Easing financial burden

[rietrot]

Little goldfish perhaps you should read again.

The way the sentence had been written leads up to a hypothetical event, but I guess that is a bit much for out little goldfish to grasp.

Well saturnz is right, making up hypothetical events to suit your argument is stupid.

OP sell the car and get a bicycle. You can get a good one second hand for less than one car instalment and then your financial problems will be solved in half the time.

 

[Cius]

I would try my best to cut expenses but in this economy and considering where you are that may be tough. What is more likely is negotiating better income, or perhaps getting a side income stream going. Even a few hundred bucks a month can make a big difference to your debt if you dedicate to paying down the amounts owed. Can you tutor? Sell Tupperware? Do some part time work over weekends or in the evenings?

Seriously consider it as a temp measure to just get out of debt and then stop making new debt. The only debt I think is worthwhile is the following:

1. Education
2. Modest home
3. Modest car if necessary, rather buy cash if possible

 

[wizardofid]

Well saturnz is right making up hypothetical events to suit your argument is stupid.

OP sell the car and get a bicycle. You can get a good one second hand for less than one car instalment and then your financial problems will be solved in half the time.

Are you just as thick as saturnz, or is the excuse it's Monday. He said, Did you make up facts, I said I made hypothetical events to point out you can't nilly willy dish out advise like that, not consider the cause and effects in general, and when people tell him he is narrow minded he gets all excited about it and only tries to defend that narrow point of view with the memory of a goldfish, for god and country.


So down boy, if you can't behave I will have to put you down as well.The gist of my post was, there is a bucket load more to consider then simply dishing out advise like buy a scooter.Your advise as well, doesn't even remotely consider the repaying term left, seriously said that as well in the post, depending on payment term left it might be better keeping the car.

Also at no point did the OP point out whether the car is new or secondhand it self, nor did he point whether or not he is married, distance to work, route( does he stay in PTA but works in JHB), whether he is renting, staying with family or any other considerations for that matter. Even with all that information available, keeping the vehicle is more often then not, the best cause of action, it is the best short term asset to have.


But good to see Saturnz has a friend in fishbowl now.....

 

[smkungfu]

Are you just as thick as saturnz, or is the excuse it's Monday. He said, Did you make up facts, I said I made hypothetical events to point out you can't nilly willy dish out advise like that, not consider the cause and effects in general, and when people tell him he is narrow minded he gets all excited about it and only tries to defend that narrow point of view with the memory of a goldfish, for god and country.


So down boy, if you can't behave I will have to put you down as well.The gist of my post was, there is a bucket load more to consider then simply dishing out advise like buy a scooter.Your advise as well, doesn't even remotely consider the repaying term left, seriously said that as well in the post, depending on payment term left it might be better keeping the car.Also at no point did the OP point out whether the car is new or secondhand it self.

But good to see Saturnz has a friend in fishbowl now.....

Gut them goldfish :crylaugh:

 

[rietrot]

Are you just as thick as saturnz, or is the excuse it's Monday. He said, Did you make up facts, I said I made hypothetical events to point out you can't nilly willy dish out advise like that, not consider the cause and effects in general, and when people tell him he is narrow minded he gets all excited about it and only tries to defend that narrow point of view with the memory of a goldfish, for god and country.


So down boy, if you can't behave I will have to put you down as well.The gist of my post was, there is a bucket load more to consider then simply dishing out advise like buy a scooter.Your advise as well, doesn't even remotely consider the repaying term left, seriously said that as well in the post, depending on payment term left it might be better keeping the car.

Also at no point did the OP point out whether the car is new or secondhand it self, nor did he point whether or not he is married, distance to work, route( does he stay in PTA but works in JHB), whether he is renting, staying with family or any other considerations for that matter. Even with all that information available, keeping the vehicle is more often then not, the best cause of action, it is the best short term asset to have.


But good to see Saturnz has a friend in fishbowl now.....

It is just as valid as any other advice before the OP give additional info as to why a scooter or a bicycle won't work for him.

I don't care abou your hypothetical BS excuses. That's completely irrelevant.

 

[Neo_za]

Cut out stuff you can live without to freeout some cash.

e.g
TV subscription - multichouise has a 30 bucks plan
Groceries - buy basics
OLX stuff you do not need in your house
Service your car yourself
If you can use a bus to work ,Sell the car privately or via wbs if is can cover bal at the bank