November's winner of the "I CAN'T AFFORD IT AWARD"

If you haven't heard, I have been out of time this month. It's usually the month I get to my irritation with cheaters of the motab Christmas concert or my spill on turkey bags. Back in March or April this year I wrote a little bit on my wife being pregnant. If you do your calculation right you'll realize she is due any day now with that and my job running full speed I don't have alot of time with bloging. I have been using alot of time with my new financial project and that is coming along really well. New developments are pretty much daily so alot of my time is spent on that. Since I'm pretty much the only one who cares let's get to November's I can't afford it winner.

So I was,browsing the classifieds again not looking for a person selling their car when I came across this add.

I thought that was interesting. Alot of money to be asking for car repairs. I mean you can buy a decent car for that price. So it peaked my interest. What kind of car repair needs 3 grand??

For some reason in the car buying world you have certain people who buy certain cars BECAUSE it fits their personality (whatever) take a person who buys a smart car.

They may be concerned about the environment or be a tree hugging left wing nut job who believes they're going to stop global warming.

what about a big huge jacked up deisel

That would be your right winged gun loving nutcase who would put his elk antlers on his grill if that was legal. (Just an assumption don't get offended! P.s. I would love that truck)
When it comes to this guy...

And his fiat, well that brings a new breed of personality to the car buying world. To me a person owning a fiat flat yells out I'm different with almost a demand of respect. It says I've read and seen all the Harry Potter movies but could care less about star wars. It's a guy with nerdy glasses but not nerdly educated. A hair bunned big glasses librarian lady who becomes a man's sexy dream when the glasses come off and the hair comes down. The biggest thing is they are clueless when it comes to asking for help when their problem was totally unavoidable. Does this guy not have a clue of what he is asking for?

Ok ski passes? I thought he needed financial help?? Obviously only working 40 hours a week is exhausting and that 300 dollar car payment doesn't pay itself. And they need ski passes? Again this is another example of a clueless person not knowing what to do when a financial hiccup comes along which is really easy to fix. He still has a job so it's not like he's not making money.

Here is my suggestion. Get rid of the fiat asap. The automaker has only been reintroduced into the US markets since 2009. OF COURSE they're going to have problems. They don't have enough time to prove they're anything but a lemon. Your down 3 grand right? Try to
Sell yours for the max dollar you can. If you sell it and have less than 3 grand left on your loan your AHEAD. 2nd buy a car outright. For 3 grand you can buy a decent car with "heat" to keep you warm through the winter. Yes I know you don't have the money. I haven't written about  this yet on my "classes" but I have discovered a creative way to loan yourself. There's two options 1 find out all the available credit on your credit cards. As long as your not already forking out too much on high interest credit cards use those as a loan. How?? Well first of all absolutely no cash advances. They are not worth it instead because you are working put all of your expenses on those credit cards but make sure you take the amount you would of used out of your bank account in cash or transfer it to a savings account. Continue to do that over several weeks until you have an amount that you can use to buy a car outright. The 2nd option is to apply for a
Zero introductory interest cash back credit card. With this you'll have up to 12 months to pay off the balance. Again use my system of loaning yourself the money through using the card solely day to day purchases keeping track of every purchase and backing it up with cash or savings that you will use as your loan to fix this problem. IF all else fails there's always the option to surrender the vehicle. Yeah your credits destroyed but then for the next 7 years you can really learn how to become an independent person who can live without loans and have his stuff paid for. What's wrong with that??
Anyways I have rambled on way to long and since I don't know how to do a great close of this post I'll just end it with this.

There you have it your winner of the November I can't afford it award.
Next month we will have two winners December's and 2015 grand winner.

 which really doesn't mean anything.