mothman.

I’m not even from West Virginia

[tearlessrain]

having anxiety is like being given permanent unwanted custody of a halter arabian. like okay buddy is it panic time again. cool you probably need more exercise and an apple and then maybe you'll calm down.

[tearlessrain]

taking my stupid walks for my stupid mental health with my stupid hypervigilant brain horse

[tearlessrain]

thoroughly enjoying the notes on this post because it's equal parts people with anxiety going "yeah that's what it's like" and people with arabians going "yeah that's what they're like"

[sanddancingwithanxiety]

Literally fucking both lmao

[givemeunicorns]

Can a higher level adult please explain car financing to me? Like I've never had a car payment, I've always paid cash for my cars and I have no idea what I'm doing

[wickedlittlecritta]

ok so car financing is incredibly arcane and i don’t know everything about it, but some things i remember from buying my car:

look at the sticker price rather than the estimated payments when deciding if you can afford it--sure, they’ll tell you $250 a month, but for how long?? a sticker price in the $15k-$25k range should get you something with a monthly payment around $2-$300 a month without going on forever

the “no money down!” thing that a lot of dealerships do sounds great but isn’t long run. put down as big a chunk as you can upfront. it’ll make your monthly payments either less or fewer of them.

go through an actual dealership if you can. they’re going to be less likely to try and screw you and will probably be able to run multiple different financing options for you all at once and find the best one, and sometimes their own financing department will have good deals going (getting a new car also gets you the benefits of only needing to expect routine maintenance costs as well as having shiny new warranties).

remember you can walk away. if they’re refusing to budge being willing to walk out is a powerful tool. they want to make the sale, and you don’t owe them shit at this point. tell them thanks but no thanks, and go to the next dealership. they will call you back in a day or 2 with a better offer.

and go at the end of the month! they’re trying to meet sales quotas and will be willing to negotiate more just to get the car off the lot.

most car payments will have autopay options these days. i personally didn’t opt for this since i liked to drop bigger payments whenever i could to pay it off faster, but ymmv. you can also refinance if you originally go through the dealership finance for a good upfront deal so that you can move it to a local credit union for a better interest rate at a later point

[givemeunicorns]

okay this is suuuuuper helpful actually. Like I've literally just...always paid the whole price up front for my car??? So looking at a potential car payment it New and Scary

[wickedlittlecritta]

car financing is designed to be as obtuse as possible, but it really isn’t that scary! it rapidly just becomes a new bill.

also! if you have an appropriately masculine looking cis dude around bring him with you. he doesn’t even need to know anything about cars, some places are just less likely to try and pull a fast one over him.

and as someone else in the notes mentioned definitely test drive a few different cars to make sure you get one that feels good to drive and has all the stuff you want. i’m personally a dodge/chrysler fan (to the despair of my actual car nerd friends), but anything japanesse or south korean is probably going to be a good bet for a reliable and inexpensive car. toyota simply makes corollas to outlast the heat death of the universe and we have to respect that

[wickedlittlecritta]

also also, you can go to your bank and get pre-approved ahead of time so you know exactly how much they’ll give you for a loan, if you don’t want to go through the dealership

[givemeunicorns]

Thank you! Yeah I've bought cars before, so I knew all that bit , my brother is so excited to be my Chosen Car Shoping Man, but I've just always paid the whole price upfront because I live the used car life. So the whole concept of a car payment is foreign and upsetting. Thanks for all the good info!

[wickedlittlecritta]

everyone should have a Chosen Car Shopping Man, mine desperately wants me to buy a Mazda 3 and I am tormenting him with my love of Dodge Chargers

[i-am-the-mothman]

ex-fucking-cuse me i love my mazda 3

[millennial-review-deactivated20]

[highlandvalley]

[thehugwizard]

[sonnearchive-deactivated2022120]

If you're celebrating Biden's win, consider celebrating by donating to a bail fund, planned parenthood, or the Navajo Water project.

Your action to help the marginalized shouldnt end at presidential candidates and voting.

[blockpain-deactivated20210824]

[catastrofe]

[gorgonsach]

[antigonics-deactivated20221102]

gay pride cat

[telnaga]

them: you know, it’s hard to date you, because you’re always taking and captioning brooding pictures of your chicken

me:

[picsthatmakeyougohmm]

[5nkc7hdrl-deactivated20180324]

[cr-familiar-faces]

Windex isn’t carbonated 

[cr-familiar-faces]

[killin-the-machine]

The use of the princess bride implies that they’re both windex

[pinsir]

it also implies that op developed immunity to windex

[mmbixler]

[queeranerys]

i love deep space nine because sometimes it asks questions like “during occupations do ‘comfort women’ inevitably become collaborators” and “is it okay to kill people to save the galaxy from other people” and “when religion decides bad things are okay what should you do about that religion” 

and sometimes it asks questions like “how much fun will this episode be if we make a shuttle craft really really small”

[threewayradio-deactivated202005]

my tumblr clique is just me

[weirdnessisgood]

[millennial-review-deactivated20]