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Delay in New VIP Levels Due to Corona Virus

T-Dot-Traveller

TUG Member
Joined
Jun 10, 2015
Messages
2,662
Reaction score
1,451
Points
248
Location
Canada
Resorts Owned
Mayan Palace Regency
Taranova
....... I'm assuming that my husband will make nothing the next to years and my teacher's salary is all that we will have, so if I need a new car, which is likely within the next 2 years,
Hi cbyrne 1174,
If you end up needing to buy a car - there will likely be some pretty good financing deals .
Think 84 months at very close to 0% .
I know you live carefully : so after mortgage & food - try to figure how to keep the great family time ,that your Wyndham ownership has allowed

*******
We bought 2 Hyundai’s that way (2012/ 2013) The payment will be around $250 * ( cdn $ quoted)
You will be upside down for part of the loan - so change the oil alot & drive carefully. Most cars will now last 180K miles ;so you should be OK .
* each was about $ 16 K - manual trans - air conditioning - Elantra’s .( Canadian $ quoted )

My 2012 Elantra Touring had its last payment in April 2019:- now has 180K and the air conditioning is a 2 summer
ago memory .( no air conditioning in a Canada summer isn’t too bad / except once or 3 weeks per summer).
I will drive it until the cost of a repair kills it .
 
Last edited:

cbyrne1174

TUG Member
Joined
Sep 1, 2018
Messages
780
Reaction score
602
Points
154
Location
Tampa, FL
Resorts Owned
497,000 Club Wyndham Points
Hi cbyrne 1174,
If you end up needing to buy a car - there will likely be some pretty good financing deals .
Think 84 months at very close to 0% .
I know you live carefully : so after mortgage & food - try to figure how to keep the great family time ,that your Wyndham ownership has allowed

*******
We bought 2 Hyundai’s that way (2012/ 2013) The payment will be around $250 * ( cdn $ quoted)
You will be upside down for part of the loan - so change the oil alot & drive carefully. Most cars will now last 180K miles ;so you should be OK .
* each was about $ 16 K - manual trans - air conditioning - Elantra’s .( Canadian $ quoted )

My 2012 Elantra Touring had its last payment in April 2019:- now has 180K and the air conditioning is a 2 summer
ago memory .( no air conditioning in a Canada summer isn’t too bad / except once or 3 weeks per summer).
I will drive it until the cost of a repair kills it .
I don't live in Canada like you. They don't pay teachers in FL a livable wage. Starting pay is $38,000 and average rent for a 2 bedroom apartment is $1300 a month. They also don't give us health insurance for our kids. For my husband, I was just going to pay the $600 tax penalty and not have it. I was going to keep my daughter's Medicaid for $220 a month. I make a few hundred dollars over the poverty line, so she can't get Medicaid for cheap that way. $250 a month is what I would have to cut to live off my salary without going into debt.

My husband has a job offer to start work in May for a health insurance company. I just don't think it will go through.
 
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