How do people finance cars without having anxiety attacks every day? Asking for me.
Like, I’m probably paying a little over what I’d like to be budget wise for my car, but I don’t have too long left on it, I’m not underwater, and it’s been (mostly) great. But I feel like I’ve thought about the balance owed every damn day since I bought it. That number is in my financial spreadsheets eating a hole in my brain. I was up for hours last night just thinking about it. It gives me anxiety like I’ve never experienced before in my life.
I don’t want to lease or finance a car ever again. I’ve done both now in succession and I hate it. I’d rather go back to driving older cars that are paid for and fully depreciated. A couple grand here and there for repairs tossed on the credit card and then 0% interest balance transferred out is just way more palatable to my conscience. Trying to budget monthly payments for the next decade hurts my soul.