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Posted on 8/3/14 at 10:59 am to lsu xman
Mine is 612.00 per month and the wife's is 450.00. Mine is so high because I was underwater on my previous POS Nissan Titan that was always breaking so I took the hit to get a better more reliable truck. Mine will be paid off in December and then we should have the wife's paid off in less than a year.
Posted on 8/3/14 at 11:53 am to Cajun Revolution
My wife's car is an 03 civic and I have an 05 f-150. We are both due for new ones but I have enjoyed not having car notes for the past 5+ years.
Posted on 8/3/14 at 12:13 pm to N2cars
quote:This makes no sense.
Financing a car almost never makes a lick of sense, even at 0%. Write the check and move on.
quote:
The absolute worst decision is leasing, but anyone that can do math knows this.
If you know you'll only keep cars for the short term, leasing is just fine.
Posted on 8/3/14 at 1:50 pm to shel311
quote:
If you know you'll only keep cars for the short term, leasing is just fine.
Keeping cars only short term is a bad financial decision in itself, regardless of your method of payment.
This post was edited on 8/3/14 at 1:51 pm
Posted on 8/3/14 at 2:34 pm to h0bnail
With all of the people on here who say take the 0% financing, and invest your cash......I wonder how many of them ACTUALLY have the cash anyway. I'm going to go with not many.
Posted on 8/3/14 at 2:38 pm to Sprocket46
quote:
With all of the people on here who say take the 0% financing, and invest your cash......I wonder how many of them ACTUALLY have the cash anyway. I'm going to go with not many.
well, you have more potential cash to invest at financing at 0% than anything greater than that, paying interest is like unknown high blood pressure, it's a silent killer
Posted on 8/3/14 at 2:56 pm to Sprocket46
quote:
With all of the people on here who say take the 0% financing, and invest your cash......I wonder how many of them ACTUALLY have the cash anyway. I'm going to go with not many.
Most people who have the credit-worthiness to finance a forty thousand dollar car at top end rates have some amount of cash they could put down.
Posted on 8/3/14 at 3:03 pm to shel311
quote:
Financing a car almost never makes a lick of sense, even at 0%. Write the check and move on. This makes no sense.
What make NO SENSE is not taking free money. Even at a shite rate of return, I can make more than 0% with that money. What makes no sense is pissing that away just to say it's "paid for". Why do you think insurances take so damn long to pay claims?
I also put EVERYTHING I can on my credit cards to get rewards. I never carry a balance.
Posted on 8/3/14 at 3:58 pm to lsu xman
My boss financed his truck for 12 months to get some special incentive. Ended up with a $5,000 a month note. Hes going to pay it off in after 3 months.
Posted on 8/3/14 at 4:03 pm to Sprocket46
Are you ignorant? 0% for cash on hand, spread out.
Posted on 8/3/14 at 4:12 pm to lsu xman
I had a $1100 car note several years ago. Toyota Sequoia, with no money down, financed over 3 years at 1.9%.
It's been four years since it's been paid off, and with 100k miles on it currently, I expect to drive it for another 7 years.
It's not the note that gets you in trouble, it's the fact that people buy cars every 5 years, or buy a car too far out of their price range.
It's been four years since it's been paid off, and with 100k miles on it currently, I expect to drive it for another 7 years.
It's not the note that gets you in trouble, it's the fact that people buy cars every 5 years, or buy a car too far out of their price range.
Posted on 8/3/14 at 4:24 pm to N2cars
quote:
The absolute worst decision is leasing, but anyone that can do math knows this.
I don't like the idea of leasing, but that isn't true
Posted on 8/3/14 at 5:00 pm to liz18lsu
quote:
Are you ignorant? 0% for cash on hand, spread out.
Whoah now.
Posted on 8/3/14 at 5:02 pm to The Third Leg
quote:
Most people who have the credit-worthiness to finance a forty thousand dollar car at top end rates have some amount of cash they could put down.
Some doesn't equal all. I'm talking about people who can write the check and be done with it.
Posted on 8/3/14 at 5:25 pm to Rox
ouch, factor in gas and insurance..$1100 bucks a month ...To Drive/?????
Dave Ramsey would not be pleased...lol
Dave Ramsey would not be pleased...lol
Posted on 8/3/14 at 5:25 pm to aaronb023
This is the last car I buy new and the last one that isn't paid for with cash.
Posted on 8/3/14 at 6:19 pm to Saints72
quote:
Dave Ramsey would not be pleased...lol
Uh... Mom?
Posted on 8/3/14 at 6:20 pm to Saints72
Dave Ramsey is an idiot
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