Reply to Can't Afford to Drive My Car. What Should I do?

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Reply to "Can't Afford to Drive My Car. What Should I do?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]How much is your insurance?
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about $250/month with full coverage  :( [/quote]

JFC. DH and I combined is $400 for 6 months in Virginia (we're 29). How many accidents and speeding tickets do you have? [/quote]

You don't know how old he is, and being married brings your rates down a lot. Rates for a young single male are really high.  Stop piling on him, it's not going to make him respect what you say more if you try to make him feel like crap.

OP, I hope you hear what people here are saying, don't discount our advice because some of us can't help but be sanctimonious and condescending.

Yes, your car is very expensive and the best thing to do would be to sell it.  Even if it's at a loss.  What's the point of a cool car if it keeps you in debt and costs so much to fill up that it's not even fun to drive anymore.

So, if you sell that car for $17K and buy a used Civic or  something like that for 5K, you will have an affordable car and now you only owe 8K.  Payments for 8K for 48 months at 4% are going to be $316, so that saves you $200 a month right there.  A Civic will cost less in maintenance, gas, and insurance as well.  True, it's not as sexy as a Challenger, but you know what's more sexy than a car?  A good bank account that will eventually get you out of your mom's house.
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