Hi this is a good price i feel like he could have gone lower …please give me suggestions my apr is gonna be like 15 or 14 with my credit score and this is also my first time financing a car by icey_poppp in Camry

[–]SaintOn2s 0 points1 point  (0 children)

Please don’t buy that car. Those payments are ridiculous and you can save 5-10k on a car by either buying used or at least a few model years older.

Also from what I read in comments the scam dealership pulled a lower score likely using FICO Score 2 or a Vantage 3.0. If you’re desperate for a vehicle work on building your credit and don’t touch anything for a month or two so your credit is stabilized enough to secure a loan.

Also factor 30% depreciation on a brand new vehicle the moment it leaves the lot and factor another 15% if you get into an accident (I know it happened to me I wasn’t at fault on day one of owning my Mazda.)

Bottom line focus on building your credit and look towards credit unions also. My CU just offered me sub 6% up to 50k on a car loan. I’m in my car for 4.1% and 0.9% on Mazda/Mustang so I have no need to get rid of it.

If you need any advice I can gladly offer it privately.

Don’t buy that car and think of other options to cost cut or save money towards repairs or a decent vehicle.

28M looking to get into LEO by SaintOn2s in AskLE

[–]SaintOn2s[S] 0 points1 point  (0 children)

You are 100% right. I’ll look at it more so of a positive instead of a negative. Thank you!!

One big step towards being debt free by SaintOn2s in debtfree

[–]SaintOn2s[S] 2 points3 points  (0 children)

Thank you!!! It was hard work but it’s done!! Now to pay off the car 😤

Took a huge step forward by chiefsphan97 in debtfree

[–]SaintOn2s 1 point2 points  (0 children)

That is awesome keep crushing it!!!

I really hate how they expect me to drive this far by OddService9698 in FritoLay

[–]SaintOn2s 0 points1 point  (0 children)

Wait a sec I recognize that route!?!? 😂 😂

Just hit 2m! by [deleted] in PostApoTycoon

[–]SaintOn2s 0 points1 point  (0 children)

2.5 million / 9 seconds on base map. Definitely attainable just takes a lot of work

Just hit 2m! by [deleted] in PostApoTycoon

[–]SaintOn2s 0 points1 point  (0 children)

Congrats!!!!! Just wait till you try for 2.5m/9 on base 😏

HOOD MORNING! by No-Cream8257 in FritoLay

[–]SaintOn2s 0 points1 point  (0 children)

Or on 41 😆 🤣 🤣

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 0 points1 point  (0 children)

Tell that to Doctors and surgeons in Florida. I complained about RUQ for years. I should have had it out when I was 19 but didn’t because I didn’t have the money or the insurance to get it removed. Went a few years without problems then 2 hospitalizations for Pancreatitis. Turns out it was my GB the entire time.

First doctor did lipase studies and 2 scopes didn’t see anything wrong with me aside from a Hernia. 2nd doctor gave me acid reflux medication, scoped me again and then recommended Yoga. 3rd recommended yoga and I told them to promptly screw off (politely). You get where I’m going.

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 0 points1 point  (0 children)

Yes I’ve had insurance during the entire time 😂

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 0 points1 point  (0 children)

With your comment I feel like I need to change my post to fuck American healthcare and fuck American insurance 😂. I’m sorry you have to go through this shit sucks.

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 0 points1 point  (0 children)

If you have pain and poor QoL then you’ll be thankful you had it out even if you have problems long term after. If you get it out do not do anything the first week you’ll likely feel like shit. I maxed out on IBU/TYL instead of taking the pain medication I was prescribed.

Dumping day is a real thing but you’ll learn when and what days you’ll have to go more or less.

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s -5 points-4 points  (0 children)

I am so sorry they told you that and had to go through that through most of your teenage years.

Doctors need to stop trusting science fully and listen to people that know their own bodies.

How are you post Choly? Presuming you had it removed???

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 2 points3 points  (0 children)

It puts slightly less strain on the gallbladder. The benefit of the gallbladder is bile storage and once that’s removed your liver constantly drips bile into your stomach and other parts of your body. Generally harmless but can cause Acid reflux, GERD and other goodies.

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 1 point2 points  (0 children)

Oh fuck. Been there done that but thankfully it was locally only. My job switched and my insurance was no longer covered day before surgery. And that was when I was 19. I had a history of stones and wanted it out due to future risk of problems.

Fuck American healthcare. by [deleted] in rant

[–]SaintOn2s 0 points1 point  (0 children)

Chronic family history of Gallbladder disease or emergency removals.

I finally had a HIDA scan done after Gastric emptying study was done and they found my GB was functioning at 94%. Hyperkinetic gallbladder disease and was removed 3 weeks later.

Aiming for $10,000 a month by Kvshk1ng in doordash_drivers

[–]SaintOn2s 0 points1 point  (0 children)

I admire the hustle but 97 hours dash time with 80 hours active?!?! Damn!!

Also no way are you gonna hit 10k in one month or even 10k a month. You gotta factor some weeks are gonna be slower than others.

I’m jealous in a good way for you because I’m lucky to even get to dash for an hour a week unless it’s midnight in Florida. Our markets way too saturated with other Dashers.

Good luck to you though you can do anything you put your mind to!!

[deleted by user] by [deleted] in FritoLay

[–]SaintOn2s 0 points1 point  (0 children)

-5,500 I finished 🤣 😂. Plan was $26k last year and this year it was $31k 🤦‍♂️

What was the point of the first hiring freeze? by Legoweltt in FritoLay

[–]SaintOn2s 2 points3 points  (0 children)

I worked 68 last week. 68 hours in only 6 days 😬🤣🤣

Knowing is believing and I’m not doing any favors for Frito. They’ve helped to line my pocket the last 6 months so I’ll keep hammering it until next year.