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re: I did the financially responsible thing for once with vehicles.
Posted on 6/8/23 at 6:10 pm to DiamondDog
Posted on 6/8/23 at 6:10 pm to DiamondDog
quote:
I also reduced my personal expenses by $1000/mo between note, insurance and gas.
It was a tough step but I pretty much got a brand new car. I'm down to one car note for my wife.
No,
You got yourself a 1000/mo raise...good for you man.
That's how I looked at it years ago when I was debt snowballing.
Sold my fancy truck for a beater.
Used all that money to pay off a bunch of little shite and my wife's vehicle.
$800/mo raise and no vehicle notes at all for 3 years.
It's so liberating and addictive having no debt.
I do owe now still the house note and a small vehicle note at $247/mo and that's almost paid off and o ly has 70k miles on it.
That one move set me up for where I'm at today. Got ahead of a lot.
This post was edited on 6/8/23 at 6:11 pm
0
Posted on 6/8/23 at 8:25 pm to DiamondDog
No car payments here. I really hope these vehicles last until our kids are done with college. Probably not realistic, but I don't see how we'd ever justify anything given the current costs.
We have 2016 vehicles - A Tundra and an Odyssey. Combined new, I don't think they cost what a new Tundra would cost today.
We have 2016 vehicles - A Tundra and an Odyssey. Combined new, I don't think they cost what a new Tundra would cost today.
Posted on 6/9/23 at 9:59 am to DiamondDog
Whoever would down vote OP is a dumbass
Posted on 6/9/23 at 2:50 pm to coachLSU
I don't believe in car notes. We have a paid off SUV for the family and I have a 2002 Sierra 1500 with 62,000 miles on it for when I need to pick shite up.
Just replaced the belts, alternator, spark plugs, trans flush, headlights, and had the a/c recharged.
Runs like brand new and the paint even looks pretty good for a 21 year old truck. I think it should last at least 10 more years.
Just replaced the belts, alternator, spark plugs, trans flush, headlights, and had the a/c recharged.
Runs like brand new and the paint even looks pretty good for a 21 year old truck. I think it should last at least 10 more years.
Posted on 6/10/23 at 8:16 am to DiamondDog
While I somewhat envy those without a car payment, having something fun to drive has brought me so much joy. Its all about saving first, then using whats left to budget and include things for your own happiness.
I bought a new 2022 g70 and after trade in my note is 3% of my gross monthly salary. Its within budget, insane warranty, maintenance covered for 3 years..
if you really don't care about cars then more power to you!
I bought a new 2022 g70 and after trade in my note is 3% of my gross monthly salary. Its within budget, insane warranty, maintenance covered for 3 years..
if you really don't care about cars then more power to you!
Posted on 6/10/23 at 1:02 pm to AsTheBarnBurns
quote:Someone needed to say this. Saving and investing is great. But life has to be lived too. You won't be able to take anything with you, so do something (within your budget) that you love.
While I somewhat envy those without a car payment, having something fun to drive has brought me so much joy. Its all about saving first, then using whats left to budget and include things for your own happiness.
I bought a new 2022 g70 and after trade in my note is 3% of my gross monthly salary. Its within budget, insane warranty, maintenance covered for 3 years..
if you really don't care about cars then more power to you!
Posted on 6/10/23 at 7:30 pm to Big Scrub TX
quote:
But life has to be lived too.
You know, I expected someone to make this point with a higher end car. Not a Genesis G70.
I have a wife and two kids. A car right now is for my personal enjoyment, not my family's.
This thread isn't just about being financially responsible or reducing a note.
It's about others over self enjoyment. That's the underlying takeaway.
Posted on 6/10/23 at 9:28 pm to DiamondDog
How did you owe more money than you sold it for? Just paid off my Tundra and I could sell it for $30,000 easily tomorrow.
Posted on 6/10/23 at 9:55 pm to DiamondDog
quote:
You know, I expected someone to make this point with a higher end car. Not a Genesis G70.
Sweet dig bro.. the 3.3 is pretty sick actually. But you are correct. For better or worse I am single, no kids so car is fine for me. My point was: fun cars are out there that won’t break the bank. Gotta live a little.
Posted on 6/10/23 at 10:17 pm to AirbusDawg
quote:
How did you owe more money than you sold it for?
I reread the OP and nowhere does he state that. Unless I'm f ucked up.
Posted on 6/11/23 at 7:04 am to AirbusDawg
I had $20K+ equity in the Tundra.
Posted on 6/12/23 at 4:39 pm to AsTheBarnBurns
quote:
Genesis G70
Haven’t seen any up close, so I wasn’t familiar with that model. But this thread (any thread that mentions a car
) stuck in my head. Happened to see one in a parking lot this weekend and walked over to take a look. Yeah, it’s a nice looking ride… pretty unique styling. IMO, the South Koreans are atop the design and styling game these days. Enjoy. 
Posted on 6/13/23 at 1:18 pm to Jag_Warrior
At what point if any do you downgrade your insurance from full coverage to liability?
Posted on 6/28/23 at 10:20 am to RedHawk
When I was pulling my race car, I used an older truck that wasn’t worth a great deal and I could replace with cash if anything happened to it. So IMO, I wouldn’t fully cover an older vehicle, that’s not a collectible, and I could easily replace out of pocket.
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