I am doing monetarily better without the car, not just because of the car

But also because you no longer come out to your car and find drunks sleeping in it?

I'm also standing in Allyson's corner. I'd love to own a home, but I would never consider it while I still have debt and I know I can't afford anything here on my own anyway. So, while I really sympathize with people that were flat-out defrauded, it bugs that somehow I'm supposed to feel sorry for people that bought something they couldn't afford.

Sure, but you're literally a PhD. You're going to have a better sense of knowing what you can and cannot afford than someone who is the target of predatory lending. In fact, I'd think a predator would be unlikely to target you -- you're just not good prey.

YAY, SOPHIA.

Lucky you! I wish I did too! Okay, maybe I don't wish to have the meth industry, but I can put most of the rest of it to use.

I meant to type 'hate' there. And the fact that I can't even accomplish that makes me hate everything even more.

But also because you no longer come out to your car and find drunks sleeping in it?

That is a plus!

My rescue hair attempt made it look better, but it's still not right. Even with Plei's great advice.

See how it looks after three days. That's my usual rule of thumb if home hair dye looks wonky. Most of my near disasters when I was still using chemical dyes settled down into something I could deal with after three days.

Regarding hot roots, you can still get them even when your chemical tint is a darker color than your own hair. If your scalp runs fairly warm, as mine does, a typical dye can overlift. Some dyes were worse for it than others on me, thus my love of the deposit-only colors.

Nutrisse has a good reputation for off-the-shelf color of the non-demi form.

you're literally a PhD

I'm not even figuratively a PhD, and I get that I can't afford a house. What I don't get is how people can do the subtraction and look at how much is left over at the end of the month and think "Sure! I can do that!" and sign in blood.

I would love to see examples of this predatory behaviour so I could see how misleading it is.

What I don't get is how people can do the subtraction and look at how much is left over at the end of the month and think "Sure! I can do that!" and sign in blood.

Because what they're shown is a payment they *can* afford and the math works out.

It's not really cute yet but

[link]

Baby elephant!!!

Because what they're shown is a payment they *can* afford and the math works out

But the math has to stop hugely short of reality, and I want to see that pitch, how they handwave over the fact that it's not sustainable.

How do the right questions go unasked?

You know what's hell? 6 months in, discovering that there was something that was supposed to be your responsibility but no one ever told you that it existed, much less how to do it and now you've got six months of a very tedious backlog to go through. In the next 2 weeks.

It's going to be close.