[!@#$%!]

Originally Posted by Rob Instigator

and all I was asking for was a $16,000 auto financing loan.

debt is slavery and you were not wrong

the problem is you were probably too stressed out to take that to to its full consequences

next time build up a car fund with CASH

i.e., after it's paid off, start paying yourself. when the next purchase cycle comes you'll be ready.

paying cash for a car you can get a fat discount.

the other option could have been to buy a car for less than the $8K you had saved-- keep something for your e-fund (this was an emergency, and therefore justified, though a car fund is better because it's somewhat predictable that you'll need one every X years)

so maybe a nice used car for $6K-- and then start building your savings again instead of servicing a note.

however-- stress will sometimes punch you in the huevos and at those times pain relief comes first. it's only normal.