I stopped reading at that point. Do you realize that you will have paid 11600 and have absolutely nothing to show for it after 4 years? :bloated: Just keep your R/T for the summer and get that Cummins you were talking about since you seem hell-bent on screwing yourself financially.
EDIT: And now I have read the rest of this thread. It sounds like (plus or minus a few bucks) your a broke ass college kid. You don’t have a ton of money stashed away and you don’t have regular substantial income? Is that about right? Oh, and if you quote your salary in “per hour” it’s not regular and substantial.
There’s nothing wrong with that. We’ve all been there and a lot of us are still there. The problem is you’re refusing to accept it and finding ways to justify bad financial decisions because you want a nice car… Knock it off. Your life ain’t in the right place yet. Sell the R/T. Get something you can buy and not have payments and deal with a shitty car for a few years. When you’re out of school and have steady substantial income then get something nice.
Jam at least is setting a good example and giving you good advice. Fuck, I wish I had kept my beater B13 Sentra when I graduated. My finances would be a lot better if I had accepted living within my means.