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Originally Posted by Andybaby
two people sharing one car is not an Impossibility, especially in my circumstances currently.
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This is agreed. My girlfriend and I are sharing one car - its definitely possible.
And I surely dont wanted to state that "there never was a reason to buy a car on credit" - a friend of mine depends on his car for his job. On could say: no car, no job.
Well - in a stupid accident his car got broken - but he didnt have enough money to buy a car. So he got a credit and bought the cheapest reasonable car he could found - the alternative would have been loosing his job, and I think we agree that a (payable) credit is better then "no job"..
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now its $450 a month in public transport, now its most defiantly economically feasible.
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Whoa, the public transport is expensive in the US... In Germany public transport (inside a city) is (in most cases) less expensive then the gas alone.
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the problem isn't credit in itself, its irresponsible users. a responsible person can use credit effectively to get ahead in life. but the choice is yours whether or not you want to use credit. no ones forcing you too.
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There I agree with you. I just believe that many credit users are not responsible with their credits - and sometimes its hard to resist the urge to buy something "on credit" (you really want to have it, you surely can pay it back afterwards") - w/o really thinking it through. And thus I believe one should consider a credit really, really good - and after that, reconsider it.