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Posted on 2/27/19 at 9:11 am to lnomm34
Do you want me to find the contract & email you? I know, I thought it was absolutely retarded too. 
Posted on 2/27/19 at 9:12 am to Eli Goldfinger
My wife's loan is something like $600, but it's 48-month, zero interest and the only loan outside of our mortgage. Basically, all the cash we would have spent on it is collecting interest in a money market account while we repay at 0%.
Posted on 2/27/19 at 9:14 am to JayDeerTay84
quote:
Car notes aren't evil if done right.
Of course not.
Also, paying cash isn't the end of the world either. I can tell you it's typically a poor financial decision, but the "value" of not having a note is subjective, so that's ultimately up to the purchaser.
Posted on 2/27/19 at 9:16 am to Jester
quote:
My wife's loan is something like $600, but it's 48-month, zero interest and the only loan outside of our mortgage
It's also worth noting that discussing this stuff in terms of "monthly notes" is 100% a sales tactic, yet we all fall for it.
The only thing that determines whether or not you got a good deal is the purchase price of the vehicle. How you ultimately decide to come up with that money is a separate decision.
Posted on 2/27/19 at 9:22 am to Eli Goldfinger
Never over $350 after trade or down payment. We are not stupid and we don’t keep up with the Jones’. A vehicle is generally not an investment, since it’s loses value so quickly. It is nothing more than a means of transportation.
Posted on 2/27/19 at 9:22 am to slackster
quote:
Also, paying cash isn't the end of the world either. I can tell you it's typically a poor financial decision, but the "value" of not having a note is subjective, so that's ultimately up to the purchaser.
Exactly. $500 isn't that much money to a lot of families. My wife and I alternate getting new vehicles. Hers is paid for now with 55k on it. Mine will be paid off before it has 40k on it.
Some people consider not having old vehicles as a luxury they are willing to pay for.
Posted on 2/27/19 at 9:30 am to fallguy_1978
quote:
Some people consider not having old vehicles as a luxury they are willing to pay for.
My last car note was $710/mth. I'm not sure how anyone can determine whether or not that was a good financial decision based on such minimal information.
Posted on 2/27/19 at 9:30 am to Eli Goldfinger
Me: 2000 Toyota Tacoma, 127,000 miles, $0
Mrs Me: 2010 Santa Fe, 165,000, $0
Ride 'til they die
Mrs Me: 2010 Santa Fe, 165,000, $0
Ride 'til they die
Posted on 2/27/19 at 9:33 am to StealthCalais11
quote:
Do you want me to find the contract & email you? I know, I thought it was absolutely retarded too.
Just post what kind of vehicle
So we know to avoid it
Posted on 2/27/19 at 9:33 am to slackster
We always finance through a credit union on the gov site we work at, and sell our old cars ourselves, so final purchase price is all we care about. Every single car we’ve bought has been out of state, so with TTL...there is only one number. I’ve never gotten a deal on any vehicle, but it is exactly what I want so I know I’m not overpaying (for something I don’t want).
No I don’t want X, I’m _____ miles away, I’ll never see you again.
No I don’t want X, I’m _____ miles away, I’ll never see you again.
Posted on 2/27/19 at 9:33 am to fallguy_1978
Assuming you are saying the cars have a value of 90k total, that is a ton of money that can be in the market. However, if you are retired and it is your excess, then go at it. There is a accumulating part of ones life, then spending part.
Posted on 2/27/19 at 9:34 am to Adajax
What do y’all take road trips in?
Posted on 2/27/19 at 9:34 am to StealthCalais11
(no message)
This post was edited on 2/8/25 at 8:42 am
Posted on 2/27/19 at 9:37 am to Eli Goldfinger
My car $0
Wife's car $0
Spare truck $0
Will stay that way. All three have air conditioning and four wheels. They also go from A to B. That's all we need
Wife's car $0
Spare truck $0
Will stay that way. All three have air conditioning and four wheels. They also go from A to B. That's all we need
Posted on 2/27/19 at 9:40 am to Gaston
quote:
What do y’all take road trips in?
Budget, Alamo, Enterprise, Hertz, etc. Whoever has the best rate.
Posted on 2/27/19 at 9:51 am to HempHead
quote:
Are places really financing below 2%? That is incredible.
I mean if your credit is decent and you go at the right time of year you can get 0% financing from dealerships, though many will argue they don’t come down off the price as much but that’s a different discussion
Posted on 2/27/19 at 9:53 am to Eli Goldfinger
$1975 a month
This post was edited on 2/27/19 at 9:55 am
Posted on 2/27/19 at 9:54 am to Wishnitwas1998
I will take anyone here car payment if they take my childcare costs for one kid 
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