I guess I appreciate your response

I believe you are right credit messes up people’s lives terribly. It appears you may have read my message at a bad time personally. So, if I buy a car and keep it up to 200,000 miles how can someone negotiate a reasonable monthly payment as I am shelling out a large lump sum for my settlement.

It would be nice if all of us could “OWN EVERYTHING’ with no debt anywhere keeping in mind real estate is somewhat the best risk.

In agreement to your reasoning I just saw someone blow all the liquidity from a house on ridiculous credit cards. Sad to watch. I do very well believe that a cash debit card is excellent. NO APR’s for the vicious creditors. So, I will reevaluate my thinking to this. So It is wise to say if you don’t have cash immediately in the bank don’t spend what you don’t have……

So, if I buy a car and keep it up to 200,000 miles how can someone negotiate a reasonable monthly payment as I am shelling out a large lump sum for my settlement.

=== This is not she but I believe that what she was trying to say is leasing a car is not your best option. I am not sure what you are trying to say in the above statement.

What kind of vehicle are you driving now? Could you continue to drive that same vehicle and save up what you would have paid each month to purchase a “newer to you” car?

Just some ideas for you.

What you said may be hard to swallow, but you were right. Work on changing your thinking toward not buying what you don’t have money saved up to pay for. I “amen” everything he said. 😉

I know that I came off strong, but I really wanted to impart that message. And, Yes, if you don’t have the cash for a purchase right then, then you can’t afford it.

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