cars need that from time to time.

Point is, you won't be better off for consumables and periodics on any other car, aside from possibly resetting the clock. But a $2500 car of any type generally needs a bit of ongoing maintenance. It's likely going to be a very old Asian car, or an American car from that nasty mid-90s time period. The cars that don't require a lot of maintenance generally cost more money for the privilege.

Plus, while you're doing this, realize that you -are- getting value for your money, either in the sense of not having to deal with the hassle for awhile or in the resale value.

I recommend you take a deep breath, then keep going for your goal. Once you're close, start keeping your eye out for the rare -good- $2500 car and jump on it when you see it. Making a decision under fire or out of frustration rarely turns out well.

* If it wears in the middle or only on both sides, check your tire pressure.

Consider calling Calderon.

They deal in new & used tires and they don't charge for putting them on.