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Started By
Message
How would you advise a genuinely broke person regarding buying a car?
Posted on 5/30/17 at 2:42 pm
Posted on 5/30/17 at 2:42 pm
Person has zero dollars. Person has zero credit. Person has a paying job, but has recently lost transportation. Almost zero family resources. None of the family has an extra car, or can really help drive back and forth to work...
What option is there other than getting ripped off purchasing something with a ridiculous interest rate...
What option is there other than getting ripped off purchasing something with a ridiculous interest rate...
15
Posted on 5/30/17 at 2:46 pm to AUjim
Posted on 5/30/17 at 2:51 pm to AUjim
how far is work?
Posted on 5/30/17 at 3:06 pm to AUjim
Public transportation for a few months until cash saved up!
This world is going to shite because so many people lack common skills like initiative and personal responsibility.
This world is going to shite because so many people lack common skills like initiative and personal responsibility.
Posted on 5/30/17 at 3:21 pm to AUjim
If work is close enough get a bicycle. Zero dollars isn't much help.
Posted on 5/30/17 at 4:32 pm to AUjim
Sounds like they need to hit Goodwill and get a 10 speed.
Posted on 5/30/17 at 4:44 pm to AUjim
Unfortunately, if they don't have any cash or anyone to help them out at a reasonable rate - taking a loan at a terrible interest rate is about the only option here.
Poor people get railed during times of desperation. What kind of people do they know? Would something like gofundme be a decent option for them to get $1000 for a beater?
Poor people get railed during times of desperation. What kind of people do they know? Would something like gofundme be a decent option for them to get $1000 for a beater?
Posted on 5/30/17 at 6:14 pm to AUjim
Bike.
Posted on 5/30/17 at 6:38 pm to AUjim
If I liked them I would buy the car they need and sell it to them with owner financing at a reasonable interest rate.
Posted on 5/30/17 at 7:03 pm to AUjim
Does this person have cable/cellphones/any other monthly expense that can be cut? Sell any non-necessities on Craigslist. Scape together any other cash. Buy a beater. Deliver pizzas in the beater for extra cash. Sounds like this guy needs a Dave Ramsey book.
Posted on 5/30/17 at 8:30 pm to AUjim
Save up and pay cash for a shite car
Posted on 5/31/17 at 7:18 am to AUjim
Find another job closer to home that doesn't require a car.
Posted on 5/31/17 at 8:46 am to AUjim
I assume he lives in the semi-rural Deep South, since in most other parts of the country he could rely on public transit. He needs a short term solution while he works on the longer one: he needs a carpool, stat. Ask around at work, or in the building, or at nearby businesses. He may be able to walk/bike to a pickup spot, where someone going in his direction will take him the rest of the way to work. Think of it as "assisted hitchhiking". Depending on his locale, he might find a carpool through craigslist or social networking. A post on FB describing his route to work w/a request for friends/family to share might generate a ride....
Which brings us to the longer term solution. He needs to cancel all non essential repeating bills: landline, cable, whatever else he's paying every month that's not utilities/rent/heath insurance/food. Then he needs to find supplemental work...he's not going to make this happen on his primary income, so he needs a side hustle. Bartender, grass cutting and weed pulling, tutoring, swimming lessons, odd jobs/carpentry, house or office cleaning, pet sitting, etc. There are a slew of things you can pick up to make a little side cash.....plus, everyone in the household needs to be contributing. Significant other, kids old enough to work: no one should be sitting on the couch, everyone should be contributing to the support of the household during this push to re-establish reliable transportation.
Many of us have been in this situation, and we often pulled through with a combination of busting azz and a little help from friends. We also learned to spend carefully, to trade wants for needs, and to help out others who might be in a similar spot. You sound like you might be in a position to help him a little bit--
Which brings us to the longer term solution. He needs to cancel all non essential repeating bills: landline, cable, whatever else he's paying every month that's not utilities/rent/heath insurance/food. Then he needs to find supplemental work...he's not going to make this happen on his primary income, so he needs a side hustle. Bartender, grass cutting and weed pulling, tutoring, swimming lessons, odd jobs/carpentry, house or office cleaning, pet sitting, etc. There are a slew of things you can pick up to make a little side cash.....plus, everyone in the household needs to be contributing. Significant other, kids old enough to work: no one should be sitting on the couch, everyone should be contributing to the support of the household during this push to re-establish reliable transportation.
Many of us have been in this situation, and we often pulled through with a combination of busting azz and a little help from friends. We also learned to spend carefully, to trade wants for needs, and to help out others who might be in a similar spot. You sound like you might be in a position to help him a little bit--
Posted on 5/31/17 at 8:48 am to AUjim
There are some lots around here that do 0% financing...They are POS cars and you cant negotiate the price which is ~$1000 over retail. I am sure there is a dealership around there that does it.
Posted on 5/31/17 at 5:03 pm to AUjim
Get a motorcycle and save up for a car.
Posted on 6/1/17 at 2:39 pm to AUjim
It sounds like this person can have his buddy AUJim hook him up with an Uber ride whenever needed. AUJim would likely help this friend reimburse him accordingly.
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