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06-20-2015, 08:29 AM | #31 | |
GBM 8-12-15
Join Date: Aug 2000
Location: Dayton, Oh.
Casino cash: $10052154
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Quote:
Leasing is the way to go if you don't drive a lot. |
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Posts: 59,997
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06-20-2015, 08:38 AM | #32 |
Keepin it Real
Join Date: Sep 2004
Location: Oklahoma
Casino cash: $67045
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I decided to keep what I have and pay it off. The $350/month I pay isn't hurting me anyways. I'd prefer not to have a ding on both our credit scores when we go to buy her a better vehicle next year.
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Posts: 10,496
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06-20-2015, 01:42 PM | #33 |
Supporter
Join Date: Dec 2009
Casino cash: $2513904
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Leasing doesn't work for me. I drive about 25,000 miles a year for my job. I would like to lease since I will probably be paying for a car the entirety of my career.
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Posts: 10,773
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06-20-2015, 01:58 PM | #34 |
George Brett shit his pants
Join Date: Apr 2006
Location: At the Bellagio
Casino cash: $951241
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Never understood the love so many people have for buying expensive vehicles. Buy a ten year old used vehicle, no car payment, no collision coverage likely needed due to the cars value and you will be much better off. The cost of any maintenance on an older used car is NO WHERE near the price tag that a newer car comes and the insurance premiums that go with it.
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Posts: 48,347
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06-20-2015, 02:01 PM | #35 |
When a nightmare becomes real
Join Date: Nov 2003
Casino cash: $1176966
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That's what i'm going to do for the remainder of my life.
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Posts: 47,007
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06-20-2015, 02:02 PM | #36 | |
When a nightmare becomes real
Join Date: Nov 2003
Casino cash: $1176966
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Quote:
I just like the fact that I never have to **** with maintaining a vehicle.
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Posts: 47,007
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06-20-2015, 03:10 PM | #37 |
Run Chiefs fans, run!!
Join Date: Oct 2004
Location: Nashville, TN
Casino cash: $9973863
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Posts: 10,776
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06-20-2015, 03:13 PM | #38 |
George Brett shit his pants
Join Date: Apr 2006
Location: At the Bellagio
Casino cash: $951241
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His ideas that you should pay off your smaller debts first, while letting your interest accrue and balloon on much larger loans is really dumb.
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06-20-2015, 04:46 PM | #39 | |
Born with Bad Habits
Join Date: Mar 2001
Location: Right Here
Casino cash: $1152909
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Quote:
Since my pattern falls into the latter category, it's difficult to justify making payments in perpetuity on a continuous string of vehicles that I don't own. |
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Posts: 1,327
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06-20-2015, 05:18 PM | #40 |
GBM 8-12-15
Join Date: Aug 2000
Location: Dayton, Oh.
Casino cash: $10052154
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This. Plus a new one every 3 years. I'd love to lease, but I couldn't deal with the mileage limits.
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Posts: 59,997
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06-20-2015, 05:58 PM | #41 |
Grand champ
Join Date: Sep 2007
Casino cash: $592369
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Most I've heard about are 15,000 per year. How much do you guys drive?
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Posts: 45,358
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06-20-2015, 07:27 PM | #42 | |
Supporter
Join Date: Apr 2007
Location: Scott City KS
Casino cash: $824734
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Quote:
30-40. Wife is about 8 or 10. |
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Posts: 57,698
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06-20-2015, 09:01 PM | #43 |
Mod Team
Join Date: Sep 2011
Location: Valley of the hot as ****
Casino cash: $441900
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He's actually a ****ing idiot and I don't agree with most of his bullshit. Then again, I'm not in debt and can manage my finances accordingly.
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Posts: 46,062
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06-20-2015, 09:32 PM | #44 |
Broncos' Fan Extraordinaire!
Join Date: Sep 2003
Location: Denver
Casino cash: $10012184
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Always pay cash for a car. If you got $350/month to make a car payment, you got $350/month to put into savings to pay for your next car and/or a big repair on your current car. The first big loan I took out as a young guy was for a car and I bought the car with zero down (good credit and a good credit union) and it was a five year loan (loan was for $11,000). It wasn't a bad deal and it was a great little jeep. That being said, I've never again financed a vehicle. I have paid cash ever since.
Now, granted, I don't drive a big fancy vehicle. But I got a nice car, and I take good care of it. And it works great for me. I also have a savings account that I can go out and buy another car if I want (or, fix this one should it need a big repair). If and when I want another vehicle, I buy it, then I sell the car I currently have, and that gives me a chunk of change to start all over again with saving for another car. Anyhow, I don't sweat my car. It is what it is. If it gets wrecked, I have insurance. If it gets dinged up, meh, I don't care. I park where I want to park, go where I want to go, and no one takes a second look at me or my car. That's the way I like it.
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