Sexuality and Settling Down

[InbetweenDreams]

The way I see it is currently selling the car right now is a no go. So my choices are wait until next year hoping the value and what I owe at the very least match up and can save back some money. The other option is that I refinance the loan lowering the payment....I would only see that as being a good option if I can lower the payment by more than half, that's probably not going to be the case anytime soon, so the first option probably makes more sense.

The problem with buying a car with cash is...cash and the lack there of. New cars yeah, probably should stay away but. One thing for sure, I should have kept the prius I was coming out ahead on gas, especially when gas was still high. Right now with gas being so low might cost $17 tops to fill up and be able to go 450 miles on less than 10 gallons of gas, plus everything was less expensive...smaller tires, dealer gave 10% back on all service, so when you do finally need tires the next 2-3 services for oil and such end up being free. With the challenger, none of that is the case, outside of it being fun to drive, it doesn't (comparatively) get good gas mileage, no rebates, no deals, tires are expensive as hell.

I wouldn't say I'm under water, as in, unable to pay. I make a point to pay all my bills but I have no trouble creating them. It's just too expensive and is making everything else difficult.

It may take more than another year to get to a point where I can realistically do anything about it. One thing for sure unless $10k suddenly appears the car is here to stay for at least another year, maybe 2. I definitely do not want to roll over any debt into a new car loan -- Oh but they'll do it, they don't care.

I do have a marketable skill but with a 2 year degree, that is probably all fine and dandy here in NC but might be worthless in other states, I haven't done my due diligence in researching that. I need papers, I do have the skills but I should have long ago got several certifications, just never invested in doing that, again, this all from the time period where I was busy getting high and such. Or well now, buying other crap and being concerned with other things. The exams can get expensive but it's money well spent. Plus everyone has always told me make your employer pay for it...none have and nothing around here probably will.