MY NEWS

so i have been looking for a new(er) car last couple days...told yesterday my car qualifies for the clunker deal...can't afford what i liked and what they had that was worth getting...so today i look at a different dealer...was told my car is NOT a clunker qualified vehicle...soooo no go there either...sighs...so i went to the bank to see if they would refinace my car so i have lower payments...they said nope its to old...i go to another bank and they said its borderline but the worth of the car qualifies so they did an application for refinancing it. hopefully it goes through and i hear tomorrow on it!!! means i will save about $60-65 a month on the payment!!!! sounds good to me and this way i can get some repairs done on it i hope. i am just so down on not being able to get or should i say afford a new(er) car!!!!

also heard about my blood test.....vitamin d is still low but its UP so thats good...my folic is in the good range she said and is sending me copies of those tests. i have it redone in 2 months.

so thats about it for my news to share...thanks for reading ;-> 

 

Judy,
This is just my opinion. Dont refinance your car. It only prolongs the life of the loan and isnt worth the added interest.... I would just save up the money to get it fixed. It wont take you that long to save to get the AC fixed. I never had air till I got married and carl got me a car that had air.
Carla 

Judy,

Good luck with your decision.  Sorry you couldn't find something you liked.  Maybe continuing shopping around....your answer may come to you.

thanks!!! i did find a couple cars i loved but can't afford them...i like my car that i have but it needs repairs...brakes, tires and the ac/heater. not to major but still need money for the repairs and with refinancing i will have some extra funds to repair it...still waiting to hear whats going to happen if i get the loan or not.

carla its not what i want to do but i have to get some money coming in so we can make ends meet. rick is still out of work and his unemployment still not coming through for some reason. this loan is a lower interest rate than what i am now paying anyhow and will be for a few extra months so that is why i am going to do it IF i get approved. still waiting to hear. (and with what i am paying now there is NO money to be saved at all with trying to make ends meet) i can do without the ac but this is also affecting the heater and defroster which i NEED for winter. :-(

 

judy...i hate to say it but i really agree with carla--lowering your payment is great but you won't get any closer to it being paid off-why pay more interest??
sorry- i know the feelings you are having...and this is jmho....

but i agree with debbie(rosey) that you should keep looking --the right one will come along...
big hugs!

margo lowering my payments will be better for me...the interest rate is LOWER than what i have now and the loan is only for a few extra months than what i have now. i still like my car minus the repairs it needs. brakes, tires and now the ac/heater. far as i know that is it for the repairs it needs. maybe a new battery in the near future...

Judy,

Don't make a hasty decision. Shop around for a better deal. The dealers are getting anxious to make sales, especially near the end of each month.

It is a bummer to put money into an older car. Some newer cars use much less gas so it may even feel like a savings.

Big hugs
Annette

hey sis...i looked and looked at cars and truthfully i can't afford a new car payment!!! if i didn't still owe on my car i could get the payments lower...soooo that is why i am trying to refinance it. its a lower interest rate and also its only for a few months longer than what it is now. far as i know the repairs i need done is brakes, tires and now the ac/heater. so i think this is the best for me right now on what to do. my car ('01 olds aurora it has 65,590 miles on it) gets 20 mpg city so its good on gas and it is really good on highway too.

hugs back and hope you are doing better!!!!

Judy...do what works out best for you. Sorry you didn't get the new(er) car you wanted.

Hope today is a brighter day for you!

Love ya....hugs...connie d