Does anybody else feel trapped by their loan/financing?

Does anybody else feel trapped by their loan/financing?

Does anybody else feel like in hindsight, going with a new car was a bad idea?

Tell us your experiences.

The only thing I'm worried about is the male goose outside my house

someone make this into a wake me up meme

be the change you seek

I have great credit and buy cars that depreciate very little, if at all. So no, no regrets here.

i don't feel trapped because I have great job security and make pretty good $$, but the fact that I've completely riced it out makes me think I probably shouldn't have financed it, because modifying a car that you intend to pay off is bad because you depreciate the value of the car while you're still paying it off which is bad because why? It's like, you spend a year or two saving up 10 grand for a car, you fuck it up. Oh, well there goes all that work saving my money. It's the same fucking thing with a financed car. Well, now that I've fucked up my car I'm stuck with the bill for a couple a years. and it's slightly more expensive because of interest. Either way, you're wasting your money on a fucking car.

no thanks

shit we have one at work bro. it's a white farm goose that escaped. it keeps shitting all over the place.

it hangs out by one of our brand new trucks that we haven't been able to use because it fucking attacks anything that gets close to it.

we tried hitting it with a rake and we thought we broke it's neck but the fucker just wrapped his neck around the rake and took it.

we haven't been back there since. I wouldn't be surprised if he has figured out how to use it as a weapon.

it has nothing to eat but it just keeps shitting everywhere...

Like what GTRs? Porsches?

>that whole situation

Throw a net or blanket over it and snap its neck, I have to so this on the reg at my dock. I have never hated anything more than those shit machine geese.

>machine geese.

Yeah, actually. I bought the car impulsively, wish I hadn't. I love it, but then I go on craigslist and find a nice SC400 for $4k and I could pay that off in 6 months. (Or, had I not bought the new-ish car in the first place, buy it with cash).

I'm actually debating if I want to sell the Focus ST and buy the SC400, or something similar. I'm also still hoping that my dad will sell me his '64 LeSabre, but that wouldn't be a daily driver anyways.

What am I looking at here?

>>shittin machines

They shit once every 20 minutes.

Why not just go to your local high school or university and enlist the help of their football kicker?

OP posted a visual representation of autism. This is how an autist precieves themselves.

I actually was a kicker for many years, they just shake that shit off. You gotta sneak up on those motherfuckers with a net or run up and highlander them.

Yes. I paid $20,000 out the door for my used Civic Si with no research for any other cars, poor negotiation. Four years later almost paid off. I could have bought a thousand and one better cars or just spent $5,000 and had more money.

If you are young, don't finance IMO. It built my credit really well but it was really tight sometimes.

Wait, really? If you boot one like you are trying to make a 50 yard goal they don't care?

They have hollow bones, how is that possible?

I paid 2k over stick price for my brz. Felt like shit afterwards but i just had to have it.

Not really. I'm only paying $300/m at 1.9%. It's a four year term though and then a balloon payment of like $8k. I might just dump the car then and get into something different, I haven't decided yet.

I don't know what I am gonna do when it's paid off. Part of me wants to upgrade or just ride this bitch for 200,000 miles. I figure I may have not gotten the best deal but if I go 5+ years with no problems or payment it wasn't so bad.

Didnt you keep all the original parts?

Was it worth it? Did the shitty feeling go away when you felt the driving feels?

I paid cash, so no.

Well, I got a good pricing through financing, then paid it all off before 30 days to avoid interest. Thanks, LPG.

>being a debtcuck

>tfw I bought my car in cash and have never been in debt

>financially illiterate anons thinking paying cash for a depreciating asset is something to brag about

This is hot. How do I do this to my gf while she is sleeping. She has a huge temper.

This sounds like a great idea, what could possibly go wrong.

Wtf

>financially illiterate user thinks a car is an investment
Unless you're buying a classic, and a handful of supercars you're going to lose money.

Nobody buys cars expecting returns.

>Nobody buys new cars expecting returns.
FIFY

I can understand financing something like a house. I can't understand it with cars. I hope youre talking about fixed property.

Most cars, new or old don't bring returns. There are a select few examples otherwise, but they cost more than what you or I could afford.

Unless you're talking about Craigslist hunting for shitboxes and fixing them up. To make any real returns you have to be doing that as a full-time job.

>illiterate user thinks I called a car an investment

Dumping your liquid assets into a liability is retarded. If you get a low interest loan and invest the money you would have used otherwise to pay upfront at a higher interest rate, you are effectively making money.

It's the financially illiterate who think paying cash for a car is smart. Financially smart people use debt to leverage their wealth. Who in their right mind would brag about owning stock that loses value every quarter?

>tfw want this done to me.

>want to buy a car
>have no credit
>forced to pay cash or suffer a shitty interest loan

Because unlike stock, you don't use a car to make money. A car is a tool that most people use on a daily basis, and like any tool it'll lose worth the more it's used.

Financing a car to build credit like I did is fine, but typically the people who have money to drop $40k+ on a car don't have to worry about trying desperately to make pennies on a fucking car.

>I can't buy this used Corolla! I need to finance a 2016 Audi to keep up with the Jones!
Never change, America.

He did it to himself.

>The world is a giant casino LOL
>Every red cent you make should be betting on something LOL
>Nothing can ever go wrong with this plan LOL
>You are a dumbass if you don't think like me LOL

It is really sad that let 90 IQ dumbfucks like you run things. I really wish we would fix that.

Does it hurt to be this retarded?

>According to my predicted capital gains I can afford these bills every month LOL
>Its just a bump in the market LOL
>Tuns out it was a recession and I am now in debt up to my eyeballs LOL
>Nobody could have seen that coming LOL
>Fuck the fed for not debasing the currency to bail out my chuckle fuck ass LOL
>Guess I'll declare bankruptcy and do it ll over again LOL

>bought a reliable, high MPG car for £800
>if it breaks or I wreck something on it, it's easy to repair or I can just leave it if it's insignificant
>if I crash it or it has a major breakdown, I can just scrap it and buy another one
Not even going to consider buying a more expensive car until I'm 23 since the insurance doesn't go down enough to get anything I actually want until then.
I don't understand why people buy new cars as their first or even second car unless they're very financially stable. I think financing and buying new for "reliability" is more of an American thing.

Buying a good, cheap, reliable used car is so easy I can't understand why any non-idiot would buy new, unless you were a millionaire or something.

>new car
Used. 3 years old, so much cheaper. And because it's a decent car, it's not actually that old.

I'm not 'trapped' by it. I wish the car was sportier, but it's comfy and runs well, and I'll be free of the loan in a year and a half anyway.
Then I'll have no financing and a car that doesn't require much work or investment to run, and start saving for a newer, sportier car.

Only issue is if I lose my job. And if I do, first thing I do is call the bank to refinance.

>never took any loans

feels good man

I got mixed feelings because i wish i would have saved the money for a house downpayment and bought a shitty honda instead. The car drives great though but in my situation, it wasnt worth it.

This nigga gets it
How many K's in debt are you senpai?

I don't understand why you guys don't just take turns having sex with it.

Okay, but how
how did he not die
i mean
you can't breathe through plastic
how

you see the tiny little holes for his nose?

>but how
He hooks up a hose to a vacuum cleaner. lubes it up and stick it inside. Then he sits down and switches on the vacuum cleaner. Once it is done he stands up, pulling the hose out, then turns off the vacuum with his foot. He is trapped for hours until he sweats or cums enough to get out.