Not sure how to word this?

[Teela Renee]

This sucks,  I found a car,  a 2007 nissan vera, 85k miles on it.  it gets 30 in town 36 mpg highway no body damage. At a dealership so it will have a warrenty and everything.          They want 9.9k on it,  My bank quoted me payments of 176 dollars a month on it. I can afford that easily but I need a co signer due to  lack of established credit  T_T   and my parents are giving me the dance around on helping me out.  This sucks.  I've never had to auto shop and Im so sick of hearing I need a co signer.  I dont have anyone to depend on for that........... what do I do?

[Christine167]

That's okay. First to do. Stop letting them run credit checks. It hurts your credit to run a bunch and then not have a car loan in hand with car. You might have only done one check in which case awesome for you. My brother on the other hand does this all the time and then wonders why his credit is in the toilet.
Step two find your cosigner. Sadly when you don't have established credit this is needed for anything near the $10k price tag. Alternately finance a cheaper car, pay it off, and then trade it in for a car you actually want.
Step three be prepared to politely tell the dealer to Go F*<£ Himself when they try to finance anything extra in like the warrantee or options that you want. The lesson there is that if you can afford to not finance it with the rest of the loan then don't. Not saying that if you have to that it's horrible just saying it's better if you don't.

And that's our how to get high credit rating lesson of the day.  Now go get that awesome car 

[kariann330]

Teela just keep your head up hun. I have been laid off since the beginning of the year (1/5/2013] and know the struggle. I'm on unemployment and can barely afford to live. I lost my internet, my truck broke down, my insurance (auto and health) lapsed, my license is close to expiring, i need new undies cuz i have wires poking me and holes in panties, and i had to stop my hrt @ 3 months. Also that is just the short list. The one thing i found is just keep your head up and take everything a day at a time and before you know it you will finally find a bucket to get rid of that water instead of using a teaspoon. For me the big one is a job interview on Tuesday at Walmart.
I know in times like this it seems that things are only getting worse, but just remember two things, "let go and let God take the wheel" and that God will only challenge you with what you can handle. Sorry if your not big on God but in times likethis it really helps sometimes.

As to your family, they suck, mine does too. Mine stopped talking to me the second i started my transition except for my dad and he lives out of state so he is little help to me.

I hope things get better for you soon hun.

[Teela Renee]

sadly, for a loan PERIOD, I need a co signer........im so ->-bleeped-<-ed. im going to have to pay a fortune for a buy here pay here POS. ->-bleeped-<- my life. seriously. My good luck on my shifts ran out also. Next week me and sour skiddles scheduals clash all over the place. We are trying to straighten up. But unlike her I have no faith everythings gonna be kosher.  I've already dug out my tent incase I lose my job.

[Christine167]

sadly, for a loan PERIOD, I need a co signer........im so ->-bleeped-<-ed. im going to have to pay a fortune for a buy here pay here POS. <not allowed> my life. seriously. My good luck on my shifts ran out also. Next week me and sour skiddles scheduals clash all over the place. We are trying to straighten up. But unlike her I have no faith everythings gonna be kosher.  I've already dug out my tent incase I lose my job.

Do you have a mechanic that you like? Sometime professionals like them and handymen/contractors have an extra car in excellent condition that they have restored and would like to sell. Most of them are willing to work on the price and payments. I'd help you out with a POS for next to nothing but the drive would kill it. What's funny about that is that I backed into my sister in laws car with an SUV when she was pulling into the drive way. Needless to say there was frame damage from where my fat SUV sat on its hood. A friendly contractor working on my mother in laws house had a car that someone gave him in payment for services that was in great condition. He had no need for a car and we paid him essentially what he would have been paid for the job. $2k for a 2005 crysler seabring with 30k miles on it.
I'm not saying you will have that kind of good luck but do try and feel free to laugh at a me for squatting my truck onto another car. My nephew still hasn't forgiven me for that one.

And if you lose your job there are more out there for a pretty girl with your skills. My cousin has the same set and had to work at the Gatorade plant in VA for about 6 months before getting picked up by another facility that needed the equivalent of a medical assistant for a nursing home. Not exactly what she wanted but her coworkers treat her better there.

[Rachel]

Hugs,

Did you think leasing a Nissan Versa? You may qualify and the cost is can be less than $179/mo. I do not know if you will need a cosigner.

