Dealing with finance people...

Ugh! I did our taxes today and know exactly what we can offer to buy out T's lease. I want this stressor gone. Unfortunately the car company is not as stressed over this. They would rather be nincompoops (sp) than to accept our offer. So, we have to either pay more than this truck is worth, partially finance another one, or turn it in, pay the penalties, and get a beater car for T. I so do not want a car payment! I want 2009 to be the year of smart financial moves. I want 2009 to be a step forward. I am going to pray for guidance and that we make the best decision for our checkbook and our family.