Well, after much MUCh searching, haggeling, stressing, trips to the bank, and calls to the ins. agent, yesterday, I bought a vehicle!
I am the proud owner of a 2000 Ford F-150 truck, with 14K miles. WHEWWWWW HOOOO!
Its Burgundy, with all the features I could want. I still gottta tint the windows and have the alarm installed. It was a lease vehicle, and I got it at CarMax. I paid 13,500 for the truck and My payments are $340 a month for 48 months. My ins. is $80 a month. All an amount I budgeted for. So it was exactly what I could afford. I am so excited. I am now terrified I'll wreck it or it'll get stolen.
Thanks to EVERYONE on GC who posted words of encouragment and advice. So I didnt have to go into it blindly. Thanks you guys!