#yap yap yaaaaappopp

[ps1]

Congrats on your new dream car!!! Thats really impressive and I hope you enjoy it as much as you can!!!

I don't want you to say about your private life and what you do, but can you share some tips or things you did that helped you to save money for something like that? Did you did something else than just saving into an account? Thank you so much, and congrats!!!

First thing I did was get a personal loan to pay off my credit card debts. My loan was $6000 to get that out of the way. Paid all my credit cards off, so I only have a monthly loan payment of $150. Be careful, and ensure the loan interest isn’t high. I went through my credit union so it isn’t ridiculously high like some online lenders like onemain financial or lending club. Do an unsecured loan! Do not use a car or other valid thing as collateral. Try your best to get an unsecured loan with a high amount as possible to try and pay as much of your debts off as possible.

Second, this may not pertain to you or whoever will be reading this. I sold my truck. I wanted a Supra so bad that I decided to get rid of my main transportation. Sounds terrible but selling the truck would make a huge down payment for a $65k car. My truck was still in great condition and low mileage (I only drive to work and home). I did hop to different car dealerships for a good price. I used Kelly Blue Books as my main source for the price of my truck. This is where I had to use my fallout barter skills to raise prices lol. A lot of dealerships are buying used due to tariffs coming to USA soon, so they are trying to raise their used car stock for people wanting a “new” car they can afford. Lucky for me, my truck is in high demand here in Hawaii LOL.

Third, live frugally. I went beyond saving, and lived like I had “no money”. I only paid my monthly bills, and moved the remainder of my check into savings. The sooner I can put 20% down on my new car, then I won’t have to uber to and from work. My job luckily grants me 20 free rides per month with uber or Lyft. Other than that my mom drove me to and from work with her car, thankfully she works close to me! Money saving was my hardest part. I kept my credit cards at home so I wouldn’t use them either.

Fourth, I recycle cans and bottles. Been doing that forever! If you don’t spend what money you get from recycling, it does add up. My piggy bank from recycling and tips from work added up to around $500 in total. Takes a while for it to add up, but I would toss the cash in a jar and forget about it.

To note: my credit is good, not great, but a bigger down payment would help tremendously with financing the car to have a lower interest rate and monthly payment. I am only paying $600 for the car since I paid a little over 20% of the car.

To summarize because I’m a yapper:

Pay off debts.

Commit to living frugally.

Save every nickel and dime you can.

Over compensate how much the total of the car is (like fees, taxes, insurance, add-ons) so you can calculate how much money you can put down/save for it.

Use a car loan calculator online to help you!

Hope this helps. It did help me a lot. I have managed to do this within 3 months by the way. I waited for the next credit report refresh so my credit score did go up, and made the car buying process a lot easier. The best time to buy a car as well is around this time, a lot of dealerships are bringing in their new year vehicles and are trying to sell through their current stock! Another reason I did this quickly was because the Supra will be discontinued after the 2026 models. I lost my chances at the Nissan GTR, so I was determined to get the Supra before it was too late.