yact: suggestions

necine

Diamond Member
Jan 25, 2005
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I'm 20. I make about 250 a week. My monthly expenses are 200 for insurance and 200 for rent. I need to buy a new/used car. Mine's going to die soon. I don't have that much money in the bank.

My 89 Galant is going to die soon, and I can't afford to get it fixed all the time. I just spent like 300 bucks getting the alternator and some wires replaced.

I guess my budget is like 200/mo. Any suggestions on cars? loans? etc?
 

bonkers325

Lifer
Mar 9, 2000
13,076
1
0
do what my friend does. max out your credit cards and only pay off enough so that you stay under the balance, buy iPods for your friends, adopt like 10 dogs, travel to/from NYC just because "you feel like it" and only make $350/week doing 2 very mediocre jobs.
 

necine

Diamond Member
Jan 25, 2005
3,631
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Originally posted by: DurocShark
Learn how to fix it yourself. An alternator should have been an easy job...


I really am trying. Whenever I get my car fixed I always watch and try to help out. I just have zero experience with this. I don't even know how to do an oil change, but I'm really trying to learn.
 

necine

Diamond Member
Jan 25, 2005
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Originally posted by: bonkers325
do what my friend does. max out your credit cards and only pay off enough so that you stay under the balance, buy iPods for your friends, adopt like 10 dogs, travel to/from NYC just because "you feel like it" and only make $350/week doing 2 very mediocre jobs.

Yeah because that's smart. :confused:

He makes more then me though. LOL, may I ask what he does? I'd be happy making 350/week.
 

Atomicus

Banned
May 20, 2004
5,192
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Originally posted by: necine
Originally posted by: bonkers325
do what my friend does. max out your credit cards and only pay off enough so that you stay under the balance, buy iPods for your friends, adopt like 10 dogs, travel to/from NYC just because "you feel like it" and only make $350/week doing 2 very mediocre jobs.

Yeah because that's smart. :confused:

He makes more then me though. LOL, may I ask what he does? I'd be happy making 350/week.

Works at BB nightshift and PetSmart during the day. Over 40+ hrs a week
 

purbeast0

No Lifer
Sep 13, 2001
53,664
6,546
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Originally posted by: necine
Originally posted by: bonkers325
do what my friend does. max out your credit cards and only pay off enough so that you stay under the balance, buy iPods for your friends, adopt like 10 dogs, travel to/from NYC just because "you feel like it" and only make $350/week doing 2 very mediocre jobs.

Yeah because that's smart. :confused:

He makes more then me though. LOL, may I ask what he does? I'd be happy making 350/week.


I wanna hear you say this when you get a "real" job :p
 

Albis

Platinum Member
May 29, 2004
2,722
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250 / 40 = 6.25 :(

work more hours or find a job that pays slightly more?
 

Budmantom

Lifer
Aug 17, 2002
13,103
1
81
Originally posted by: necine
Originally posted by: DurocShark
Learn how to fix it yourself. An alternator should have been an easy job...


I really am trying. Whenever I get my car fixed I always watch and try to help out. I just have zero experience with this. I don't even know how to do an oil change, but I'm really trying to learn.[/q]



WTF?


And you call yourself a man??
 

Zysoclaplem

Diamond Member
Sep 26, 2003
8,799
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Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?
 

necine

Diamond Member
Jan 25, 2005
3,631
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Originally posted by: Albis
250 / 40 = 6.25 :(

work more hours or find a job that pays slightly more?


I make 10 hr. I would about 34 hours a week. Taxes * 1/4. Actually I make 300 a week. I forgot there still taking out medical and I dont have it... my boss just gives me the cash.
 

necine

Diamond Member
Jan 25, 2005
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Originally posted by: purbeast0
Originally posted by: necine
Originally posted by: bonkers325
do what my friend does. max out your credit cards and only pay off enough so that you stay under the balance, buy iPods for your friends, adopt like 10 dogs, travel to/from NYC just because "you feel like it" and only make $350/week doing 2 very mediocre jobs.

Yeah because that's smart. :confused:

He makes more then me though. LOL, may I ask what he does? I'd be happy making 350/week.


I wanna hear you say this when you get a "real" job :p


Yeah I do tech support for a small ISP. I also write proposals, do billing, get bills reduced, go to customers locations, dsl installations, networking. I really am beginning to think I'm underpaid. I've been applying at other jobs, no bites though.
 

Chelsey

Senior member
Dec 18, 2003
534
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If you're looking for a new car I highly recommend a Scion tC.

Do you have a college education? If not maybe that's something you should consider.
 

necine

Diamond Member
Jan 25, 2005
3,631
0
0
Originally posted by: Zysoclaplem
Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?


I have just about any tool necessary accessible to me. I have 2 uncles that are mechanics, and my father has just about any piece of equipment I need.

My Galant shakes alot and makes grinding noises. It's an automatic and only shifts if I take my foot off the gas. I really don't think it has much life left in it.
 

necine

Diamond Member
Jan 25, 2005
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Originally posted by: Chelsey
If you're looking for a new car I highly recommend a Scion tC.

Do you have a college education? If not maybe that's something you should consider.


I'm currently in college. I dropped out of Rutgers, and I now attend a local community college. I will have my A.S. in math by the end of this summer. I am looking at new universities to attend for my bachelors. I'm not sure what I will major in, possibly engineering, architechture, math... not really sure yet.

edit: new or used... doesn't matter. Something I can pick up for around 200/mo. I might have a long commute to university next year and I need something really reliable. You think I can get this car for 200/mo?
 

