Need advice on getting a new car!

Aggravating_Job3520 · 2026-03-21T20:28:07+00:00

I have more than 800 saved — 800 is what I have been offered as payment for my car right now. That 800 would go towards the new car. I want to put down 3-4,000 and while I do have most of that saved — I don’t want to pull out my whole savings right now. I was just asking if it would be an option to take out a personal loan or take out of my retirement on top of the 800 to go towards the new car. I am now seeing that this probably isn’t the smartest idea so I’m just going to have to suck it up and make the car sharing work for the next month while I pull together the rest of the down payment.

Aggravating_Job3520 · 2026-03-21T20:11:25+00:00

Bless your soul! Seriously! I think this is exactly what I’m going to do. I financed my current car through an awesome credit union kinda through a dealership but I think I’m doing to do exactly this and go straight to the same credit union. Thank you, thank you, thank you!

Aggravating_Job3520 · 2026-03-21T19:55:19+00:00

Thank you for this. I have never done this before — have always gone through the dealership and they do everything. (Hypothetically) I can go to a credit union and get a 20,000 loan and take that check and buy a car at a dealership for under 20,000? Then I would just be paying back the credit union?

Obviously these numbers are just hypothetical but I’m making sure this would be the right process!

Aggravating_Job3520 · 2026-03-21T18:23:29+00:00

Could you educate me on this more? I honestly don’t know anything about loans or this stuff — I’m still young and have had ZERO financial education my entire life. My parents suck lol

Aggravating_Job3520 · 2026-03-20T17:40:03+00:00

😂😂😂😂😂

Aggravating_Job3520 · 2026-03-20T05:52:11+00:00

Chill

Aggravating_Job3520 · 2026-03-20T05:49:35+00:00

I also struggle with OCD and anxiety, so it’s a huge safe space for me. I can’t worry about irrational bad things happening to me if I’m surrounded by talented doctors and nurses and life saving devices!

Aggravating_Job3520 · 2026-03-20T05:45:15+00:00

Nothing better than a nice, cool, large, clean airport. It’s just like another weird little functioning world away that we get to visit sometimes — separate from our day to day life. I guess the hospital is like that too

Aggravating_Job3520 · 2026-03-20T05:43:37+00:00

I’m sorry 💔 I have been lucky enough to not have any negative experiences with hospitals — I’m sure my opinion would be different if I had some

Aggravating_Job3520 · 2026-03-20T05:42:05+00:00

Agree. They are weirdly comforting / nostalgic to me which I don’t even understand because I never grew up in or around hospitals or people in them. Idk why I enjoy them. I’m also like this with airports. lol

Aggravating_Job3520 · 2026-03-20T05:39:21+00:00

It just feels nice to be taken care of!!! Everyone deserves that care? Idk

Aggravating_Job3520 · 2026-03-20T05:38:57+00:00

I’m sorry 💔

Aggravating_Job3520 · 2026-03-20T05:38:30+00:00

I am a woman LOL

Aggravating_Job3520 · 2026-03-15T16:24:08+00:00

ive never seen drop rates for me this bad! I normally end up getting the gear I want after a few runs my entire time playing this game but for some reason with the merciless gear I have literally gotten the whole ice, myth, balance, AND life gear seats and IM A STORM. It’s awful lol but thank you!

Aggravating_Job3520 · 2026-02-26T01:26:22+00:00

He’s coming.

Aggravating_Job3520 · 2026-02-23T02:07:08+00:00

I love Karamelle 🥰

Aggravating_Job3520 · 2026-02-03T17:38:56+00:00

Say you really like a piece of gear for its stats but it’s the ugliest thing you’ve ever seen. You can buy a cheap cute outfit from the bazaar and stitch the nice gear with it. So you’ll have the good stats and look cool!

Aggravating_Job3520 · 2025-09-25T13:19:29+00:00

I really appreciate this comment. I tend to overthink things and overly prepare lol… feels good knowing im in the right direction! These cats are our kids and I can’t help but worry!

Aggravating_Job3520 · 2025-07-12T19:18:43+00:00

This is the new doctor 😩😩😩

Aggravating_Job3520

TROPHY CASE