Cars X Girl

Well, for a little while in my college career I was a finance major. I found personal finance, found I was good at it and figured I’d study it for a while. Chemistry wasn’t working out for me anyhow.

I’m not a finance major anymore, but I still manage the money. I have huge plans and projections that go out to the end of the year and a bunch of crazy stuff that it seems most people ignore.

Afford or not?

Personally, I feel like our biggest victory is not owing a single penny on any of our cars, both the cars themselves and their modifications.

It’s our hobby and we don’t borrow money to fund it, it’s all taken care of. Debt? Not here. The credit cards are just tools. (Mine’s my favorite tool, it gives me cash back. )

Most people seem to assume that we have car loans. I usually don’t even think of what people do or do not pay for cars. I tend to assume people have car loans, too, just because that seems to be how people are… “Car loans are a part of life.”

What if they weren’t? Nobody bothers to ask that. You need a car, cars are expensive, where else will you get the money? *shrug*

Digging the hole…

So most people have car loans. That could be good or bad, depending on whether the person can admit how much they can or cannot afford.

Then there’s the other side of people that I do NOT understand at all: building cars on credit cards.

Seriously. Any time I hear that I want to ask the person, “Are you absolutely freakin’ retarded?!?”

Then again, I guess it goes along the same lines as the silly pretest things they make you do for student loans… The “you do realize you have to pay this all back, right?” Um, duh. It’s a loan.

Odd Disconnect

I guess people have this disconnect with cards and real money. For me, spending cash is painless… Spending on credit? That’s my money, lol.

It’s even worse when the people talking about modding cars on credit don’t even have anything good…

Or the sad story of a guy with a heavily modified S2000 and the car ended up getting repossessed. Tell me how much that sucks making huge credit card payments for mods on a car you don’t even have anymore.

I just don’t get it. My husband’s the kind who would, and he’s tried explaining it to me but I just don’t see it as a viable option. It’s so extra expensive that the benefits are far outweighed by the costs.

I suppose it’s because I’m a horribly patient person sometimes. I can be patient as long as I have a plan. Americans, as a whole, are very impatient… Now, now, now!

Affording Better

Basically, I want to avoid all the debt I can, because I want to afford something better.

Better, like these pretties… Because I can. Easily. Just give me a few years to straighten myself out, find the career for me (I now have a good idea of that…) and start working on it.

My first Ferrari will probably be one of her. (Oh, and I LOVE this photo...)

I still do want a 360 Modena, but I want her to be my track-only Ferrari. (Yeah, that's also affordable.)

No mention of Ferrari is complete without my favorite 550 Maranello. This is the Ferrari for me!

I still want my first Ferrari before I’m 30…

Or maybe my 30th birthday, just to give my plans a bit of cushion.

Meg

In 2007, Meg began learning about cars. Two years later, she had a very modified '97 Miata and a '90 240SX project car, as well as the Rookie of the Year autocross title. Life now completely revolves around cars and she wouldn't have it any other way. CarsxGirl is her way to encourage others to get into racing (it's not horribly expensive!), to document & share her car builds, an outlet to share & improve her automotive photography skills and to show that real car girls do exist!

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