Zysoclaplem

Diamond Member
Sep 26, 2003
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Originally posted by: necine
Originally posted by: Zysoclaplem
Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?


I have just about any tool necessary accessible to me. I have 2 uncles that are mechanics, and my father has just about any piece of equipment I need.

My Galant shakes alot and makes grinding noises. It's an automatic and only shifts if I take my foot off the gas. I really don't think it has much life left in it.

Get a motorcycle. Just a cheap 2k motorcycle. That's what I plan to do the next time I am rear ended by some woman and it totals my car.
 

necine

Diamond Member
Jan 25, 2005
3,631
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0
Originally posted by: Zysoclaplem
Originally posted by: necine
Originally posted by: Zysoclaplem
Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?


I have just about any tool necessary accessible to me. I have 2 uncles that are mechanics, and my father has just about any piece of equipment I need.

My Galant shakes alot and makes grinding noises. It's an automatic and only shifts if I take my foot off the gas. I really don't think it has much life left in it.

Get a motorcycle. Just a cheap 2k motorcycle. That's what I plan to do the next time I am rear ended by some woman and it totals my car.

A motorcycle really isnt an option. I need a car for the winter months with a long commute.
 

Minjin

Platinum Member
Jan 18, 2003
2,208
1
81
Get a job closer to home. Ride a bike. Save money. Buy a used car with cash. Thinking in terms of being able to afford XXX/month for a car is the WRONG way to think.

Mark
 

necine

Diamond Member
Jan 25, 2005
3,631
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Originally posted by: Minjin
Get a job closer to home. Ride a bike. Save money. Buy a used car with cash. Thinking in terms of being able to afford XXX/month for a car is the WRONG way to think.

Mark

I can't because I have to commute to school. I NEED a car.
 

necine

Diamond Member
Jan 25, 2005
3,631
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Originally posted by: Minjin
So move closer to school. $2400 a year for car insurance is insane.

Mark


I'm 20 years old and I live in NJ. I'm going to look for a cheaper rate in a few months. But yeah, that was the lowest plan I could find 3 months ago. If I moved closer to my future school I'd pay alot more in rent. It's kind of a trade-off.
 

Rumpltzer

Diamond Member
Jun 7, 2003
4,815
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91
Originally posted by: necine
Originally posted by: Zysoclaplem
Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?
I have just about any tool necessary accessible to me. I have 2 uncles that are mechanics, and my father has just about any piece of equipment I need.

My Galant shakes alot and makes grinding noises. It's an automatic and only shifts if I take my foot off the gas. I really don't think it has much life left in it.
You have two uncles who are mechanics, and you spent $300 for an alternator and wires??

I drove a 1987 Chevy S10 until January or last year. It was 7 years old when I bought it and it had 70,000 miles on it. I had never owned a car before that. I immediately bought the Chilton and Haynes manuals for the truck. I later spent like $85 for the factory service manuals, and they were the best investment I've ever made.

I went through a couple of alternators, hoses, belts, wires, brakes, head gaskets, and all the routine stuff on that truck. The transmission let go in the middle of the New Mexican dessert, and I didn't fix that myself. Everything else was me.


If you really want a different car, you might tell us what kind of money you've got saved up and how much you want to spend.

If you're talking a new car, you might ask your parents if they'll co-sign a loan. I'm not sure anyone will give you a loan otherwise.

You might also consider a lease if you really need a car with low payments and plan to have a decent paying job in a few years. I usually don't suggest leases because I think it's a waste of money, but with someone in a low-income position that will be making better money later...

Good luck.
 

necine

Diamond Member
Jan 25, 2005
3,631
0
0
Originally posted by: Rumpltzer
Originally posted by: necine
Originally posted by: Zysoclaplem
Alternators are cheap and easy to install yourself.
With a few tools, some time, and some patience, you can do everything your car needs by yourself.
What known problems are there with your Galant?
What's the mileage?
What makes you think it's going to die soon?
I have just about any tool necessary accessible to me. I have 2 uncles that are mechanics, and my father has just about any piece of equipment I need.

My Galant shakes alot and makes grinding noises. It's an automatic and only shifts if I take my foot off the gas. I really don't think it has much life left in it.
You have two uncles who are mechanics, and you spent $300 for an alternator and wires??

I drove a 1987 Chevy S10 until January or last year. It was 7 years old when I bought it and it had 70,000 miles on it. I had never owned a car before that. I immediately bought the Chilton and Haynes manuals for the truck. I later spent like $85 for the factory service manuals, and they were the best investment I've ever made.

I went through a couple of alternators, hoses, belts, wires, brakes, head gaskets, and all the routine stuff on that truck. The transmission let go in the middle of the New Mexican dessert, and I didn't fix that myself. Everything else was me.


If you really want a different car, you might tell us what kind of money you've got saved up and how much you want to spend.

If you're talking a new car, you might ask your parents if they'll co-sign a loan. I'm not sure anyone will give you a loan otherwise.

You might also consider a lease if you really need a car with low payments and plan to have a decent paying job in a few years. I usually don't suggest leases because I think it's a waste of money, but with someone in a low-income position that will be making better money later...

Good luck.

My credit score is around 680. I can get a better APR without my father. I can qualify for any car loan sub-15k.

I was just looking around, and it seems I can pick up a 2000 (or thereabouts) Cavalier, sub-50k miles, for like 3k. I might just take this route.

 

necine

Diamond Member
Jan 25, 2005
3,631
0
0
Originally posted by: SampSon
Get a cheap used car.


I have a cheap used car and it SUCKS. If I can find a 2000 cavalier for like 3K, I think I'll just buy that.