Loans & Cars
Over the weekend my mom informed me that her parents gave her a gift in money form, to purchase a new car which is pretty awesome. However she wont stop telling me about how awesome it is. It's as if she wants me to be proud of something she didn't even work hard to get. Yeah, I'm happy for her because she got laid off and didn't really have the money to spend on a new car but at the same time the way she goes on about it is fairly irksome.
I called her today and mentioned how I'll have to take out a car loan soon for myself but that I'll need a consigner and she told me that neither she (my mom couldn't anyway) nor my father could cosign. Their credit is bad enough and they can't afford to risk not being able to cosign for my sister's school loans. Okay, valid excuse but basically my mom just kept coming up with excuses as to why I don't need a new car which was ever more frustrating seeing as she hasn't been in the thing for five years or so. The transmission is shot and is only getting worse, every day at this point it seems. Although today it was a good day.
It's not like I need a car right this very second but I'm pretty worried that it wont last to the end of the year. More importantly, I know that it's going to be a bitch to try and drive it in any form of precipitation, especially snow and ice. It's very difficult to handle even in rain. And while busing is an option sometimes, I can't rely on that every day mostly on work days. If I don't have a car for work it'll limit my hours at work if I have to rely on the bus schedule.
So the option, the only option I can think of right now is to trade in my car and pay for the rest with my loan that was reserved for school. Which would be pretty cool because then I wouldn't be taking out an additional loan and I wouldn't have to worry about car payments. But then I wont have that money to pay for rent which would in theory be okay as long as I can maintain 30 hours or so a week at work without taking any time off for a long time. It would mean managing my budget to the penny and most likely living paycheck to paycheck. It's a tough choice.
Other than all the car drama, classes are good and busy.
I called her today and mentioned how I'll have to take out a car loan soon for myself but that I'll need a consigner and she told me that neither she (my mom couldn't anyway) nor my father could cosign. Their credit is bad enough and they can't afford to risk not being able to cosign for my sister's school loans. Okay, valid excuse but basically my mom just kept coming up with excuses as to why I don't need a new car which was ever more frustrating seeing as she hasn't been in the thing for five years or so. The transmission is shot and is only getting worse, every day at this point it seems. Although today it was a good day.
It's not like I need a car right this very second but I'm pretty worried that it wont last to the end of the year. More importantly, I know that it's going to be a bitch to try and drive it in any form of precipitation, especially snow and ice. It's very difficult to handle even in rain. And while busing is an option sometimes, I can't rely on that every day mostly on work days. If I don't have a car for work it'll limit my hours at work if I have to rely on the bus schedule.
So the option, the only option I can think of right now is to trade in my car and pay for the rest with my loan that was reserved for school. Which would be pretty cool because then I wouldn't be taking out an additional loan and I wouldn't have to worry about car payments. But then I wont have that money to pay for rent which would in theory be okay as long as I can maintain 30 hours or so a week at work without taking any time off for a long time. It would mean managing my budget to the penny and most likely living paycheck to paycheck. It's a tough choice.
Other than all the car drama, classes are good and busy.