Here in my car...the same old car...
I could have a new car this very day.
But I'm not going to.
Last night I visited the dealer who's been helping me, and who I must say has been very up-front and non-pressuring. I wanted to get some figures so I could make a decision regarding whether to finance through the dealer or get a loan from my credit union.
Happily, not only was I actually approved for financing with a not-too-horrible interest rate (something I was by no means sure of) but my credit score is not so bad, especially considering it'll only be four years in February since my bankruptcy.
But today I went back over my budget, and decided after much angst that now is not the time for a new car. I could afford it, but I'd be stretching myself past where I'm comfortable and that is exactly how I got into financial trouble in the first place. So I'm going to wait, probably for at least a year.
But just watch...now that I've made this responsible, cautious, non-impulsive decision, my current car will go totally belly-up in two months. But hey...if it does, at least I know I can get a new one.
But I'm not going to.
Last night I visited the dealer who's been helping me, and who I must say has been very up-front and non-pressuring. I wanted to get some figures so I could make a decision regarding whether to finance through the dealer or get a loan from my credit union.
Happily, not only was I actually approved for financing with a not-too-horrible interest rate (something I was by no means sure of) but my credit score is not so bad, especially considering it'll only be four years in February since my bankruptcy.
But today I went back over my budget, and decided after much angst that now is not the time for a new car. I could afford it, but I'd be stretching myself past where I'm comfortable and that is exactly how I got into financial trouble in the first place. So I'm going to wait, probably for at least a year.
But just watch...now that I've made this responsible, cautious, non-impulsive decision, my current car will go totally belly-up in two months. But hey...if it does, at least I know I can get a new one.