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Thread: The Bedrock Journal - ( Pebbles67) page 377

  1. #3761
    geostump's Avatar
    geostump is online now Senior Member
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    Quote Originally Posted by Pebbles67 View Post
    Just went to credit union. Talked to the lady with whom I applied. The bank wants a cosigner. My husbands credit is worse than mine and his income is small so that is a no go.

    She and I talked about how conservative the CU is and she made the same suggestion as Jenn above. She said that if I was really impressed with the car, I should get it through the car company at the high interest rate and then in a few months do a refi with the CU. I think this would work and I have been cleaning up my credit, so it should show by then.

    Even though I am not happy with the rate, the local car company is not trying to screw me personally. I went on the Nissan site and punched in my numbers. Sure enough it came out to 15% interest and a 380+ payment. I left a message with my salesman asking if the rate can be lowered. At the end of school, I will go there and meet with the finance person. Either way, I will probably get the car because I am impressed with it and I am honestly tired of worrying about my car breaking down.

    *Breaking News* I just talked to the car company finance person. I am going to buy the car. She explained that they are locked in on the interest rates, which is OK. My payment will be lower because we went with 72 months. That means I will be able to pay extra each month or pay off some other stuff and I won't pay too much on the car before I can refi. The finance person suggested the refi as well.

    They want to know if I want to pick it up today...
    Positives!!!!! Woot!!!
    Georgette

  2. #3762
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    That sounds like it's a big relief for sure.

    Be great when you can refi at a lower rate...

  3. #3763
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    I'm glad to hear its all working out post of pic of the new car!
    Read post #2626
    my motivation

    Things I choose to let go:

    All grains - including rice
    Refined sugars
    Legumes - including peanut butter
    Nuts and nut butters
    Alcohol and soda
    Chocolate
    Acidic foods, such as pineapple and tomato
    Coffee and tea
    Eggs
    Curry
    White potato
    Dairy - including butter

    I'm choosing to do this......... I don't HAVE to.

    I'm doing this because I'm worth it - because I'm worthy - because I love myself.

  4. #3764
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    Yay! See? Even in the midst of the chaos, good things are happening. *positive vibes for you*
    Journal on depression/anxiety
    Currently trying to figure out WTF to eat (for IBS-C).

  5. #3765
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    Pebbles67 is online now Senior Member
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    Well it took all evening, but my beautiful new car is in my driveway. Pics tomorrow.

  6. #3766
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    I just tried to "like" your post haha. Awesome!
    Journal on depression/anxiety
    Currently trying to figure out WTF to eat (for IBS-C).

  7. #3767
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    Pebbles67 is online now Senior Member
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    My New Car...



    I think my eyes are closed.
    Paula Primal since 9/24/2010
    "Our greatest foes, and whom we must chiefly combat, are within." Miguel de Cervantes

    Created by MyFitnessPal.com - Free Weight Loss Tools
    MFP username: MDAPebbles67

  8. #3768
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    Nice car!!!! The blue is very pretty!!! So is the lady behind the wheel.
    Georgette

  9. #3769
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    Nice, a sexy car won't make the driver sexy, but a sexy driver will definitely upgrade a car.
    Chris
    "Life isn't about waiting for the storm to pass. It is about learning to dance in the rain."
    Unknown

    My journal: http://www.marksdailyapple.com/forum/thread36279.html

    My "Program": doing my version of a 4:3 - 3 day fast diet with real food every day, with a little twist of anti-inflammatory mixed in.

  10. #3770
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    Foiled again by work blocking pictures. So I get to use my imagination....hmmm.... *thoughtful pause*

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