A quick run down of my situation before i go into my plan. i'm currently in college (leaving next semester because of my situation) my parents never wanted to support me and now that i'm twenty seem to think that i should no only be going to school full time but paying all of my expenses with absolutly no help from either of them. I moved to VA from NY out of a bad situation with my mother into one thats bad one by my fathers choice. (he won't let any memebers of my family give me any finacial help. and he refuses to give me money to teach me a lesson of some sort.) and now i have until july to be making enough money to move out and have a car to get around. all this he told me last month after having my computer hacked and finding alot of things i wouldn't want my own father to see (but had he asked i would have let him know ABOUT it... but thats another story) i have a job that doesn't pay too well... they can't give me many hours at my current location... but had i a car i could pick up hours at other locations or get a job someplace else altogether. the pay isn't bad.. just the small amount of hours they give me. i'm stuck in a sort of paradox.. i need a job to have money.. but i need a car to make more money and i need more money to get a car... and thats ignoring the fact that if i don't get a car and make more money then i'll either be homeless, or living with family. both pretty bad... as the one i'll be living with has a house that constantly had people in and out of.. mostly males...i have zero privacy/comfort there. and i'd rather not clean up after nast men.. i love my cousins but the bathroom looks like they just sat down and scooted like a very bad dog. my father has promised to buuy me a car. he's a mechanic of a pretty high level so he's about the only person i'd trust to pick one for me anyway. (the only thing i can say for him is that he's kept every promise he's made to me... that said.. he makes very few...) but have to pay everything else for it. from insureance to gas to wiper fluid. i would just save for the 2 months minimum i need to pay for the first month of gas.. registration and insurance... but it's getting cold out here fast.. i've been biking it everywhere. while it's done wonders for my cardio, i have a lingering cold from the nice chill of the changing of the seasons. My current plan is to pay it all on credit and just be in debt for the month or two making payments until i'm making enough to to pay it off. (i have applied for and gotten a mastercard just for this purpose. it'll be just for car related things after this application. just in case anything happens, and to keep track of how much it's costing me... i never want to owe more than the thing is worth. and best way i can think of it to have a running paper trail even if i pay it off every month.) provided my father follows through with getting me the car anyway. i just want to have the all cemented and written down before i call him up. He likes a plan and has had serious credit problems in the past... to the point where he'll be VERY upset that i even have a credit card. the total amount of debt i'll be in will be around.... $500 right off.. and my credit limit is $3000. apr on that card is 10.99% (tell me if thats a good rate... i've never used credit before) and the day i have everything settled i'll be calling around for more hours at my job's other locations and applying for work at places i never bothered to before because of not being able to get there. i've already made up my mind about school.. once i'm making a decent amount of money i'll start taking classes again.. i won't be full time like i am now (and failing out because i'm trying to work as much as possible). i don't have any kids... little obligation to anyone else. and aside from the $50 a month i pay of my $350 rent (my father covers the rest. only fair as he never asked if i wanted to move for the second time since january. just kinda let my uncle show up with the moving truck at 8 am. not that i didn't know about it. but i was told very little.) i don't have any expenses recurring. (( my 5k in student loans will be deferred for 6 months after i leave school so it's not an current concern. it will be but i should be in a much better place by then. )) opinions? tips? I thank you all in advance. ---- edit. well... i was looking for a litte reassurance on if i was going to screw myself over with this... sure it's not the best deal in the world.. but so far no one has pointed out any serious flaws... :: sigh :: if i ever have kids i'll never put them trough rings to prove anything to me.. at least no rings as life changing.