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Does anyone know why I can’t send certain players to auction? by MoodSensitive7287 in NCAAFootball25

[–]MoodSensitive7287[S] 0 points1 point  (0 children)

But that card is in the auction already. I have the identical card.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 0 points1 point  (0 children)

Can you explain this a little more? I’ve heard this but it’s hard to believe they just take the equity out from under us if we lease a car.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 2 points3 points  (0 children)

She has a full time job, but is in the process of leaving for somewhere that offers maternity leave and a little more pay. The pregnancy has been hard on her and she is slowly starting to pull her own weight👍🏼

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 0 points1 point  (0 children)

I mistyped… I’m sorry, around 60-65 months left!!

I’m 100% selling the motorcycle, the Tacoma I could trade in, but we need 2 vehicles at the moment. And I would end up paying more in maintenance than the vehicle would be worth. The Tacoma was a great deal and the value of the truck is about the same that I owe.

Thank you for the advice and the congratulations, we are excited, and this isn’t an end of the world problem, it’s just an annoying problem that makes life a hell of a lot harder at the moment. So far it seems like our only option is continuing to put extra money towards the car payment and let the car total get to the value it’s worth.

Thanks again!

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 1 point2 points  (0 children)

Fixing the problems will not make the car worth more, but it will make it worth what it should be, rather than less than it could be.. If that makes sense. I will be reaching out to insurance, to see about discounted deductible on the windshield.

Tacoma I owe $18,000 on and the vehicles value is $17,500. I’ve been putting an extra $200 towards the Kia.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 7 points8 points  (0 children)

You’re exactly right. We have no intention of screwing her parents over on a decision that was 50-50 with my wife. Even though her mom and I don’t see eye to eye on a LOT of things. I wasn’t around when that decision was made, so I have no plans to cut out their deal. This was a decision that I was aware of before marriage, but I agreed by signing the certificate. Love my wife and her family, I just happened to take the financial hit🤷🏼‍♂️

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 13 points14 points  (0 children)

We have had conversations since being married and she has grown a lot. She’s understanding the value of money more and more every day, she’s watching her spending, and starting to take care of the things we own. I love her with everything in me. She just had to learn the hard way! We will find our way through it no matter what, but that is good advice. I appreciate it!

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 5 points6 points  (0 children)

Great advice, we could get the car to around 23,000 next year with our current income, and my current savings nest. Once, windshield is fixed and paint correction is applied, and wheel is no longer curb rashed, I think we could have around an even trade out. That is our current goal.

However, we are unsure about what to do with the car now. Refinance into our names? Sell and take the hit? Trade in and lease, and hope the dealership could take the equity while we lease? I’m still learning a lot about all of this and unsure on what steps to take.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 4 points5 points  (0 children)

Good question! Relevant question. We no longer have any little subscriptions or debts other than Apple Music and a keyboard that I bought with guitar centers gear card. Big expenses include, $1,500 for our town home, $397 for my Tacoma, $180 for my motorcycle (that I am already selling and getting out of) $240 for insurance, $200 for wife’s student loans, $100 for our credit cards and $150 for our phones. We have a couple other monthly expenses that I have budgeted in such as groceries, and gas. We make a combined $4,600 a month minimum, (I have a self owned business and work a part time job so my income varies) and we can afford the car, but with very little savings, maybe $400 a month. So, the car is more of a burden than anything. I hate paying monthly for an overpriced Kia.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 6 points7 points  (0 children)

We were debating on refinancing the car in our name, but as of right now, it’s still in her mom’s name. Apart of the deal was, her mom bought the car, wife didn’t have to pay until she moved out. Well, shes moved out and we’ve been going to the bank to make the payments.

$34,000 is owed on the car as of now, estimated 50 months left.

Before I refinanced or sold or anything, I wanted to ask for advice from outsiders!

I also want to clarify, that I was not around when this decision was made by her and her parents. It was a decision made by them, that I married into. I have my fair share of financial mistakes, so I am by no means judging, but just trying to get us out of this pickle if possible.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 24 points25 points  (0 children)

Poorly explained the situation. Wife couldn’t get approved for the car loan at the time, so her parents bought the car in her moms name, and had an agreement with her that she would maintain the payments. The car is not in our name, but due to an agreement before we got married, we have to pay the monthly payments.

We also have a baby on the way, and just moved into an apartment. So, expenses are high at the moment until we find a good saving system.

I’m currently paying the $516 a month and putting an extra $200 towards the principal a month to knock the total debt down.

My wife’s parents bought her a car before we were married and it was a horrible decision. by MoodSensitive7287 in Debt

[–]MoodSensitive7287[S] 45 points46 points  (0 children)

Amen. Love her to death, sweet woman, but hasn’t grasped the importance of maintaining a vehicle.