I'm wanting to buy a car so that I can see the girlfriend more at the weekend cause she is mega hot and above my average and I fancy hanging on to her for a few sprogs, but JPA is messing me around pay wise and I'm bein paid half what I should be so I'm finding it difficult to save up for a decent car as well as get the train from camp to hers. Also with the cost of my insurance bein over a grand a year (perhaps being a squady?) I dont know if it would be worth trying to get finance. I applied for a loan with abbey and was turned down so I'm guessing my credit rating is crap, probably due to me being late paying my credit card twice when I was on AT. Finding it hard to get decent advice from family/mates as it seems civvies dont understand some of the wee problems (proof of civvy address when I dont live there, payslips when JPA aint workin for me, not having the time to sort it all out) How can I get my rating back to good so that I wont mess up getting a mortgage etc? Any tips to get insurance cheaper? Finally, should I just get a second hand car rather than try and get finance if they would accept me for it? Soz for the long post but I'm bit out of my depth when it comes to money talk.