Long story short, I had a fall out with my dad and his alcoholism and I'm cutting ties with him and, by proxy, my mother. I'm sure I'll maintain contact with her but right now I don't really want to speak to either of them and just want to clear my head. I've thought this though and even if it's not the most financially responsible thing to do, I'm not going to change my mind. Considering I had the literal exact same argument with my dad a month prior and how he promised that things would be different between us, I can't trust him any longer to honor his word or to change his habits. I am planning to leave without saying anything as I don't want my mother trying to body block my car as I'm trying to leave, which she did the last time I told them I was leaving. I just want to leave with no notice.
I have $2,000 in a savings account and I have a Nissan Altima that is probably about half paid off. I can check the exact number later.
I'm not sure where the title is (it's probably in a folder in one of my parent's drawers but I don't really have the time to comb through all of it just to find my car title) but the car was bought in my name. I don't really care for the car and honestly did not want it but my parents insisted I trade in my old car and they got me a new car for a 'present'. I don't care for it really though and just want to sell it for money.
I'm thinking asking my mom for the title is not going to work for my plan (she will just try and stop me from leaving) but, legally, the car is in my name so I should be able to sell it, correct? I'm not looking for any comments on the morality of this and if you guys really do want to know, I have given my last 8 scholarship checks to my parents of which each totaled at least $4,000 (my first 2 semesters I had even more scholarships which equalled about $5,000 back) so I have basically paid for the car myself.
I want to sell this car to have money to keep myself afloat for the next few months. I live in TN so rent isn't that bad but I still don't think $2,000 will cut it as a safety net. I've been a full time student for the past 4 years and I'm about to finish my final semester. I can probably squeeze a job in this semester and I've been trying to find an internship but didn't find one this summer, otherwise I would have a job.
This isn't about me trying to fuck my parents over. Like I said earlier, I have given them my past 8 scholarship checks and I'm not lying. They have definitely given me money over time but sacrificing something like spending money so that my parents could run their business more smoothly is kind of a big deal IMO for a college student (I could have been living VERY comfortably). I don't want to hear anything about how stupid this was either--when I agreed to give them this money I did so without the knowledge that my relationship with them would crumble.
Whether you believe the car is morally mine or not is not really my concern--my concern is whether or not I can legally sell the car that is in my name (I was there when the car was picked--funnily enough my parents insisted I get a new car but then they chose the car for me, even though I was the one who basically paid for it in the end). Please refrain from talking about anything except my question at hand. If this isn't legal or possible, then that's fine I'll consider it a sunk cost and leave the car at home. I'm not trying to steal from them, I just want to cut ties with them.
Also, I don't live at home. I'm simply visiting from school and my dad thought it would be a good time to fuck up our relationship. Rent right now is $640 because I live on campus but I'm fully willing to beg them to break my lease so I can live further away from campus where rent can drop to close to $400. However, this does mean I will need a car to commute to campus--I was thinking about searching locally for a camry or another cheap but reliable junker car. But that's not really my question and kind of off-topic.
At this point, I think the best thing I could do with my current car is just sell it, buy a cheap car, and pocket the rest to be used as a safety net. I'd say there is about $15,000 paid off (considering I've given them ~$32,000 in refund checks, I'd say this car is rightfully mine anyways). There are slight damages that I never really bothered to fix as a result of living in a city (side swipe damage, I think some asshole keyed my car for some reason) so that might reduce my resale value. If I filed a claim through my insurance it would just increase my parent's premiums and I'm trying to get out of my relationship with them with as little tension as possible and to keep it within the law so I'm fully willing to take a hit to resale value for these damages. I'm not going to give my dad an excuse to bring this back on me somehow.
I wanted to post this as early as possible because I will be closing my bank account on Monday and withdrawing all my funds (it's a local branch my mom wanted me to get when I first made a bank account when I was 15) so I have to do that before I leave.
I have a credit card with a small balance that I plan to pay off as soon as I get my finances in order. Nothing to sweat about though.
Thank you all.
Submitted July 30, 2017 at 01:32PM by yawa_worht1234 http://ift.tt/2ua1VFe
