Or, alternatively: I make bad car decisions all the time.
I have a car with a pretty high monthly payment ($420). I was thinking about refinancing the loan so that I could have lower payments, because i could use more money every month. I have 15k left on it (out of 24k-ish at the start). Is this a good idea? Or should I just deal with it? Mostly considering this so that I can pay student loans and move out of my parents' house as well.
What I've read so far is that if I have decent credit, then it will help me lower my payments, and that there is little additional cost. Then again, that info is from bank websites, so...probably not exactly truthful. If this is a good idea, are there any loopholes or gotchas that I should be aware of?