I desperately need some Financial advice

What Should I Do?

  • Get rid of the van

    Votes: 0 0.0%
  • Trade for an older van with better mileage

    Votes: 0 0.0%

  • Total voters
    2
  • Poll closed .

Reno89

All Star
Joined
Mar 8, 2014
Messages
1,635
Reputation
641
Daps
6,659
Reppin
Atlanta, GA
At the moment, I have two vehicles: an SUV that I still owe about $5,000 on, and a cargo van that I use for work that I still owe about $26,000 on. Because I am in the transportation industry, along with the fact that my van does 13 miles per gallon, I end up spending about $1,000 in gas every month how to make about 4000-5000 dollars.

As of today, my total expenses are about $3300 a month in bills. This is not including the cost of food, clothing, and repairs to both vehicles.

My Options
A. I could sell my van, and still owe about 10 - $13,000. However, I would still drive Uber, and do a few deliveries with local courier companies. This would save me about $500 a month on gas, almost $300 on my payment, and $250 for insurance.
However, I don't see myself making more than $3,000 a month by doing this, which can make things really tight financially. Furthermore, I have to do a a couple of repairs, and some body work before I can sell it.

B. Trading my van for an older, more fuel efficient vehicle. I would be able to make about the same amount of money that I'm making right now, but I would still save about $500 a month on gas, but that's it. Furthermore, I'm not at the point where I would be prepared 4 any repairs that would pop up in the first month or two. Furthermore, I still have to do the repairs in the body work to my current vehicle

C. Keeping my van. It would definitely keep my credit score intact. However, I would definitely be back at square one trying to keep up with all of these expenses.


I need all the advice I can get fam:mjcry:
 

King_Sage

All Star
Joined
Dec 23, 2016
Messages
886
Reputation
335
Daps
3,363
Get rid of the van. can you make the SUV work for personal and work temporarily? if you can, do that and save and pay off SUV. if you cannot use the SUV and make the same amount of money. sell both of them and get a cheap vehical you can use for both until you can afford to pay cash for a better personal/work car..

or keep SUV and trade in the van for a used one.
 

King_Sage

All Star
Joined
Dec 23, 2016
Messages
886
Reputation
335
Daps
3,363
You need to have that van working more. Hire another driver for a night shift.
I agree, only draw back to this I see is racking up the miles and depreciating the vehicle even faster.

OP - how much can you get for van private sell?
 
Top