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Need your advice on $ problems
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<blockquote data-quote="Steely" data-source="post: 159584" data-attributes="member: 3301"><p>It is all so complicated.</p><p></p><p>Yes I went to Consumer Credit Counseling and even if Paid 15K of my debt down, I would still pay 400.00 a month for 5 years paying the other 15K. The math works the other way too. Currently I would be paying 800.00 a month for 5 years. Even the guy at CCC told me he that I had cut all the corners he saw possible, and I am still living pay check to paycheck. There is not even 200.00 a month extra to pay debt down.</p><p></p><p>My thought was not to get a car loan, but buy a car cash and that way all of my immediate needs are taken care of for 5 years, until I can figure out a way to pay all this down. Because bottom line - no matter what I do - unless I come up with the full amount - my credit is screwed. There is not a solution to this that involves me being able to get a car in (for a <em>very</em> long time) without them declining me the loan. And I feel panicky about that part of it. The whole being single thing, and needing to be independent, but not qualifying for a car loan, so then I would be car-less at some point? So, to prevent that, I would have to be saving money now left and right to buy a car, cash, at some point,</p><p></p><p>Ugh. I may be having an anxiety attack now<img src="/community/styles/default/xenforo/smilies/felttip/angry-very.png" class="smilie" loading="lazy" alt=":angry-very:" title="angry-very :angry-very:" data-shortname=":angry-very:" /></p><p></p><p>I don't know. I am really confused, and stressed about all of this.</p></blockquote><p></p>
[QUOTE="Steely, post: 159584, member: 3301"] It is all so complicated. Yes I went to Consumer Credit Counseling and even if Paid 15K of my debt down, I would still pay 400.00 a month for 5 years paying the other 15K. The math works the other way too. Currently I would be paying 800.00 a month for 5 years. Even the guy at CCC told me he that I had cut all the corners he saw possible, and I am still living pay check to paycheck. There is not even 200.00 a month extra to pay debt down. My thought was not to get a car loan, but buy a car cash and that way all of my immediate needs are taken care of for 5 years, until I can figure out a way to pay all this down. Because bottom line - no matter what I do - unless I come up with the full amount - my credit is screwed. There is not a solution to this that involves me being able to get a car in (for a [I]very[/I] long time) without them declining me the loan. And I feel panicky about that part of it. The whole being single thing, and needing to be independent, but not qualifying for a car loan, so then I would be car-less at some point? So, to prevent that, I would have to be saving money now left and right to buy a car, cash, at some point, Ugh. I may be having an anxiety attack now:angry-very: I don't know. I am really confused, and stressed about all of this. [/QUOTE]
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