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Old 06-19-2015, 07:49 PM   Topic Starter
Dunit35 Dunit35 is offline
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New vehicle vs current vehicle
I'm trying to decide if trying to trade in my truck is worth it. I don't think I'll get the trade in value I need to pay it off. So, this might be a waste anyways.

It's an 09 Chevy Silverado crew cab LS, 81k miles, black, soft cover, 20" factory chrome rims, good tires, but the rear end was demolished by a trash truck in January. I owe $15,000 and the payment is $345. My wife wanted a warranty option on it and it jumped the payment from $285 to $345.

I'm really trying to get my payments around $290-300 to save up for a new ride for my wife. My wife and I both have good credit.

Is it worth messing with?
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Old 06-19-2015, 07:52 PM   #2
lewdog lewdog is offline
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“Act your wage.”

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Old 06-19-2015, 08:03 PM   #3
Dante84 Dante84 is offline
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Originally Posted by lewdog View Post
“We buy things we don't need, with money we don't have, to impress people we don't like.”
“Act your wage.”

- you don't know his wage, or what he has
- and perhaps it's a matter of impressing himself and being happy, instead of outsiders.
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Old 06-19-2015, 08:04 PM   #4
lewdog lewdog is offline
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Originally Posted by DA_T_84 View Post
- you don't know his wage, or what he has
- and perhaps it's a matter of impressing himself and being happy, instead of outsiders.
Jesus Christ, I was just wanting to post some Dave Ramsey shit and be the first poster.

But considering he owes more than he'll get on a trade in, that's never a good financial situation to be in.
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Old 06-19-2015, 08:09 PM   #5
Dunit35 Dunit35 is offline
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Originally Posted by lewdog View Post
Jesus Christ, I was just wanting to post some Dave Ramsey shit and be the first poster.

But considering he owes more than he'll get on a trade in, that's never a good financial situation to be in.
It's that damn warranty my wife wanted, added $3k when we bought this truck.

I will say i have had zero issues paying the $350. I'd just like to be able to save more for my wife's car.
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Old 06-19-2015, 09:45 PM   #6
Dante84 Dante84 is offline
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Originally Posted by lewdog View Post
Jesus Christ, I was just wanting to post some Dave Ramsey shit and be the first poster.

But considering he owes more than he'll get on a trade in, that's never a good financial situation to be in.
Fuknwitchu
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Old 06-20-2015, 03:10 PM   #7
Predarat Predarat is offline
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Quote:
Originally Posted by lewdog View Post
“We buy things we don't need, with money we don't have, to impress people we don't like.”
“Act your wage.”

Dave Ramsey is wise. Dave Ramsey is good.
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Old 06-20-2015, 03:13 PM   #8
BWillie BWillie is offline
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Dave Ramsey is wise. Dave Ramsey is good.
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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Old 06-20-2015, 09:01 PM   #9
lewdog lewdog is offline
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Dave Ramsey is wise. Dave Ramsey is good.
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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Old 06-19-2015, 07:59 PM   #10
SAUTO SAUTO is offline
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I'm assuming it ws fixed?
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Old 06-19-2015, 08:00 PM   #11
SAUTO SAUTO is offline
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4x4?
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Old 06-19-2015, 08:02 PM   #12
Dunit35 Dunit35 is offline
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Yes it was fixed. 4x2. I'm figuring they will offer around $12k.
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Old 06-19-2015, 08:07 PM   #13
DaneMcCloud DaneMcCloud is offline
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Lease. Cars aren't an investment.
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Old 06-19-2015, 08:09 PM   #14
lewdog lewdog is offline
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Lease. Cars aren't an investment.
For some it makes sense but only if you don't drive much. On many leases you are only allowed 10-15k miles per year. If you plan on keeping the car for a while, leasing never makes sense. If you need a new car every few years for whatever reason, it might make sense.
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Old 06-19-2015, 09:23 PM   #15
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Lease. Cars aren't an investment.
I don't think I'd ever lease because of the mileage limits.
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