Comment Re:You have to have a car payment to drive? (Score 2) 907
Strange. I've owned a car (several of them, actually) for a couple of decades and I never made a payment other than the first one I used to buy the car. I've also never paid over $3000 for a car. Something about learning to maintain it yourself and not having much money. Also something about how true ownership beats the pants off someone else having control of my stuff.
Guess as you get paid more, you gather this strange belief that everyone does the same crazy dumb shit that you're doing.
Cars are cash items due to severe depreciation and high maintenance costs. Can't afford to buy it cash? Don't. If you have under $1000 cash (the minimum I find drivable cars selling for) the last thing you need are payments! And if you need it for a job, make sure you pay the car off within a month or two (there's plenty of $2000 jalopies you can pick up at the various fleece-me-blind no-credit car lots that should be priced at $1000 cash).
If you buy a used car, it will run into problems. If you go to a mechanic with even the smallest of problems, they will quote you $500. If you ignore the problem, it will get worse and worse until it is unsafe to drive or the car simply doesn't start at all.
Learning to maintain a car isn't that hard but you can't do it on your apartment parking lot.