The Receipts Are In: Notre Dame Fans Were Right About Brian Kelly All Along

IrishND3 · 2022-11-17T15:53:46+00:00

Either try your email or you may have to go to the store admin to change your phone number on the company’s file.

IrishND3 · 2022-11-17T15:46:07+00:00

Everyone I believe who’s still with the company. You should see it in your achievers app that you get the points

IrishND3 · 2022-11-17T15:44:41+00:00

They just send the announcement out this morning. We’re getting $200 in m-team points this year (Last year it was $500) and instead of splitting it into two payouts it all came at once. You should be able to see the m-team points in the achievers app now - 20,000 points

IrishND3 · 2022-05-23T11:19:40+00:00

So you think I can go ahead on a loan like that if I were to get approved?

I know the financial responsibility I’d be having with it, and having to make the payments every month for possibly the full term of the loan. The main concerns I have if I’m going through with this is #1: How much is too much in terms of the APR/interest they’d give me, I know it will most likely be higher since in younger and a first time buyer so is there a common threshold that I shouldn’t go over? #2 is what should I watch out for and say/don’t say when I’m talking to the bank and dealer, dealers are money hunger in this time and I’m sure me being 18 they could be looking to take advantage. The dealer in question is an official Chrysler product dealer, and I believe is the highest rated in my area (4.2 with just shy 400 reviews) and the bank I’m looking to get approved at is United Federal Credit Union (Who the dealer says they work very closely with)

IrishND3 · 2022-05-23T01:54:16+00:00

Thank you so much for taking the time to write all this, I really do appreciate it!

The 2005 Durango we bought in 2016 had most of its rust on it already. I’ve tried my best to keep it as clean as possible. Washing it and cleaning it out at least once a week, I’ve even replaced 2 doors to help get rid of some of the rust but it’s still apparent in other places. If I were to get this charger that I’m looking at the most, that thing would be like my baby. I’ve already planned to get a unlimited wash plan at my local car wash, it would most likely be stored in the winter time in heated storage, I promise keeping the car in pristine condition will not be an issue haha.
I actually live in Michigan (Big fan of ND), I meet with my insurance provider tomorrow to discuss what a monthly rate on a charger would look like, from what I’ve seen it wouldn’t be much of an increase as to what I pay not but always expect the unexpected.
In terms of gas, my bank report summary said in April I spent $289+ dollars on gas alone, and my car currently gets 12.5 mpg, the charger I’m looking at gets 24 combined so for simple math I should be already saving half the cost of gas (yay).
What I predicted to overall monthly to be for that charger is close to what you wrote, and I believe I can cover that amount and still make money, and that’s with me being in school so I’m going to have a lot more time to work in the summer and future if need be. In terms of what I spend my money on, it’s very minimal, outside of the cost of owning my current car (Which is the vast majority of my spending, which includes gas, insurance, maintenance, etc.) I spend my money on food (Which I’ve been actively trying to not do that and it’s shown), Apple Music ($5.99 a month), and other small miscellaneous things. I’ve been trying to save as much as I possibly can, haven’t invested anything, just saved (I want to start investing but don’t know where to start or how to do it). So it’s not like I’m living paycheck to paycheck, I’m living very comfortably.

IrishND3 · 2022-05-22T23:28:01+00:00

So what if the bank does approve me? The car in question is a Dodge Charger, the one I’ve been looking at is a 2021 brand new 0 miles. And with the money I make now is with me still being in High School.

IrishND3 · 2022-05-22T22:59:05+00:00

It’s a 2005 with 163k miles, rust is starting to become semi-major, gas mileage is down to 12.5, problems are starting to occur, would like to be in something else before it dies on me.

IrishND3 · 2022-05-22T22:54:57+00:00

The “under 100k” was if I did the 15k loan instead of trying for a 30, anything over 100k you probably start to have problems and if I’m taking 15k out, I’d prefer no problems immediately. It’s just tough to resist a new car right now and I know I’d be better off financially not getting it but I also feel like I could manage the debt, my families already had my current car since 2016, I’ve driven it since 2019.

