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@jesussaves7763 Didn't save any money for our kid's college when they were young and had more kids instead. Never grew up with the concept of having to have X amount of money before having / adding a child nor with the concept of saving for a kid's college education. Had six children in total...

@neco Hey, friend. Welcome. You're right in that feelings / mindset have a lot to do with finances. I'm doing better now, but my years in real poverty have marked my psyche in ways that other people here get. On the other hand, that doesn't mean you can't benefit from some stuff on this sub...

@malkah18 Oh you're right - mathematically it'd be better if we switched things around. Just don't want to rock the boat. Just like on this new vehicle - the only reason we decided to do it rather than buy a used car was the extra $2500 from GM, the low interest rate, and being able to secure...

@malkah18 Part of our analysis of why we got in so much debt "back in the day" - was only doing minimums and figuring as long as we could do that we'd be fine. Back then the rates were 18% so needless to say, it cost us plenty. After we got in deep trouble and came to the realization we had to...

@tim1451 That's a great question. Honest answer - it's a mind game. Originally I had no choice - back when they were on much higher interest cards, those were the minimums and then in our beginning steps to get out of debt we kept it simple by locking ourselves into to continue to pay those...

@valerie22 So you currently don't pool your money together? How has your budgeting been done in the past? To me, an outsider, it seems possible this is could be more an emotional / control issue than a financial one. If "you" paid for X, Y, Z and now are asking frugal him to pay for part of...

@seang I agree that in a perfect world we'd have a enough cash to buy outright like we have before and move on. I think we're at a different viewpoint though because depreciation isn't an issue for us since we will keep it and drive it into the ground - so we're looking at 200,000+ miles for...

@seang ROFLMAO - social reasons?!??? If only you knew... :D :D :D :D Thanks for the unintended laugh. In both our professions, our families as well as our ridiculously tiny social group - what someone drives is absolutely the least thing anyone cares about. Believe it or not - we have very...

@ouad I agree it doesn't - we've been on both sides - this last vehicle was $8k, cost us over $1k in repairs, only lasted 14 months and is now toast. We can't afford to take another hit like that right now. On the other hand, the one before that cost $6k, only needed minor repairs and...

@aletheiapraise Having a kid is an act of faith in your ability to adapt. If everything goes well, baby is bf, you have resources to use / clean cloth diapers at home, and someone is giving you hand-me-downs, then after a crib and carseat - a baby is practically free for the first few months...

Been a couple weeks and thought I'd share how it turned out. First - thank you for all the input, it made me carefully review things and helped in discussions with my spouse so we felt more confident about our decisions. We ended up purchasing a new vehicle but not the one we'd been looking...