@yhwhismysalvation Definitely sell...9000 a month that's a crazy amount to pay every month. Try pay off your credit card/debts as quickly as possible and DONT take out any more credit - you are wasting money on interest every month, it's just not necessary.
@yhwhismysalvation You have a serious credit problem. Ditch the 9k car, cut down on the phone and aggressively pay off your credit card. Spend 6 months focusing on reducing your credit commitments and debt and you’ll be in a much much better place
@yhwhismysalvation Can you tell us why you own 2 cars? What was/is the reasoning behind this?
Even though you want to be sensible with your money, you also need to be happy with what you end up having.
If you bought it coz you don't really like the Suzuki, then tell us. To us outsiders it's easy to say sell the expensive car, but we have no idea why you bought it in the first place.
@yhwhismysalvation Okay, I'm sorry if I'm being slow here, but you'll have to clarify again. Was the lifestyle decision specifically to have a 2nd car? Or was it to have a better car than the Suzuki? You made your decision for a reason, think of that reason, and how can you still meet your needs and leave with better financial health. Did you want a bigger weekend car? If so, consider using some savings to buy an older used car cash. Did you want a "fancier" car? If so, sell the Suzuki and keep the Toyota. If you struggle to find valid reasons for yourself, then yeah ultimately sell the Toyota.
@yhwhismysalvation sell the toyota - it’s gonna free up so much room. one thing my gran always taught me is to never just work for creditors - and i’ve always kept that in mind when i think of taking out something.
that R9000 you’re paying on the toyota can go towards your credit card and can open up an annuity or emergency fund.
