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what the hell do i do now?!?!?!


badassfocus1101
02-26-2006, 12:19 AM
ok well...here it goes.

about 3 weeks ago my fiance's 01 focus se broke, differential came out. so i was forced to call off work for about a week. we needed a car to drive, so we knew our taxes were comin soon, we were gettin over 1500 back, so we went to a local ford dealer and talked to a saleswoman, got approved for a sebring 2004 LX, well our downpayment HAD to be 1250.00!!!! soo we had planned on payin off 4 credit cards when we got our taxes back. we have 7 total! plus verizon wireless bill and a nextel bill! so we just said F it,and got the car, 1250 down, 250 down for insurance, so there goes 1500 bucks, well my boss told me a couple days b4 to make a schedule that i can go by, so i did,i had my truck we could drive for a short while, has no exhaust and oil pressure drops, so i dont much like driving it, well she works bout 30 miles away,i work bout 22 miles away and she goes to school full-time,bout 25 miles away, so i had to have a schedule to meet my needs and times, so i made it gave it to him,he called me back the next day and says, aw well i cant do this, (after tellin me to make one!) i can only give you 6 hours a week! so i said ya know what, thanks for ruining my life, i just got a brand new car and now u say you can only give me 6 hours a week? well he stutterd around and kinda blew me off, so i said F it, i quit, and now im tryin to find a job, i got bill collectors callin me out the ass! car payment comin up april 1st,insurance next month. cell phones due, need gas and ciggerettes, not to mention FOOD caz im fat! my fiance is workin as much as she can, she only works sat & sun 6am-2pm, 8$ /hour... so thats all the money comin in that we got.... so she has picked up 4 shifts this week,tryin to get more money. n so my stress comes in caz im the man...ya know im posed to be the one workin my ass off to pay the bills.. and i cant find a job i dont have any way of getting money. i can tpay the bills, i cant even buy her things like i used to... car payment is comin up along with insurance and im affraid that i aint gonna have the money to pay that and if i dont have the money to pay them the cat wil get repoed. there goes all the time i invested in building my credit.and hers. if i lose the car she will lose her job and she will get kicked out of school... guys i just dont know what to do! i mean ive had some shit happen to me in my life, but i always had a way to get out of it, well i finnaly found something that i cant get myself out of! and now i dont know what the hell im posed to do! im kinda ruining both of our lifes.. i mean the stress is so bad i cant even sleep anymore.....

imtheoneandonlyD
02-26-2006, 03:24 AM
So let me get this straight. You have SEVEN credit cards that you OWE money on, but instead of paying them off you bought a car which adds MORE dept to what you already have? You dont NEED cigs, learn what priorities are. Atleast you had a job, its better than nothing even if you arent getting hours. Should have just kept it until you found a new one. But i guess that doesnt work for everyone.

I would have paid off my debt before creating more.

badassfocus1101
02-26-2006, 07:08 AM
well as i said, we had planned on it. but with no car.....i woulda never even been able to get to my old job...

G-man422
02-26-2006, 07:25 AM
well, good luck w/ all your credit cards. at least you wont have to wory about the car anymore.

quteasabutton
02-26-2006, 08:27 AM
why the hell do you have 7 credit cards? do you even understand how they work? it's not free money, you have to actually pay them back. and why would you buy that car? seriously, how fucking stupid. you complain about not being able to afford stuff and buy things for your gf and then you go and buy a car you're not even close to being able to afford. since your car broke, find a job closer to home or ride the bus. buy a cheap, older used car instead. you don't need a pretty new one, especially since you're soooooo far in debt. why don't you try calling a debt conselour or something to help you with this situation. you're clearly not making good choices on your own. good luck with your situation tho, not having enough money is never good.

nissan_240sx
02-26-2006, 08:43 AM
shoulda bought a cheaper car dude, good luck

badassfocus1101
02-26-2006, 08:47 AM
no see none of you will take the time to understand.... we werent doing bad when i had a job...i was only getting 30 hours a week...and that was fine..my boss promised me if i made a schedule he'd go with it...well he didnt, he fucked me over... thats why im in this situation... if i had my job with atleasy 26 1/2 hours....id be fine! and yes i do understand how credit cards work... and no shit you have to pay them back...hints the word CREDIT....all it is is a loan on a plastic card....and i had 7 because its an easy way to build your credit really good. and i was fine with that.

quteasabutton
02-26-2006, 08:58 AM
well it was a nice try. but being in debt does not help your credit score. i say sell the new car, use the extra money from the sale to pay of the credit cards and anything else you owe for the car or w/e and make better decisions in the future. why blow all your money, what happened to saving...:screwy:

03cavPA
02-26-2006, 11:15 AM
shoulda bought a cheaper car dude, good luck

Yup, that was the first thought I came up with. There are plenty of good, inexpensive used cars all over the place.

