Yes Perna... that is why I was going with the lesser cost of the ford transit cargo van... AAA will give me 2% interest on full loan IF I buy it without any changes.... and I can barely afford that.

I don't do well with used vehicles. IDK what it is... maybe my aura gets into old parts and breaks them ... and the vehicle I have is so old I spend all of my reimbursement monies on keeping it going (nicely I might add, thank God).
I haven't needed my personal health insurance in a number of years... if I had saved all that monthly money I could afford even a tragedy now... sigh. I mean, the premiums are so high I could stash thousands... if I didn't spend it on a vehicle for a while that is... I must wait for this Congress' allowances... I should know by November what the hospitalization premiums will go up to for next year... that will surely help me determine if I should take a chance and cut it out. Hey, I can always rely upon working taxpayers to pay my medical bills couldn't I??? can't get blood out of turnip.

I do have excellent credit.... and plenty of unused credit (all of it actually) because I HATE BILLs and BALANCES... only on my mortgage right now and that bothers me.