SEFCU really wants me to buy a car with their money 💰🚗🤔🗑

Apparently I’ve been tagged as interested in buying a new car. While my big jacked up truck isn’t that old at nine years and 90k miles and I plan to keep it at least one more year, I have been spending some evaluating my options and occasionally clicking through ads to see the fine print for the teasers.

While I’m not even sure I will own my own car come the end of next year – or if I’ll get new tires and have various suspension parts repaired or replaced – SEFCU has decided I’m somebody who needs to be followed around the internet and blasted with twice a week emails promoting their low finance rates, mainly because the fed rate is so low these days.

I tried to get off their list – but I am apparently not allowed to – unless I unsubscribe from all important bank and credit card account notices. I guess I could set up a spam filter but I just find it so obnoxious that the automated marketing systems are following my every move.

I also can’t imagine financing an automobile or anything that you throw away every couple of years. Cars while they are nice are basically just landfill fodder full of rust holes and dents with worn seats and falling apart controls and buttons after a decade. Borrowing and paying back money for something you end up paying to have buried in a landfill every few years just seems wrong.

I could to a certain extent see financing land or even a farm tractor and implements but those kind of things can last for decades and can make money that exceeds their debt service. Definitely there are plenty big ol John Deere 40xx series tractors still in use on dairy farms across Upstate NY, and they haven’t been manufactured in a quarter century – to say nothing of many other old rigs from the 1960 or even earlier like the Ford 40N. But most mechanical things are just garbage, to be used for a few years and thrown away and shouldn’t be financed.

Honestly, while cars are fun and I make good money these days, I enjoy saving money and looking more forward to eventually owning that off-grid farm property – and not spending so much money on landfill fodder.