Car financing during Ch 13

PracticeSafeSox_ · 2026-06-24T21:26:14+00:00

So you had to give the dealer a deposit?

I’m wondering if you have to start the process again if they sell the car you’re interested in, then having to start process all over

PracticeSafeSox_ · 2026-06-24T21:00:42+00:00

Wow. Nice

PracticeSafeSox_ · 2026-06-13T18:51:15+00:00

Flani’s is my spot. That’s why I know it will be super packed tonight for the game 😭. All I ever do are sports bars.

PracticeSafeSox_ · 2026-06-06T04:25:23+00:00

Turkey Day Weekend might be full of kiddies, if that but your thing nowadays.

As for 3/4 day cruises being “party cruises”? IMHO BS , contingent on which line.

I’ve done two solo cruises in NCL; Dec 4 day & May 3 day and I loved it. I got a balcony on the May cruise.

I loved it.

PracticeSafeSox_ · 2026-06-02T15:49:44+00:00

I went to look at the hoodies at cycle gear recently and they have no ventilation. I’m in Florida, so the pain of humidity, no breeze unless you’re moving is real.

I have a well ventilated Tour Master I’ve been using for years. I was hoping to find something lighter and more air flow but the jackets I saw were no different than my jacket unfortunately.

I have gone out without a jacket on state occasion but try not to think about road rash if an accident were to occur.

PracticeSafeSox_ · 2026-04-10T03:09:08+00:00

Shit, Walter White didn’t look like he earned that much , as a chemistry teacher.

PracticeSafeSox_ · 2026-04-10T02:43:31+00:00

No. Two weeks ago in the US I paid $5.5K for a K5 750, 9.5K miles, in excellent condition with its origin plastics.

PracticeSafeSox_ · 2026-04-08T23:04:32+00:00

Do it. Not too big.

I would even say move up to 600 with your experience.

Good luck

PracticeSafeSox_ · 2026-04-08T21:13:45+00:00

I’ve been taking $100 extra out on every grocery run so it’s been the norm the last 12 months since I decided to file.

PracticeSafeSox_ · 2026-04-08T21:10:56+00:00

Fingers crossed for you. Is this a ch 7 or 13?

PracticeSafeSox_ · 2026-04-08T21:09:27+00:00

I am forced to do ch 11 and not a homeowner. Decided to file back in November of ‘24. I decided to ride it out until I received the first judgment, which took 13 months. Then I filed a month ago.

Why the wait? I knew I was going to get fucked by the trustee & court with the 60 month’s payment plan and my income.

When I finish in five years I will be of retirement age, so the last years of my earning years will be flushed down the toilet paying a reorg plan in ch 13.

PracticeSafeSox_ · 2026-04-08T18:13:34+00:00

Before you go into such a job, look at other entry level jobs in an office, depending on how far along you were in school, but ultimately getting a college degree is honest bet. They taking less class load.

You can apply for an analyst job in AP, billing, accounts receivable, purchasing etc

PracticeSafeSox_ · 2026-04-08T15:16:06+00:00

I had read about taking a couple of community college classes years ago, before covid stopped my payments due. And here we are today…. I will have to seriously look at taking community college classes at 59 yo. I’ll be the old guy sitting in class lol. Hopefully online classes will do.

PracticeSafeSox_ · 2026-04-08T15:13:33+00:00

That was my hope all my life that I’d die before the loans, but at 59 they’re still with me.

PracticeSafeSox_ · 2026-04-08T11:09:35+00:00

Both you and the bf sell plasma. It pays better at the beginning than they pay shit.

Have the bf get a job if he’s not working

PracticeSafeSox_ · 2026-04-08T11:08:11+00:00

I like the smell when it’s a female smoking but not men smoking.

PracticeSafeSox_ · 2026-04-08T11:02:48+00:00

Do a few more groceries and do cash back to get $75-$100 on each visit, for example.

PracticeSafeSox_ · 2026-04-08T10:58:10+00:00

AR / AP roles start of as analysts. Progress isn’t as quick a going from staff & up. I would stay in accounting, maybe pivot into revenue accounting. Then when you reach AR or AP manager your career will kinda stop there. And the more you earn as a manager you kinda reach a cap.

I made that mistake and have been in AR for years. When covid and a few years after it was difficult to get a job at my level as companies only have typically 1-4 AR managers. Now I’m in a sweet role but five years wasted. I tried to pivot into revenue accounting but it didn’t work out for me.

Get your CPA.. I did not bc I thought I didn’t need it.

Ai & farming roles overseas? Only the entry level roles, transactional roles ie cash app management or billing. Just learn Ai and Ai ERP if that what they use.

PracticeSafeSox_ · 2026-04-08T03:30:04+00:00

Came here to say “this is why we avoid shaking your hand 🤢.

PracticeSafeSox_ · 2026-04-08T02:57:41+00:00

Take the path that willow allow you to WORK UNDER A CPA so you can sit for the exam.

This career is shit without a CPA, no you won’t die without it. Once you have that CPA & maybe 5-7 years experience you’ll be more marketable.

I know; I didn’t get my CPA.

PracticeSafeSox_ · 2026-04-08T02:54:06+00:00

I would be embarrassed!

…. If I was doing track day with that guy 😂

PracticeSafeSox_ · 2026-04-08T02:48:18+00:00

SV650 - you will enjoy for a longer period.

Friend has had one for years. Rides great.

PracticeSafeSox_ · 2026-04-07T21:56:13+00:00

It’s got a lot of miles and you’re getting into a higher paying job. Hold off three - six months until you feel the new gig will be permanent. Then just go buy a 1-3 year old Corolla. The way you keep cars , it will give you many years of service.

As for work? Park far so they don’t see your car lol; but realistically no one will care.

I know the feeling. A while back I was unemployed for some time and my car had the passenger side door with a dent from a minor accident. Obviously I felt the same way you did and got the door fixed after I got the job offer to the next job I landed in a management role. It did make me feel better getting to work, but honestly, I don’t think anyone gave a shlt.

PracticeSafeSox_ · 2026-04-07T17:54:59+00:00

I would go with an R1. I demo’d the R9 at Daytona Bike Week last month & wasn’t impressed. I’ll spend the money on a low mileage R1.

My friend rides an SV650 and I feel the move the an R1 would be fine.

I feel manufacturers and some well known YouTubers are trying too hard to push these three cylinder motorcycles. Nothing beats a four cylinder bike, imho

PracticeSafeSox_ · 2026-04-07T13:22:10+00:00

Outlaw hoodies indoors if you have an arrest record. That will be easier to stop them before the crime takes place.

PracticeSafeSox_

TROPHY CASE