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[quote=Anonymous][quote=Anonymous]You have two choices:
-continue to spend $200 a month on car repairs,
-or, buy a car and spend $200 a month on it. (170 on car pmt, 30 avg monthly on maintenance)

1. Compare your 2-3 closest credit unions for their used car rates. Try the join the best one. 
2. Get a loan approval. Keep it modest. 
3. Start the car buying process, envisioning that car that will give you almost two decades again.

I truly want to help you, so if there is an issue with the above plan, speak up. From my perspective it’s a great plan. Sucks to start a loan, but, the key is trying to get as low of a payment/interest as possible. [/quote]

Me again. 
I believe in prayer and will say one for you. 
I’ve hsd miracles happen with car issues. Needed a car because a second child was coming. The one great car we had was totaled in an accident!! But then, we received in value more than we assumed/expected; and we found a great deal on a used car that would fit the second kid. Because no one was harmed in the accident, and even the insurers called it ‘no one’s fault,’ I like to think it was a necessary miracle for our poor situation at the time.

That was 3-4 years ago, and life has changed a lot. That car is almost paid off, early. [/quote]

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