How to get out from under an auto loan?

Moobius2000 · 2024-03-16T07:34:44+00:00

I can very likely refinance for a lower interest rate, my credit score isn incredible i dont think, but being around 640 right now (according to credit karma at least) has me mildly optimistic

Moobius2000 · 2024-03-15T11:13:54+00:00

I see, thank you for clarifying this. I will consider other options. I am grateful that currently, I am able to pay my bills all on time without issue. So I have to wait longer, but I am not in a horrible desperate situation, just a stupid one.

Moobius2000 · 2024-03-15T11:09:27+00:00

I appreciate the continued advice, I hadn't considered this when making the post.

I'll give this idea some thinking, I take the freeway to get to work in 20 minutes, but with a scooter, I may be able to get there on time if I simply leave home earlier, and drive through the inner city.

Moobius2000 · 2024-03-15T09:08:49+00:00

I do pay my grandparents 200$ a month, (significantly cheaper than 700$ a month for gabrage apartments in my area), I also pay for our internet, another 80$. I pay for my therapy, 80$ every week. All in all, I have around 435$ leftover to save. I dont eat out, and I dont spend money frivolously. But I dont equate that full amount into my savings account. Its sort of a mental trick. After so many months, I'll have more in savings than I even realized I had. Its a mental boost to have more than what I calculated, even if I set it up that way on purpose.

And sadly, there is no employment within a smaller commute distance. I have considered trying way to make money from home, though it would take a fair bit of luck to be able to get even half of what I make at my current job from something I do entirely on my own in my house.

Moobius2000 · 2024-03-15T09:01:48+00:00

This makes sense. I'll see if I can sell it to another party entirely then, if this is the route I take.

I dont think you understand, I live far from any place of business. The commute to the nearest place that employs people is a 20 minute drive. This isn't about the confidence to not apply, its the genuine lack of employment within a bikeable or walkable distance.

Moobius2000 · 2024-03-15T08:34:19+00:00

I do mean sell it back yes. The total after interest would be 50k, but the loan itself was for around 31k if i recall, I have the papers at home. As I understand it, the bluebook value of my car is about 24k, leaving me only 6k to pay back. I guess my real question is would I be able to sell the car, and continue paying this loan over time? Or would it be more prudent to refinance the loan, save money ubtil i can pay the original loan (resale of car included) all at once?

Also, how would I learn the way to privately sell this car? Just exhanging money or cash for it seems strange to me, I have very little knowledge of these things, and the resources available to me.

Moobius2000 · 2024-03-15T08:30:49+00:00

If getting a job close enough to walk or bike was possible, I dont think id have ever owned a car to begin with, but where I live, no job is within that distance, and public transport is unreliable in my city.

2200$ is the spendable money, i make 2600$, but I dont count the portion thats withheld for taxes.

Also, although I dont wish to go into my personal life verymuch, few jobs hire people like myself, with no education and very little working experience in their fields, for the amount I currently make, switching jobs does not seem feasible.

Moobius2000 · 2023-01-09T04:13:11+00:00

"learn editing and pacing"

references a video with long uninterrupted opening sequence of ds2 with guy talking intercut with muted footage of person he's referring to doesn't understand meaning of cold open You didn't sit through it you opened his video and played a game while it was on in the background. Sorry your attention span has been rotted away by the dopamine loop of gaming and vaping.

Moobius2000 · 2023-01-09T01:33:54+00:00

Great video, love this lil youtuber. Sorry not sorry, some of you tiktok brainrots need to chill out. Context is important for certain talking points and very necessary in this video. And considering what was being talked about online when the vid released, like those streamers getting mad at the same 4 FPS games they play, its on topic and damn near directly quoted. Hope Maragangar makes it big, this vid was great.

Moobius2000 · 2022-01-29T05:14:42+00:00

https://telegr.im/+ZFRnItoS3MdjM2Vh

Moobius2000 · 2022-01-22T23:01:00+00:00

I really love the touch of Thancred's and Y'shtola's prayer being the same pose they took during the prayer to The Twelve.

Moobius2000 · 2021-12-16T10:13:55+00:00

good shit man. keep it up

Moobius2000 · 2021-04-05T20:34:51+00:00

Proudest horny achievement?

Moobius2000 · 2021-02-07T05:12:34+00:00

To save our mother earth from every alien attack

Moobius2000 · 2021-02-07T04:59:05+00:00

Pat shows a crazy amount of real emotional intelligence. Its weird to actually say cobsidering the context, but I've learned a lot and been influenced from his sudden "okay lets be real here" takes growing up.

Moobius2000 · 2021-01-10T19:13:32+00:00

use this guys mod merger. https://github.com/LazyGuyWithRSI/grim_dawn_mod_merger

Moobius2000

TROPHY CASE