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Perfect storm of car problems
Posted: Jun 27, 2012
Hello: just having a mini breakdown about car problems. My van is in the shop and I have to pay $500 deductible for repairs from an accident.
The real issue though is my sister's and my niece's cars. My sister's car needs about $945 in repairs. My niece's car is basically blown engine an not salvageable. They want help to repair their cars, and I told them no. This is a long story but I can not help them, and it does make me sad but I have my own money woes. My niece is 23 and knew 7 months ago her car was in trouble. She lazed around and did nothing and now has no car. My sister's car is 2004 and 190,000 miles. She is on disability so not out living it up for sure. Her car needs a new computer and fuel sensor. It runs like a champ but won't pass emission testing without the repairs and so cannot renew tags. My son thinks he can do the repairs but parts still cost $300 plus have to still take the car to the dealer for a $100 programming fee; none of which my sister can afford. I paid the diagnostic testing fee of $100 today.
What a mess. My niece is in tears. She is really clueless about life sometimes. She doesn't know what to do. There is NO public transportation in our town. They live half an hour from me, and I cannot be running them around. I wish my niece would have got off her rear end and got a full time job. She works parttime and has bad credit so cannot get a loan on her salary. She could have traded in her car when it was running but no dealer will take it now. She wants me to cosign a loan and I said no.
Sorry for the pity party. I cannot tell the long story of the whole situation but I do feel like I have had to harden my heart on this. I love my family but enough is enough.
;
a place to ask for help - BTDT
[ In Reply To ..]You can ask for help - actually each of you can ask for help - up to twice in your life. It saved my life when my car died and I had no one to help me.
Modest Needs:
https://www.modestneeds.org/index.asp
Cars - Sister
[ In Reply To ..]Thank you so much! I had my sister check out the website, and she is going to apply to see if they will cover the cost of repairs. I had not heard of this organization. I do not need the help so will not apply. My niece is on her own as far as another car. We did agree to cosign $5000 for a used little car, but she is none too happy with a little bitty beater car. Thanks so much for pointing us in this direction. My sister feels like it is an answer to her prayers.
Car - Humble
[ In Reply To ..]Why can't your niece buy a new bicycle or a secondhand two-wheeler?
If you have not already co-signed the loan - please reconsider
[ In Reply To ..]You will almost certainly end up paying the loan yourself. If your niece couldn't be bothered to solve her financial problems before she needed the car, what makes you think she will suddenly become financially responsible now? There is no incentive. You're on the hook to pay the loan when she stops paying. She already has bad credit. If a bank won't trust her, why would you? It is NEVER a good idea to co-sign a loan, and it is an even worse idea to co-sign a loan for someone who has a bad financial track record alreasy. Please reconsider if you haven't already signed the papers. This could turn out to be a nightmare for you.
Your niece won't learn anything if you keep bailing her out. This looks like a good opportunity for her to learn to be responsible for herself. If there are no consequences to her poor decisions, she will just keep making them. Let her figure it out.
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