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re: Any baw making $739/mo car payments?
Posted on 1/6/24 at 9:39 pm to lsu xman
Posted on 1/6/24 at 9:39 pm to lsu xman
Last two vehicles I bought recently I paid cash for both. All joking about the Yugo.
Son was going to turn in his Lease which he uses for his job. I bought it out 2018 Nissan Frontier loaded Pro 4x4 leather. I bought the lease for $18,500 with 15,000 miles. I got it lifted, bigger tires, and it is my more of a toy vs everyday driver at this point. I put $8k in lift kit, tires, new sound system, new front & rear bumper, winch, and exhaust. It is not practical for a daily driver.
2023 Nissan Titan New paid $46,459.
Midnight edition with leather as my everyday driver.
Sold my bass boat and had the cash to pay for it vs higher interest rates. I have not seen rates this high since the 1980’s or early 1990’s.
Son was going to turn in his Lease which he uses for his job. I bought it out 2018 Nissan Frontier loaded Pro 4x4 leather. I bought the lease for $18,500 with 15,000 miles. I got it lifted, bigger tires, and it is my more of a toy vs everyday driver at this point. I put $8k in lift kit, tires, new sound system, new front & rear bumper, winch, and exhaust. It is not practical for a daily driver.
2023 Nissan Titan New paid $46,459.
Midnight edition with leather as my everyday driver.
Sold my bass boat and had the cash to pay for it vs higher interest rates. I have not seen rates this high since the 1980’s or early 1990’s.
This post was edited on 1/6/24 at 9:49 pm
0
Posted on 1/6/24 at 10:12 pm to blueboxer1119
quote:something’s wrong then. There are no loud Lexus vehicles
and it’s loud as frick.
Posted on 1/6/24 at 10:30 pm to lsu xman
I kick myself every day. I can afford it easily but still hurts because it’s just wasted money.
I pay around 2800 for three jeeps. Two with 1100 5 year notes and the other with a 500 five year note. I do have a 2000s era truck that is paid off that I drive and will keep forever.
Trying to figure out how to trade the two newer jeeps in without taking a bath. Looking at numbers it’s a bit of a wash since trading in for an older cheaper car will put my notes about the same as I pay now so what’s the point.
I pay around 2800 for three jeeps. Two with 1100 5 year notes and the other with a 500 five year note. I do have a 2000s era truck that is paid off that I drive and will keep forever.
Trying to figure out how to trade the two newer jeeps in without taking a bath. Looking at numbers it’s a bit of a wash since trading in for an older cheaper car will put my notes about the same as I pay now so what’s the point.
Posted on 1/6/24 at 10:31 pm to lsu xman
Not car payments but I’ll be damned if I don’t pay that much to my insurance every month.
Posted on 1/6/24 at 10:47 pm to lsu xman
Paid off but it was $290 month before I added extended warranty went to $335 month
Posted on 1/7/24 at 2:53 am to lsu xman
Nope.
Posted on 1/7/24 at 5:50 am to lsu xman
Life is better on the no payment side of life.
No, it’s not “normal” to have car payments.
No, it’s not “normal” to have car payments.
Posted on 1/7/24 at 5:52 am to lsu xman
Mines not quite that much but it's close.
frickin thing better last till my kids die of old age.
frickin thing better last till my kids die of old age.
Posted on 1/7/24 at 7:16 am to DownshiftAndFloorIt
Have a 2021 4Runner that I bought new in May 2021. Our payment is $405 a month and will be paid off this spring. I had a four year note at 3% but made some extra payments and will carve a year off. I would've kept my truck which was paid off but when we found out kid number 2 was on the way I needed the room and went back to an SUV. I'm hoping to run that thing for a long time.
My wife has a 2013 Rav4 and it was paid off back in 2017 and she is still running it. I'm hoping we can get at least two more years out of it before she needs something new. She pretty much just drives it to and from work which is about 40 miles a day of interstate driving. It's been having some issues the last two years or so, but it keeps chugging along.
I've mentioned this before on other car threads but when I bought the 4runner, the dealer brought out the numbers sheet that included trading in my truck and cash and they didn't even put 4 years as an option for time frame, it was all 6-8 years. When I asked them for 4 year numbers they looked shocked.
My wife has a 2013 Rav4 and it was paid off back in 2017 and she is still running it. I'm hoping we can get at least two more years out of it before she needs something new. She pretty much just drives it to and from work which is about 40 miles a day of interstate driving. It's been having some issues the last two years or so, but it keeps chugging along.
I've mentioned this before on other car threads but when I bought the 4runner, the dealer brought out the numbers sheet that included trading in my truck and cash and they didn't even put 4 years as an option for time frame, it was all 6-8 years. When I asked them for 4 year numbers they looked shocked.
Posted on 1/7/24 at 7:45 am to Billy Blanks
You must be a millionaire. Who the hell has $150,000 or more to pay cash if you need 4 vehicles? I got 4. I have notes on 2.
Posted on 1/7/24 at 10:03 am to Billy Blanks
quote:
No, it’s not “normal” to have car payments.
Most people think it is though.
Posted on 1/7/24 at 10:57 am to lsufanintexas
quote:
I pay around 2800 for three jeeps. Two with 1100 5 year notes and the other with a 500 five year note. I do have a 2000s era truck that is paid off that I drive and will keep forever.
Bro thats a problem unless your a multi millionaire
Posted on 1/7/24 at 11:11 am to lsu xman
Don't you know, this board is filled with smart, financially literate people who have net worth approaching 7 figures .....and would never use a HELOC either. They have 40K cash to plop down if not more.
The truth is probably slightly different
The truth is probably slightly different
This post was edited on 1/7/24 at 11:12 am
Posted on 1/7/24 at 11:16 am to lsu xman
$655 @54mths left
Its a Jeep so the resell is holding up.
Its a Jeep so the resell is holding up.
Posted on 1/7/24 at 11:27 am to lsu xman
$495 for mine
$350 for the wife.
They're almost paid off.
The sad thing is that insurance for my car is $280/ month and I haven't been in an accident or gotten a ticket in ages.
$350 for the wife.
They're almost paid off.
The sad thing is that insurance for my car is $280/ month and I haven't been in an accident or gotten a ticket in ages.
This post was edited on 1/7/24 at 3:36 pm
Posted on 1/7/24 at 12:01 pm to lsu xman
Not surprised. My monthly is $500 at a 1.95% rate for 72 months.
Posted on 1/7/24 at 12:55 pm to 21JumpStreet
If your car loan is fixed interest why pay it off early? Other than to be done with it. You aren’t saving any money by paying it off early like you do in most home loans where paying extra towards the principal means you pay the house off early and avoid that interest. With car loans the interest is factored in to the price of the loan and that’s how much you pay, no matter when you pay it off.
Right? Or am I missing something?
Right? Or am I missing something?
Posted on 1/7/24 at 1:09 pm to TygerTyger
quote:
With car loans the interest is factored in to the price of the loan and that’s how much you pay, no matter when you pay it off.
Right? Or am I missing something?
I've never had a car loan like this.
The ones have had, it's a daily interest calculation on the current balance. So yes, paying it off sooner means less total money spent.
Posted on 1/7/24 at 7:14 pm to lsu xman
If you can't pay cash, you cant't afford it!
Posted on 1/7/24 at 8:39 pm to lsu xman
Payed off my 2020 tundra in 2 years
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