[Teela Renee]

I cant wait for morning,  if this dealership still has this in stock, im going to going out there to buy it http://www.auto.com/cars/Mercury-Sable-LS-1999-1MEFM58U5XG637968       Im so excited. My father, who hates me the most out of all my family, oddly enough called me up, told me to find something for under 3K and he would buy it...... I gotta pay him back, but its still odd the person who objects to me most, was willing to help me out like this,

[Erin Brianne]

That's great news Teela   keep your head held high...

[Teela Renee]

I just gotta pray the dealership still has it and it passes my test drive expectations.

[Teela Renee]

freak out time, I also just relised I gotta put my name change the paper soon, and i dont have the money for it.  ->-bleeped-<- my life. Well thats gonna be something im gonna have to try and figure out now.                       Can anyone take a look at Indiana,  lake county law  and help me figure this out also.  I can figure out if I need to run my ad in the legal section of the paper once a week for 3 weeks, or every day for 3 weeks.  its so poorly worded.

[Erin Brianne]

Teela it reads you must run it for 3 straight weeks and the 3rd week has to be at least 30 days prior to the petition for name change

[Teela Renee]

okie dokie. thanks for helpin me understand it.

[Christine167]

So did you get the car?

[Teela Renee]

I didnt get the one I planed on actually.  I found a black 98 ford taurus SW  stationwagon  with 109k miles.  30k less then the other car,  I hate red cars.  but I also had to invest 200 dollars into putting a new water pump on  it.  I only paid 975 for it tho.  so in the end the car cost me 1200 if u wanna round,  the other one would of cost me 1500.  So im happy with my new car ^^   now i just gotta finish personalizing it.  gotta get some goofy magnet ribbons for it at some point, and put my pink hello kitty steering wheel cover on it

[Rickya]

Oh sweet Teela Renee!

God, I wish I had the magic words... or a magic wand.  You know, girl, I'm gonna guess there isn't one single person in here, who doesn't identify at least partly with what you say!  I know I do.  And the last time I felt like that was not too long ago.

I want to reach for the cliche, "if suicide is the answer, then you are asking the wrong question."  That line works just great-- except when you're there!

God, girl, I beg!  Please find somebody and reach out.  I mean, how about starting here with this family.  It's virtual and the hugs lack a lot.  But the people I've encountered here in my short time often feel like angels for me.  Can any of them reach across the chasm and turn your head away from the empty chasm?

I sure hope so.  Please don't waste it-- the troubled and hopeless...but truly precious gift of YOU!

Teela Renee, your name goes on my morning prayer list!  Great Spirit, help us to help her!

In tears,
Rickya

[Christine167]

I didnt get the one I planed on actually.  I found a black 98 ford taurus SW  stationwagon  with 109k miles.  30k less then the other car,  I hate red cars.  but I also had to invest 200 dollars into putting a new water pump on  it.  I only paid 975 for it tho.  so in the end the car cost me 1200 if u wanna round,  the other one would of cost me 1500.  So im happy with my new car ^^   now i just gotta finish personalizing it.  gotta get some goofy magnet ribbons for it at some point, and put my pink hello kitty steering wheel cover on it

Nice. I'm really glad that worked out. 
So now that you have the car you can do the extra shifts or will it be cutting it close on getting the water pump installed?

[kathyk]

Great to hear about the new car and your father spinging a loan for it.

Talk to the newspaper in person and tell them about your money situation.  Sometimes they do pro bono or reduced cost postings for non-business notices where an individual has a legal requirement and no money.  But it all depends on the news org that owns the paper.

K

[Teela Renee]

Nice. I'm really glad that worked out. 
So now that you have the car you can do the extra shifts or will it be cutting it close on getting the water pump installed?

its all worked out, thats assuming its the water pump, I think its the water pump, wiaitng for the garage to let me know for sure sometime today.   But its worked out. Thanks Kathy for the info also.  I dout  post tribune or the times   will throw me a bone. But ill ask.

[Christine167]

its all worked out, thats assuming its the water pump, I think its the water pump, wiaitng for the garage to let me know for sure sometime today.   But its worked out. Thanks Kathy for the info also.  I dout  post tribune or the times   will throw me a bone. But ill ask.