Well, 1st my crapy car breaks got real bad real fast(loud noise and rusty water lookin stuff on the car). All the parts needed to be replaced-not just the pads. We decided to wait 2 days until payday to pick it up so we wouldn't have to charge it(and it takes 3 days to transfer from savings). The next morning I go to take the kids to school in the other newer car and the wheel is all buckled in and won't turn! Kids late to school and one upset mom! Had to pay to get it towed to the dealer. So, I had to end up charging the brakes (0% thank God) to get the car right away. It took the dealer 3 days to get the newer car done! Good news (I guess) it was only $100-everything else was under warranty. 4 days later....my washing machine breaks down!!!!!!!!! We were so close to being debt free! Bye-bye Royal Caribbean cruise!