7 credit cards? That's just flat wrong. That is THE shittiest way to build credit there is.

Time to take a step back and trim every ounce of fat out of your living expenses, then call a credit couseling service, and get some help ASAP.

skibum1111
02-26-2006, 11:16 AM
I gotta laugh. Since the romans ended the practice of enslaving people in debt, credit card companies have gotten ruthless in some of their tactics to get people to use their cards. I have one, and only one card, hardly ever use it, pay all the bills on time, paid my car off early, now my wife and I are looking for a house. The first thing the mortgage people said to us was eliminate all credit card debt. Then they asked how much we were paying for car payments. Then they looked at our credit score, also told us that its as high as it is (800) because we pay everything on time and don't have a pocket full of plastic. Eliminate the credit cards, trade/sell/burn the car to get out of the payment, buy something cheap and live within your means. I make $60k a year, my wife makes $30k a year, we live on $40k and bank the rest. I do hope you can get out of the jam you are in, if not try consumer credit counseling, they will stop the calls, lower the interest rates, not sure if they can stop repo man....

YogsVR4
02-26-2006, 12:27 PM
and i had 7 because its an easy way to build your credit really good. and i was fine with that.

It thats how you think you can build good credit, I've got this bridge to sell you.... :shakehead













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Oz
02-26-2006, 06:47 PM
It's quite simple - liquidate ALL of your assets, pay off as much as you can. Try not to declare bankrupt, it will majorly fuck you.

Get a job closer to home, start from the bottom again and work your way up.

Oz
02-26-2006, 06:48 PM
no see none of you will take the time to understand.... we werent doing bad when i had a job...i was only getting 30 hours a week...and that was fine..my boss promised me if i made a schedule he'd go with it...well he didnt, he fucked me over... thats why im in this situation... if i had my job with atleasy 26 1/2 hours....id be fine! and yes i do understand how credit cards work... and no shit you have to pay them back...hints the word CREDIT....all it is is a loan on a plastic card....and i had 7 because its an easy way to build your credit really good. and i was fine with that.

How fucking naive were you not to prepare for these fantasies your boss "promised" you never happening?

BleedDodge
02-26-2006, 07:02 PM
Next week you'll be in here telling us that the trans went in that Sebring you just bought.

Why would you buy another car instead of fixing the one you already have? You could have had the diff fixed with that money you used on the downpayment for the new car.

Best of luck with all that.

badassfocus1101
02-26-2006, 07:55 PM
ya know out of all these posts ive had maybe 5 good people,the rest of you are strait fuckin dickheads. ur posed to be here to help not be a ass. close this damn thread. just shows how many good people are on this forum! shut up and close this thread.

imtheoneandonlyD
02-26-2006, 08:41 PM
There is a difference between being and asshole (or dickhead) and being honest. If you came here for sympathy and someone to hold your hand its not going to happen.

Honestly SEVEN credit cards is OVERKILL x 2. I have one, and dont need/want another.

I agree with bleeddodge, why buy a new car instead of fixing the diff. on the focus?

93rollaracer
02-26-2006, 08:56 PM
ya know out of all these posts ive had maybe 5 good people,the rest of you are strait fuckin dickheads. ur posed to be here to help not be a ass. close this damn thread. just shows how many good people are on this forum! shut up and close this thread.

Well...you fucked up. What do you want us to say? "Congratulations, you're an idiot?"

imtheoneandonlyD
02-26-2006, 09:49 PM
Well...you fucked up. What do you want us to say? "Congratulations, you're an idiot?"


We need the little smiley guys for that one. Like the "this thread is useless without pics" but "congratulations, your an idiot" instead. That would be sweet.

Oz
02-26-2006, 10:23 PM
As long as you keep blaming others for your problems, and having tantrums, and not managing stress well you won't get anywhere....

Oz
02-27-2006, 12:20 AM
Lame. Closed.

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