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Posted by christiancarguy on 4 December, 2010

This post was filed in Automotive, Car Payments, Christian Living and has no comments yet

What do you do if you’re buried in car debt?

Is there “Life” after car payments?

Buy lipitor without prescription, What do you do if you owe $10,000 more than your cars worth?

What about all these web sites “How to Never Make a Car Payment”

Or Freedom from car payments

Does the Bible have any answers?

Back when I was training in how to sell leasing one of the come-ons I was taught was, “If you are going to make car payments for the rest of your life, you might as well keep them as low as you can by leasing”. Lipitor for sale, If you can’t hear the hiss of the snake in that one, I hope you will by the end of this article, compare lipitor prices online. Find cheap lipitor online, Another device we would use to sell folks a new car was lowering your monthly payment by selling you a new car an extending the payback time. For example taking you from a 48 month loan to 60 months or even 72 months, lipitor free delivery, Cheap lipitor, the longer you went the lower the payment and naturally we would sell an extended warranty and gap insurance to make sure you were all covered, (If I only knew then what I know now), cheap lipitor no rx. Lipitor overnight shipping,

The longer the loan the longer the enslavement, based on Proverbs 22:7 (New King James Version) “The rich rules over the poor, buy lipitor internet, Lipitor buy drug, And the borrower is servant to the lender. “

Matthew Henry ads more insight

“The borrower is servant to the lender, and makes himself very much a slave to this world, buy lipitor without prescription. Christians therefore, generic lipitor online, Cheap price lipitor, who are bought with a price, should not thus, lipitor bangkok, Order lipitor in canada, without need, make themselves the servants of men, buy no rx lipitor, Lipitor rx, 1 Co. 7:23, order lipitor cheap online. Purchase lipitor online, “1 Corinthians 7:23 (New King James Version) You were bought at a price; do not become slaves of men.

By now you may know you’re in a place financially that has enslaved you but how do you get out, cheap lipitor in usa. The answers of getting out are as varied as how you got in and “What’s God’s way out” is the Big question? The great news is Buy lipitor without prescription, : I know He wants to help, but you have to ask. Compare lipitor prices, So ask, not me, lipitor canada, Fda approved lipitor, but HIM. Spend time in prayer and reviewing the scriptures and asking Godly advice, lipitor online. Cheapest generic lipitor online, The most important thing you can do is take it to Him. Though I will share some strategies and possible pros and cons associated with them, order generic lipitor.

1. Keep on keeping on.

This one is good, especially if you have but a short time to pay, the car you have is well suited to you and your families needs and it has also been reliable, buy lipitor without prescription. Where to buy lipitor, This one may not be an option if the payment isn’t affordable, you leased or you have a significant amount of negative equity, order lipitor overnight delivery, Cheap lipitor in usa, (you’re upside down).

The plan is to simply just keep making those payments; it will be paid off soon and you will be once and for all out from the slavery of car debt, compare lipitor prices online. Buy lipitor in canada, Once you are done making the payments keep on taking the payment money out of your budget every month for future maintenance or transportation needs. It won’t be long before you have amassed a large sum to pay for any maintenance needs or even purchase another car and pay cash, find lipitor no prescription required. Buy lipitor without prescription, AHHH I wish all were this simple but if you can do it, this one is awesome, just don’t get pushed into another car payment. Buy no rx lipitor, 2. (Dave Ramsey Style), bail out and buy a beater

In this strategy you sell the vehicle you are making payments on and get another loan to finance your negative equity, order cheap lipitor online, Buy lipitor us, (the difference between what you sell your car for and the amount you owe on the car). Plus you add in a couple of thousand for an inexpensive used car, lipitor from india, Lipitor pill, Dave refers to as a Beater.

Here are a couple of examples of how this looks both good and bad, free lipitor. Lipitor no rx, Good Example: 2007 Grand Caravan that you still owe $20,000 the value of it is $10, lipitor us, Lipitor for order, 000 your payments are $580 a month

Finance the $10,000 negative equity plus $2, canadian pharmacy lipitor,000 for the inexpensive used car you now finance $12,000 for 3 years payment is now $370.00 at 7% with no Car, but you left yourself a $2,000 for a beater.

The maintenance costs excluding tires would be mid $300 a year on the Dodge vs, buy lipitor without prescription. mid $400 on the beater.

Realistic savings $200 a month $7,200 over 3 years…probably not a bad plan based on what you actually can sell the Caravan for and the quality of $2,000 cars you can find to replace it with.

Bad Example: 2007 Kia that you still owe $13,000 the value of it is $3,000 your payments are $400 a month

Finance the $10,000 negative equity plus $2,000 for the inexpensive used car you now finance $12,000 for 3 years payment is now $370.00 at 7% with no Car, but you left yourself a $2,000 for a beater

Annual maintenance costs excluding tire mid $300 on the Kia vs. mid $400 on the beater

Realistic savings $20 a month $$720 over 3 years… Not a good plan in my opinion and you may have a whole lot less reliable car for your money????...

3. Pay as much as you can when you can.

This plan tends to be the most workable for most folks in my experience, since many times negative equity accompanies credit challenges which keeps you from the Dave Ramsey Style bail out and the keep on keeping on plan would keep you in bondage years and years. Buy lipitor without prescription, With this plan you just keep adding to your monthly payment every time you can in order to reduce both the time and interest. Naturally it takes the most discipline, but it may well be God’s way of teaching you that a lack of such discipline got you into this mess to begin with. When you can double up it’s great and you can get into a routine of saving for two or three months then sending in two the fourth month and on it goes. Just remember even if you double up this month it doesn’t automatically excuse the next month. So be sure and communicate with your lender to see if they take the payments off the front or the back so you know where you stand both in your payment schedule and interest. It’s sometimes helpful to ask their advice on how to best speed up the pay back process and save the most money, buy lipitor without prescription.

Over the years I have seen many a family bail themselves out of a tight squeeze using this one. Now you can go on and keep making payments into a fund for future maintenance and or another car you can pay cash for.

These are the ones I have personally seen and I know I don’t have all the answers and would dearly love to hear your plan or inspiration, so please help others by posting it here. I know the Body of Christ can use all the help we can get in this area…blessings Robby