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Author Topic: Who is broke AF right now?  (Read 70 times)
Dave Gray
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« on: December 04, 2019, 04:05:32 pm »

Completely anecdotal, but I'm broke.  ...just short on liquid cash, because of a host of reasons.  I have house stuff, I went on vacation with the family, holidays, some other stuff.

But also, everyone around me is broke.  I have noticed a bunch of people packing their lunch at work that normally go out, etc. 

Is it just the time of year?  Is anyone out there more broke AF than usual?
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VidKid
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« Reply #1 on: December 04, 2019, 04:23:11 pm »

Not that time of year for me. Always broke    Smiley

and it's been tighter than normal for the last year.. year and 1/2 for sure.

   
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Spider-Dan
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« Reply #2 on: December 04, 2019, 05:25:17 pm »

I actually had a major windfall recently.

Some of you may be aware that I purchased a Chevy Volt back in 2016.  A few months after I bought it (with less than 4000mi on the odometer), the infotainment (radio/navigation/etc.) computer died and the dealer replaced it.  Time passes, the bumper-to-bumper warranty expired back in spring of this year, and in August the infotainment computer died AGAIN; dealer said it would be $1500 to replace.

I complained about twice having to replace a part in under 4 years that should last the life of the vehicle, and the dealer suggested I call GM Customer Support.  They forwarded me to their CA Lemon Law department, who reviewed my service history and decided to purchase the car back from me.  They requested a statement from the lender with all of my payment history, then added the down payment to that total.  They subtracted ~$1100 for a "usage fee" (based on the mileage the first time I had the problem) and gave me back the rest!  I delivered the car to the dealership, and GM paid off the remainder of the loan.

In total, I paid $1100 to drive the car for ~3.5 years... except that I also received ~$9000 in EV rebates.  So basically, I received almost $8000 to drive the car and then give it back.  Needless to say, I was pleased with the outcome.  Especially since my expectation was that GM would do nothing and I would have to eat $1500 to replace the computer, then likely sell the car at around break even with what I owed.

I took the money I got from GM and did some home repair I had been postponing, and also got a replacement for the Volt:

« Last Edit: December 04, 2019, 05:27:27 pm by Spider-Dan » Logged

CF DolFan
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« Reply #3 on: December 04, 2019, 06:14:10 pm »

Very nice when things go bad and you come out better for it.

I'm a little tight for similar reasons as Dave but most people I know are doing well. Seems like this time of year many people are stretching their budgets. 
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« Reply #4 on: December 05, 2019, 11:40:39 am »

Yep, Nov & Dec.  Always does it for me.  Ended up buying a 2019 F150, my wife not working anymore. having to hold the fort down sux but hey gotta keep it moving
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« Reply #5 on: December 05, 2019, 11:49:39 am »

I'm doing the best financially I've ever done.  My old job cashed out my stocks I had with them when I left, which left me with a nice nest egg, and at my new job, I'm making more money than I've ever made.
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BuccaneerBrad
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« Reply #6 on: December 05, 2019, 02:24:49 pm »

I'm a little tight but not totally broke.   Between Thanksgiving and Christmas I tend to go overboard.   However, due to love life complications, I will not be buying as many gifts this year.   
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