this post was submitted on 20 Oct 2023
83 points (95.6% liked)

Ask Lemmy

27038 readers
1384 users here now

A Fediverse community for open-ended, thought provoking questions

Please don't post about US Politics. If you need to do this, try !politicaldiscussion@lemmy.world


Rules: (interactive)


1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can't say something nice, don't say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. Please familiarize yourself with them


2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?


3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.


4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either !asklemmyafterdark@lemmy.world or !asklemmynsfw@lemmynsfw.com. NSFW comments should be restricted to posts tagged [NSFW].


5) This is not a support community.
It is not a place for 'how do I?', type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to Lemmy.world Support or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.


Reminder: The terms of service apply here too.

Partnered Communities:

Tech Support

No Stupid Questions

You Should Know

Reddit

Jokes

Ask Ouija


Logo design credit goes to: tubbadu


founded 1 year ago
MODERATORS
 

Hear about how much debt everyone in the US has all the time, curious about some of your stories!

My bad debt is 10k left on a school loan from a for profit school that is now out of business.

Only other debt is house.

So how are you all doing with debt management?

you are viewing a single comment's thread
view the rest of the comments
[–] RememberTheApollo_@lemmy.world 8 points 1 year ago* (last edited 1 year ago) (2 children)

A car loan for a completely unnecessary car.

Can we afford it? Yes, with reasonable budgeting, no sacrifices needed.

Will the car appreciate? Undeniably.

Do we need a toy like this? Fuck no.

Did it anyway. I’ve been poor for such a long time it’s really hard to justify any frivolous purchase at all, but we have good jobs now. I waffle between “This is stupid” and “I’ll never get to do this again, so why not now?” Literally YOLO.

The rest of debt is “good”, like the mortgage building equity, a CC to keep credit rating good (paid off monthly).

[–] whoisearth@lemmy.ca 4 points 1 year ago (2 children)

But cars don't appreciate in value...

Good on you with everything else and I'm with you 100%, but as soon as you drove that car off the lot it's been deprecating in value.

[–] RememberTheApollo_@lemmy.world 1 points 1 year ago (1 children)

Yes they do.

You just have to pick the right car, and it’s not gonna be an off-the-shelf regular car.

[–] whoisearth@lemmy.ca 0 points 1 year ago (1 children)

If you look at all the cars that have ever existed 99/100 times that car is deprecating.

Yes, OP may have bought a classic car or something with high resale value. I was simply speaking in generalizations. The vast majority of cars depreciate in value once you drive them off the lot.

TBF you made generalizations that a) they don’t appreciate, and b) my car’s value depreciated off the lot directly to the initial statement I made that the car I purchased would appreciate.

I can assure you that these statements are incorrect in regards to my purchase. If you want to walk back your statements to not be in reference to my initial position, who were you talking to then?

[–] Subverb@lemmy.world 1 points 1 year ago (1 children)

I have a 1964 Lincoln Continental convertible. Cars can appreciate, I assure you.

[–] whoisearth@lemmy.ca 3 points 1 year ago

Historically speaking they don't. I understand there are outliers for sure.

[–] papalonian@lemmy.world 4 points 1 year ago (1 children)

You can't leave a comment like that and not tell the car bois what you got.

[–] RememberTheApollo_@lemmy.world 2 points 1 year ago (1 children)
[–] papalonian@lemmy.world 1 points 1 year ago (1 children)

You bought a literal racecar? Hell yeah dude. Live your best life.

[–] RememberTheApollo_@lemmy.world 1 points 1 year ago (1 children)

Hah, too old for that risky stuff. Hitting a wall at a buck twenty doesn’t sound like fun. Yeah, they absolutely are race cars, but they are built to be street legal as well. That’s the direction I’m in.

[–] papalonian@lemmy.world 2 points 1 year ago

That's awesome man. Hope it brings smiles for a long time.