Found a nice prospective new car today (a 2005 Ford 500 Limited!) but as with the motorcycle they said my income level and lack of loan history is preventing me from qualifying for financing alone...
Unlike my attempts at getting a motorcycle, I at least have a way in this time: Just gotta convince one of my relatives to co-sign with me! 🤞
fundraising for meemu friend, pet, gfm link
@ashreycakes 's puppy marley is having some serious stomach issues, and needs some testing and x-rays. they're looking to raise $800 to pay for it. unfortunately ash and their partner don't qualify for care credit so if you can help out, sharing or donations would be super appreciated!
transportation / money / ugh -
I'm literally paying, on average, about $400-500 per month for car maintenance and gas...
But when I apply for financing on a nice, economical motorcycle, the banks say "Oh no, we don't think someone of your income can AFFORD to pay $100-$150 per month for financing INSTEAD of that"
And I ask my wealthier relatives to loan me money, I can see they saw the message, but 10 hours later still no reply. So much for 'family'.
transportation / money / ugh -
I've determined that my car just isn't a viable means of commuting anymore.
If I can't secure a loan for a motorcycle by the end of August, I will have to quit one or both of my jobs, and look for work within walking distance of my apartment.
I just can't justify the amount it's costing to keep my old rustbucket gassed up and roadworthy, just to GET TO jobs that barely pay for that cost and rent.
I'd be better off if I worked HALF as many hours w/o using a car.
On a side note... anyone reading this in a position to loan money right now? lol. But no, I'm totally serious here.
Keeping my car gassed up and roadworthy is eating up most of my disposable income, so I REALLY want to get a motorcycle ASAP. 😩
Is there something like GoFundMe but for LOANING money instead of donating it?
You know, for charitable people who eventually want their money back, or for people who need money but are too proud to not pay it back (and who, like me, were rejected for loans or financing from the banks for not having a high enough income level?)
And if such a thing doesn't exist yet, is this going to be my million-dollar idea?
Today I learned that no matter how good your credit score is (730+, in my case!) if your annual income isn't high enough, you CANNOT get approved for financing on a motorcycle 😭
(Except at like, 25% fucking APR, but that's ludicrous)
I don't know what I'm supposed to do, unless I can get some of my wealthier relatives to loan me the money? Keeping my car gassed up and running eats up SO much of my income that I CAN'T save up to replace it. Argh.
Wish my local motorcycle dealer carried THESE, then choosing my first bike would be easy. 😕
Also are bushes what chickens slept in before people built hen-houses and domesticated them??
I have so many questions.
When I left for work today, there was a pair of CHICKENS wandering around the small yard in front of my APARTMENT COMPLEX.
... THEY ARE STILL THERE. Sleeping peacefully in a bush just outside the front door! WHOSE CHICKENS ARE THESE!? Where could they possibly have come from???
brb I'm going to go set out some bird seed for them.
The bad news..
... Now I just need a way to actually learn how to ride, and to get my full endorsement ASAP.
Problem is, all the state-sponsored classes are full until mid-October.
I could get on a WAITING LIST for a Harley-Davidson sponsored class in late August, but it would cost over five times as much as the state class.
I could otherwise find some way to learn and then take a separate Skills Test, but none of the bikes/scooters I WANT would be eligible to use for it...
"Riding as though you're invisible" shouldn't be hard for me, though.
As a non-androgynous nonbinary, demi-bisexual I'm already used to being invisible. 😏 😉
(Also I'm used to every other driver in Ohio not paying attention to a damn thing they're doing, regardless of how 'visible' the cars, lights, and road-signs around them are)
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