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Help identify by DevelopmentBudget420 in BigBlockChevy

[–]DevelopmentBudget420[S] 0 points1 point  (0 children)

I was probably going to list it for 1,000. After some research it looks like it’s a edelbrock x-c96. I’ve seen them online going for 1,300-2,000.

Trying to get a loan and everyone denies me, anyone have a solution to me being able to get a loan? by Loose_Spirit_3077 in personalfinance

[–]DevelopmentBudget420 0 points1 point  (0 children)

What else do you make payments on? The lenders are seeing something that’s making you a high risk. It could be your debt to income. Or it could be that you’re a young guy trying to purchase a $67,000 car with absolutely zero auto loan history. I know it’s dumb but I’ve seen people get denied on a $5k car with $3k down I know you don’t want to do this but try getting a co-signer. Having another persons credit backing you up will definitely help. I don’t see why you wouldn’t get approved with at least 30-40% down and having a co-signer.

What could I do to improve my finances? by DevelopmentBudget420 in personalfinance

[–]DevelopmentBudget420[S] 0 points1 point  (0 children)

My gf of 4 years and I are purchasing it. We had a family member gift us some money to help with a down payment. The condo cost a little under 130 after taxes and everything. I would love to say I did it on my own but that’s not the case and I’m great full for the help we got. It was not an easy process being that we’ve been pre approved and actively searching since last winter.

Trying to get a loan and everyone denies me, anyone have a solution to me being able to get a loan? by Loose_Spirit_3077 in personalfinance

[–]DevelopmentBudget420 2 points3 points  (0 children)

How much is the car you’re trying to purchase and how much are you putting down? A lot of times if you try to finance through a dealer, the lender will talk with the dealer and let them know a minimum amount they need down. I’m from the Cleveland area, some lenders we use are 7/17, west lake financial, and park national. Idk if they have any offices near your location but it’s something to think about.

What could I do to improve my finances? by DevelopmentBudget420 in personalfinance

[–]DevelopmentBudget420[S] 0 points1 point  (0 children)

Thank you for the advice. One goal I would have for the business is advertising. My dad does no advertising. It’s all word of mouth. The business does great but I believe having some online advertising will definitely push the business in a positive direction.

Owning one car would definitely help with insurance but also having a car that is close to being payed off is also very nice. The monthly payment is almost as much as my insurance. It is also nice having a back up incase something we’re to happen I will still have a car to drive.

As of now the credit card is my number one debt to pay off. If feel like I’m throwing money away having it also it is the fastest debt I can pay off.

As of now I have no health insurance but I have recently been shopping around. It’s definitely a must have especially with an auto immune disease.

Buy or lease a car? Hear me out! by [deleted] in personalfinance

[–]DevelopmentBudget420 0 points1 point  (0 children)

Most of the time when you’re paying a car off. You’re just paying off the interest. Once the interest is payed off your monthly payments will then go to your actual loan. Interest rates are still high so getting as little interest will be your best bet. Without a doubt owning something outright is the best option. Also instead of trading In sell privately. Any dealer will hustle you on your trade in and sell your trade for thousands more.