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Message
re: Bad credit auto loan, big down payment
Posted on 2/27/14 at 8:10 am to Teddy Ruxpin
Posted on 2/27/14 at 8:10 am to Teddy Ruxpin
quote:
Not that it matters but what this thread is about revolves around consumer psychology.
quote:
My psychology...
(Let me preface with this is not aimed directly at you Teddy, you just brought up the psychology aspect)
And this right here is why making these threads is a waste of time. Regardless of how simple the OP's question is, a bunch of people that have completely different priorities will come in and basically call the OP stupid with his money blah blah blah and try to change his mind based off how THEY feel.
These threads would go a lot smoother if people would just answer the question asked. I'm sure everyone saying it's a bad financial decision has some hobby that they blow money on that would be better spent or saved elsewhere.
This is just my opinion, and I'm sure I'll get blasted for it.
3
Posted on 2/27/14 at 8:18 am to LNCHBOX
quote:
This is just my opinion, and I'm sure I'll get blasted for it.
Nope, I agree with it 100%. It is nice to hear other perspectives on matters though. When you ask for advice on here you kind of have to weed out the people that advise on things that have nothing to do with your situation. It happens almost every time.
Posted on 2/27/14 at 8:24 am to LNCHBOX
quote:
This is just my opinion, and I'm sure I'll get blasted for it.
Ya, I mentioned in a previous post that I don't particularly mind that he wants to blow money on a car, everyone has something they should enjoy. My issue was in his OT thread on this same subject involved his bankruptcy coming off his report this summer, and I couldn't wrap my head around going through all this trouble with banks/dealers that could be a lot easier 6 months from now. I'm lazy and would go that route
Eta: I also believe that OT thread actually mentioned the routes he'd have to go if he wanted it now, so I figured I could talk about whatever in this one.
This post was edited on 2/27/14 at 8:31 am
Posted on 2/27/14 at 11:46 am to LNCHBOX
quote:
(Let me preface with this is not aimed directly at you Teddy, you just brought up the psychology aspect)
And this right here is why making these threads is a waste of time. Regardless of how simple the OP's question is, a bunch of people that have completely different priorities will come in and basically call the OP stupid with his money blah blah blah and try to change his mind based off how THEY feel.
These threads would go a lot smoother if people would just answer the question asked. I'm sure everyone saying it's a bad financial decision has some hobby that they blow money on that would be better spent or saved elsewhere.
This is just my opinion, and I'm sure I'll get blasted for it.
I could not possibly agree more with your statement. There were very few people that tried to answer his question, just wanted to change his mind. BTW OP i would expect a rate between 8-12%.
People buying new and/or expensive cars on MT board get blasted as much as able bodied people on welfare gets blasted on the OT.
EVERYONE has something they spend money on that someone else thinks is wasteful. The point about finding your balance between saving for the later years versus spending too much now is a great argument. You need to prepare for living well at a old age but you also need to enjoy the younger years of life.
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