I need answers!?!

Question

Okay ladies i just want to know how this is possible? Like what type of jobs do you guys have to be able to afford life itself?? 
Im planning to buy a car next month and i need another stable and well paying job to afford the car and my other bills/necessities any jobs in mind? Or what is your coccupation that lets you afford this?

Answer

Your car payment shouldn't be extremely high if you have a good down payment. I'll recommend at least putting 10%-20% down of the total amount. Also be realistic on what you can afford. Sit down look at how much you make, look at what you spend in a month, look at what you're spending your money ON, cut back on things that aren't needed, with a car come insurance. Save save save save save. If you dont need it, don't buy it. I will always recommend buying a newer USED car and putting at least 3 grand as a down payment. Also, use coupons for EVERYTHING. And I cannot stress this enough, be REALISTIC and brutally honest with yourself on what you can afford.

Answer

Be realistic with what you can afford is my best advice

Answer

This ended up being a really long reply, sorry in advance!
It depends on where you live. My parents bought my car for me with bonds left by my great grandfather under my name when I was sixteen- it was from 1998 and about $3,500. I have had it for 6 years and have ended up putting about that much into it for maintenance - all minor things and routine things, but having to replace a wheel bearing every year adds up (the issue is common with the type of car). I’ve also been graced with a second car from my parents as a hand-me-down - they bought a “totaled” car at auction for about $1,500 and put in about $4,500 in labor and materials fixing it up - the Kelly blue book on the car is over $16,000 - so I got my mom’s old car. My husband and I are currently living with my parents, paying rent by doing chores and assisting with expenses. In about a month, we’ll be moving into the house of a family friend WITH my sister in law and her husband and child - $1,000/month in rent between the four (technically five, but the baby is a year old) of us. We’ll have to save up about $1,000 to $2,000 for the winter for heating. We’ll also have to pay for our own cable/internet/electric/etc. My husband’s job comes with healthcare, so we lose about $150 per paycheck to have that. My parents are being kind enough to keep me on their phone bill and car insurance until we can get everything sorted out. 
NOW, I have extremely unique circumstances. However, there are some things to be learned from what I’ve said. My parents were able to get an almost brand new car (2016, under 100,000 miles) for super cheap because they went to auction, not a dealership. My original car (now my husband’s) was able to be purchased at a used car dealership for super cheap - I also have a lot friends that have older cars in good shape with little mileage because they were bought off of elderly people who had only been using it to drive to the store and such. My husband and I are moving in with another couple to reduce our rent rate - we could never make $1,000 work on our own. His job has benefits available to him - I can have benefits as well if I’m willing to work a full 40 hours at one location. 
As for college specifically, apply for scholarships outside of your school/the government. When I graduated high school, my hometown gave me a $500 scholarship just for having lived there. I was able to get a $3,000 grant for multiple years because I was going to school to become an educator. Is living on campus out of the question for you?Living on campus can sometimes be cheaper than renting depending on where you are trying to live (my college town charged astronomically high prices because they knew that the college students that didn’t want to live on campus were desperate enough to pay the rates). And you can get grants and things specifically geared towards your room and board - my husband only had to pay for part of his tuition out of pocket (because of his family’s income bracket) and I got free room for working for res life. There’s also no harm in going to a community college first until you can save up some money, or just going to a smaller/cheaper school in general. My school gave free tuition to anyone from the county it was located in (part of that is because we had a high population in the area that did not go on to college).

I need answers!?!

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