What’s the message? Don’t just try to jump into a car note because you got yourself a cute job. Save up your money and buy cars for cash. You don’t have to “look” like you have money to feel good about yourself. You can just have some fuckin’ money. Save up $1500 for a car, then save another $1500, sell the car and buy a $3k car. Repeat this process until you get to $10 and 15$k. Now you’re driving the same car all of your broke ass friends driving only you’re not worried about a note. You’re never worried about a repo man. Never worried the new thing they do where they can CUT THE FUCKIN CAR OFF. Don’t be like the rest of the idiots, move from the hoop, to the slab, then to the foreign. To be honest wit you on some Houston shit…..you might wanna just stick wit the slab and upgrade that shit. That’s it for Financial Fridays this week. Thug life!
Ha! That post is everything.
I recently was having a conversation (very heated) with someone about financials. You see, I have done that flashy thing. Walking around in 300 dollar pants and 300+ dollar bags and as much as I love nice things that flashy life just does not interest me anymore. I want to be a millionaire by any means necessary and I will not NOT be one because I couldnt hold on to my money! Recently, I land a nice cushy job. Making twice as much as I use to and I swear I still think I dont make hardly enough. I have this thing where I dont congratulate myself a lot but thats a different blog for a different day. So, here I am with this chump change so I decided I was finally going to treat myself to a new car. Now, currently I drive a 2007 cobalt. Its not in the worse condition but it does need some fixing (around $1500 worth which is laughable because I could easily pay and get that done… which I am going to). So I was in this state of mind that instead of getting this car fixed (a car that I still owe $4700 on) I could just get a new car. Now, usually car dealers want 10% down. Some how, some way I was able to talk a dealership into putting like 5% down which was around $1800. So I was sitting here about to buy a whole new car while I already had a running car that required less money to fix than this new car would have been costing me with a $450 dollar car note. So that would have been instead of $400 a month out of my pocket for a car note and car insurance about $900. I really had to take a step back and check every part of my life. I havent been to Italy, Germany, Singapore… anywhere… But I was willing to start paying all this extra money for something I really did not need. I could however, put that extra money towards my car and pay it off this year.
I just really think living the American Dream and being wasteful are all in the same boat. You’re (at least I am) forever looking at what someone else has trying to figure out how you can get it. When in reality you already have “it”. You have it in the position you have it in and that needs to be good enough, I mean this blog isn’t for someone making $9/hr. You still need to work hard and aim higher. Get that college degree and sit cushy for a second. Sitting cushy for a second pertains to all of us. Why be wasteful with money. Fuck what everyone else has. Does it really matter? I rather have at least $30,000 saved up and then go drop some money on a new car rather than having $10k saved up and dropping money every month for 2 car notes.
Now back to the conversation, the boy said “look at what youre driving I can tell how much you make, Im a fuel engineer Im always driving something new”. Oh, cute for you. But you dont own a home or have the education I have which gives me value. If you ever leave your cushy job you wont have the knowledge to go into your career field (lets just put it out there he works for the navy). He would definitely have to get education, unless he stays in the navy his entire life which is great! Good for him. But we live in 2 completely different lives.
Dont judge me because I decided to not go buy that new expensive car. He said “Im always driving something new”. Pretty sure I have enough saved to where if I want a new I would have a new one. But I decided not to. i am not about the flashy life. Yea one month I may buy a 1k bag. But that would have to be a big reward and some good saving. I am just here for something different. I am trying to make my money work for me. Not the other way around.