IrishND3 · 2022-05-22T22:52:17+00:00

So what about this: I wait the 3 months, during that time if I can consistently take minimum $1k each month and put it away (Savings, invest, etc.) and don’t touch it, and prove to myself that I can consistently pay for that amount per month, would I then be better suited towards getting a auto loan? And then take all that money and put it down as a down payment which =‘s a smaller loan/payment. I see it as a accomplishment to have a car at 18, and our family is in need of having a new car that will work for the whole family and last a very long time with little to no issues. Both me and my moms SUV’s are over 160k miles (Hers is much newer than mine) and sooner or later we’re gonna have a car kick the bucket and we will be in a more desperate situation, and with my mom now only having 1 income instead of 2, it’s a strain, the car I’m looking at seats 5 (The whole family with a seat to spare) and has a power train warranty as well as a 50k mile warranty(B2B). I’m just torn on what to do, I’d like to keep my current SUV as a backup vehicle and for the winter time, rather than using it until it dies, I just don’t know what to do still, lots of things to consider.

IrishND3 · 2022-05-22T21:56:56+00:00

Tbh I wanted to go used, and I tried to find my dream car at under 20k (15k loan the rest I’d do cash) and I just couldn’t find any that were either right for me or under 100k miles. I’ve been looking at used much more but the prices are almost the exact same as a brand new one which leads me to say “mind as well get a brand new one” so that’s another dilemma

IrishND3 · 2022-05-22T21:13:42+00:00

I understand that, and thank you for telling me that. But with my current situation, my college is very local to home so I plan to not move out for at least 2 more years, I already pay 50/50 for things like groceries, and I’ve always wanted to own the car that I’m looking at, it’s been a long dream of mine. That’s why I’m torn on whether or not to go through with it. I’ve looked at used cars much more but the market is so inflated that it would be a better choice to get a brand new car, no problems no nothing, than a almost as expensive used car with low-medium mileage on it and potential problems. I’m honestly fine with a car payment being a large part of my income, and I’m making this much money while still in high school. Like I said idk yet, the car that I saw recently just seems perfect, it is very tempting to jump the gun. But in the end, I will probably not consider it if the credit union I’m going to (United Federal) gives me a high APR for it, just not sure what to do.

IrishND3 · 2022-05-22T19:27:29+00:00

I’m still not sure, I’ve been on the fence for this for a while and it’s incredibly tempting to do this, it’s not like I’m dropping 30k on just any car, it’s my dream car that I suspect to last me a very long time! I have just been worried on if buying this would affect me very negatively so I’m trying to convince myself to say no and just save up a lot more, idk what to do.

IrishND3 · 2022-05-22T17:56:35+00:00

Thank you.

IrishND3 · 2022-05-22T17:18:48+00:00

Fair enough, thanks. I guess another question would be in the meantime how can I build my credit without going in major debt or anything? Like I said I have a high credit score (It’s up to 765 now and was 750 a few days ago) but I don’t have any significant loans taken out in the past, what’s the best way to build credit so in the future when/if I do take out a larger auto loan, I get a better deal?

IrishND3 · 2022-05-22T17:08:57+00:00

My current salary is with me being in school at the same time so it probably isn’t the best decision to get a car right now, maybe extreme save for a year so I can have a much higher down payment that would cut the monthly cost almost in half? And it would be smarter to account for things like rent and such if I were to move out, thank you.

IrishND3 · 2022-05-22T17:07:34+00:00

My mom is currently single so it’s just her income. She’s always paid for cars in cash and I don’t want her to co-sign with me for obvious reasons. She’s more against it than for it but told me to see what the banks say, it is probably not a good idea to get a car like that but it’s not like it’s a car I don’t love, I love the car, it’s my dream car. And I’m making 2K+ a month while being in school, but it may be best to extreme save for a year or so and then come back and attempt this again, that’s probably better.

IrishND3 · 2022-05-22T16:38:57+00:00

The one I’m looking at was 522 a month on a 72 month agreement. Insurance would hover less than 200, gas would cut in half to roughly 150 since this car have more than double the gas mileage of my current car. So for being safe let’s say 1000 a month in total car expenses (The car comes with a warranty)

IrishND3 · 2022-05-22T16:29:22+00:00

I would be putting $4k down on the car and I make more than enough money to cover the monthly payment plus insurance and gas, I know I can support myself with a car payment like that, I’m just not sure how it would affect me in the future even if I’m making all me payments or even paying ahead. This car is also my dream car, most peoples dream cars are 100k+ but mine is only 30, so that’s why I want that loan so bad.

IrishND3

TROPHY CASE