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• Ok, my car has been repossesed for the 3rd time.
  

  well, if you were leasing the car, you won’t be able to lease again. but that’s no biggie. I had my car repoed once. All I had to do was pay what i owed and got it out of the lot. These companies really don’t want to reposess cars and it costs them money to store it in a lot. The fees for the lot are not that much so you won’t owe a fortune. Once you pay what you owe, you are back on your payments again.
  
  I suggest you beg and borrow from anyone and everyone to get the money. Your nerves will be shot if this goes on. It more stressful on your ego than anything else. I was able to buy a car even after a repo but I did have to put quite a bit down on the car. and my interest rate is a crime. but I have a car.
  
  You can also go to your car and get stuff out of it if you left something in it and you need it. Take out anything valuable (GPS, cell phone charger, CD’s).
  
  Hope this helps
  - written 2 months, 2 weeks ago

• Ok, my car has been repossesed for the 3rd time.
  

  Man Oh, Man, I thought I wrote that!! My car was reposessed once about 3 or 4 years ago and now it’s on the verge of repo again. Why? Because I’m an idiot. I am just like you. No savings, no house. The car is worth far less than the balance of my loan. I’m getting sick of this. I’ve done the credit counceling thing. Fabulous idea. I blew it. twice. I’ve done the “auto payments” from my checking account. paid thousands in bounced/return fees and lost rights to my debit card AND my ATM card for a year!!! Auto payments are very tricky and if you don’t watch it, you will get into worse debt.
  
  My niece gave me a pretty nifty budget program that she made on Microsoft excel. I can change the numbers around. This has helped me a great deal. If you want me to share it with you, let me know. I like it. It helps me keep better track. The biggest problem as you stated though, is that I just don’t pay the darn bills when they are due. I forget or I want the $450 dog at the pet store instead! I’m pathetic (but the dog is adorable).
  
  So the budget works, but then we still won’t pay the bills when they are due will we? So how about we try to be an accountability partner for each other? Cuz bottom line, we need someone who’s not emotionally attached who can just say it like it is. “PAY THE BILL–NOW!”.
  - written 8 months ago

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life, clothing, house, Year, money problems, cat, automobile, food, Money, Trade, Cat food