toss the car, pick up a nice beater

imagine where that 500 can go besides the car. put 500 a month into google :run:

 

HAHAAHA 1 share a month

 

its not about the shares or precentage...if it goes up 30 bucks, then you just made 30 bucks, plain and simple

 

my credit IS better, but i dunno if it would warrant a better rate. and like i asked earlier, is there a specific way i go about trying to get it refinanced, like a period of time i need to wait between when i bought it and when i go back? sorry, im a noob h:

well keep in mind this "beater" is most likely going to require some sort of financing. but im hoping to cut my $500 a month in half

 

How long have you had it for?

 

do you have a carmax or something?
you can try sellling to them

otherwise im kind of in the same boat as you but i know myself enough that getting a civic will make me depressed

 

refinance ftw.... u'll basically extending the loan term, but at least u'll be saving more per month

also, with a factory warranty, u have no worries.. if u get an older civic, probs might arise (altho it is easy to work on)... it's really up to u mang

 

never tried to refi a car before but used car rates are much higher than new. Doubt you would get better rates by selling the TSX for a cheaper car.

It is unwise to dump new cars within the first couple of years. You take a big depreciation hit. If you like the car and you are not in dire financial problems its probably better to keep it for the long haul.

 

after a while you get used to driving crappy cars :hs:

 

I'd wait at least a year and a half to refinance a loan from the time you got it, otherwise your rate isn't gonna budge much and it's not gonna be worth it.