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I never brought blame into this. If someone brings blame into finance they’re fighting battles and making the very kinds of poor decisions that they espouse to abhor. We all have our savings journeys to make and I never brought mine into this. It was a simple question about bad advice I was...

@trulyunsure Not to sidetrack, but you’re telling me poor people put 5 figure sums away without neither a plan for what it goes towards nor massive pressure from the moneyscum to give it to them for something or other? And I have made it clear the plan is to pay off the debt before accruing new...

@captainfarkus Not a “new” new car i.e. out of the showroom. A budget of 5-7k, and I’m looking to clear the 5k debt first anyways. I was asking about the “don’t tell the Credit Union it’s for a car” advice. It feels dodgey and I’m not doing it. Am I right? Also I see you don’t have ADHD. How...

@broker50 I’ve had that happen with my current beater a few years back. I managed. The question was about the advice, not about the viability of getting a new car in the first place.

So I’ll be looking at a new car in the next few months (single M with parents earning 32kpa gross, 5k loan getting paid off so there will be space for it). The advice I’ve got is to tell lenders “it’s NOT a motor loan.”, basically taking a “personal loan” instead because of supposed lower rates...