I had to put part of the down payment on a credit card (under 1k), but it was still way more than I wanted to put down, and near the most I could possibly put down. Citibank Driver's Edge Card's gonna be sending me some money though, ahahah.
So the first thing on the list is getting the card paid off. Then it's getting the 87 sold, then paying down a good deal of the financing, and finally, maybe a couple performance mods. Not much though.
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