shortrounddev

In 2022 my car (a 2010 Nissan Versa) kicked the bucket. The engine was broken and needed to be replaced. Rather than spending even MORE money on repairs (I had spent a few thousand or so on various other parts at this point), I decided to buy a newer car that would, presumably, require fewer repairs in the short term.

I bought a 2021 Honda HRV for ~$20,000 at 7.59% APR. I pay $414 a month and have $16k left on it. I bought this car under the worst possible circumstances:

1. Used car prices were very high at this time
2. Interest rates were high due to inflation
3. I needed a car because my previous one had died so I didn't have the luxury of time

My hope, at the time, was that inflation would be tamed and interest rates would eventually be lowered, wherein I could refinance the loan. I no longer believe this is a possibility within the next 4 years or so. I was also hoping to find something small and cheap like a Honda fit, but I learned that they had stopped producing them. An HRV seemed like a sensible kind of car given the modest physical needs of how I used a car at the time

So, here's my question: Should I just sell my car for something older? Maybe like a 2015 or so? Or should I just stick with my current machine until it's paid off and try to refinance after 2028?

If I could go back in time, I would've sold the Versa in 2020 or so, before I had spent a bunch of money on repairs. Hindsight is 20/20 though

I work remote, but occasionally have to travel to New York City for in-office events. During these events I sit in a conference room with the rest of my team all day. We usually have a team dinner planned during the week or something.

Tuesday I got into New York and later that night we went out to dinner. This ended up going until 10:30pm, which is pretty late for me (I usually am in bed by 10). It was also announced that day that we would go bowling today (Wednesday). After a day of sitting in a conference room for 8 straight hours, I really didn't feel like going out with my coworkers or drinking beer til 10 or 11 at night. I told my coworkers I was going to skip it because I wanted to go to the gym and I made something up about having to file my taxes by tonight, but I think they generally understood that I just didn't want to go.

I also was never explicitly invited; we were just told "we are going bowling on Wednesday", so I think there was the expectation that I go, but I strongly feel that nobody should be obligated to go to an after-work event (especially since I already went to one).

How would you handle the situation? How do you get out of these kinds of events?