<<I recently graduated college in December and got a good job in Atlanta this year. In midst of the excitement I decided I NEEDED a new car and proceeded to apply for credit at several banks and credit unions in a search for the best APR deal I could find. I got approved by most but in the end decided it would be smarter to live in "the real world" for a few months before making such a big financial decision. >> Congratulations on your caution before diving into the consumer junk market! And congratulations on acquiring a good first job after completing school ---that's often a tough transition.It sounds like you are on a roll. My one suggestion would be to do some serious thinking about what you plan to do with the rest of your life. Most people wind up married, with children and with a lot of financial demands made upon their limited income. You presently are in a situation where you may be able to begin an intensive program of saving and investment which can pay off big time over the years, giving you financial security and personal freedom that many people, trapped in the rat race, can only dream about.Or, you can dive into the consumer junk market for whatever pleasures it might provide. You might want to consider reading through some of the posts on the Living Below Your Means and Early Retirement discussions boards for a view into an alternate universe from that of ardent consumerism. Good luck ---Seattle Pioneer
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