I've just skimmed this entire thread, and I can honestly say this is some of the craziest **** I've ever seen on the internet. I don't post much on forums, and I especially stay away from forum/internet drama, but I really felt compelled to make a response post.



I'm not totally convinced that this isn't a giant troll thread. If it weren't for the spattering of pictures, I'd honestly think it was 100% troll. However, since there's a decent chance that OP is a real person, I feel compelled to make a post.

OP, you have a decent command of written language. You can use punctuation, capitalization, paragraphs, decent grammar etc etc. You can obviously read and write at a decently high level. This is precisely why I still think this may be an elaborate troll thread. I've never seen someone who reads and writes at your level also make such poor decisions. I can't square this circle. You've made, and continue to make, incredibly poor financial decisions. The debt you've incurred will continue to grow and will have a negative impact on the trajectory of your life. You will be in extreme poverty for the rest of your life if you don't course correct immediately.



OP, based on your ability to read and write, I believe you must be decently intelligent. Therefore, I'm going to explain what happens when people borrow money at interest. The interest on a loan is calculated daily based on the amount owed on the loan. The annual percentage rate (APR) is that daily rate multiplied by 365 days in a year. This is what compounding interest is, and why it's so hard to overcome. At the end of the loan you end up paying A LOT more money than you originally borrowed. For example, if you borrow 10k at 25% interest, and the length of the loan is 5 years, the total cost of the loan will be $17k. In other words you will have paid 7k to have access to 10k. This is why it's nearly impossible to get out of this debt loop. You'll be stuck in this cycle for the rest of your life if you don't do something about it quickly.



This is how loan sharks make money. They're "selling" access to money to people who don't understand what that really means. And OP, if you aren't trolling, you either don't understand the consequences of borrowing this money, or you don't care. The consequence is that you'll be in unmanageable debt for the rest of your life. You will be in poverty for your entire life if you continue this way. At some point in your life you'll be unable to have gainful employment due to age etc. If you are in debt and have no income, then you'll be in a really tough spot when that happens.



To help you understand the loan cost I would highly suggest playing around with this loan calculator on the internet: https://www.bankrate.com/loans/loan-calculator/



However, if you don't care about the consequences of borrowing money like this, then we have need to have an entirely different conversation. It seems like you have some pretty strong issues with impulse control which causes you to disregard your future in favor of car parts in the immediate. This is utterly baffling to me and makes me wonder if there's some sort of issue causing this behavior. I'm not trying to be mean, but you really need to consider getting professional help in this regard. At the very least, a fiduciary would get you on the right path.



As a side note, lending money at exorbitant interest is called usury, and was outlawed in Western Civilization at one point. However, nowadays it's back in full force. That's why something like Affirm is allowed to exist. The people running Affirm know exactly what they're doing by taking advantage of people who don't understand loans. They belong in prison.



OP I'm strongly urging you to stop spending money you don't have. If something costs $10, and you only have $5, that means you can't afford it.

 

man, i will never seek professional help, but i love to talk, and u may be the pro lol. I deleted that first stuff, cuz bingo! I dont care, but deep down i do, i just have the impulse problem. I have actually have been thinking about, how i need out of debt. I even remember thinking of the others in this thread (that are correct), coaching me. The problem stems from the fact that i tried really hard to get rich. I was making investments, and unfortunately doing bad stuff too. I got arrested, and lost my investments. To put it short, id have over ten million, and im broke as hell. I dont even like talking about it, i lost all access and just started working...

After almost making it, then not, then the economy getting worse, i feel defeated. I dont want to do illegal stuff, and it's so hard to save just working! I also did alot of drugs in high doses when young, and i cant even drink man! My body cant take it. I may could have one, but i feel horrible. I guess just imagining the future, where its even more expensive to race, and the roads are heavily monitored for speed. I just want to live now! Ive spent alot of my life not living, and i hate working and being in debt, but i could die tommorow and im pretty happy for now! Ive been trying to have sex and not a gf, went to few music festivals like the old days, im working out and running on rocks. i even went in more debt and got some pirelli sottozero 111's! I tried to hit the snowstorm, and it didnt snow in KY like they predicted. So i took them off, and put my bridgestone potenza re980 as+ back on. I like them alot!!! New all season. It doesnt chunk as bad as conti dws 06+, and maybe slip on ice more, but they give you confidence and fun on ice still!

i got my red cars trans all done. I really am trying to pay some cc's down. Dude is right.. and im not like on my deathbed lol. I still need to consider the future..

 

 

Ohh and thanks rc, but i feel like i need to go back to english class, and have screwed punctuation and run on sentences. I can however, speak very professionally, type very fast, and i have a care for quality and im ocd. It can take me extra time to learn something, but i usually learn it good.. I also have five felonies, and am good at math and managing costs😁😁 and businesses lol. If anybody wants to pay better than an electrician 😆. I really would manage a businesses costs better like a machine lol.

my rent has gone up, and pay has gone down. The original 1000 a week pay, was temporary scale pay. I just imagined working my way up to that, by now anyways. I only make about 750 a week now. Maybe i should lose this rental house, and travel to work and make real money. Im not sure i want to quite yet, but i could.

 

Finally a little content for the people who helped me, as i sat here and asked! Lol. Hopefully u all want it. I got more, but prob leave it at that.

 

My man, you're an inspiration to all of us. In your world with a speckled past, unfathomable debt, questionable life decisions, and a blatant disregard for consequences, you just keep doing you. Money comes and goes. Glory lasts forever. Ignore the haters, my dude.

 

hahaha, hell yeah, thanks heel! Im going to try to balance things. Working overtime on the road, does seem like sacrificing part of my life lol. I still might do it someday.


Edit:
ohh and btw guys, my z1 undertray has went thru alot, the snow excursion finally bent it so bad, it turned into an engine snow scoop. Before that, it was already bent and damaged. I mean it's not a horrible product, but I'd prob never buy one again. The TBW performance, dude recommended, and said his friend makes. i can tell they will hold up better, and bend less easy. Hopefully they will catch less easy too.