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Posted: 1/9/2023 9:18:35 PM EST
[#1]
Find a used yellow school bus. Convert to home.
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Posted: 1/9/2023 9:32:17 PM EST
[#2]
Quote HistoryQuoted: Don’t tell me. You bought a Yugo. For those that never heard of it. I saw one on the dealer’s lot many years ago. Someone had glued pennies all over it. The pennies were worth more than the car. |
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Posted: 1/9/2023 9:33:07 PM EST
[#3]
Poor people trying to make themselves feel better about being poor thread.
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Posted: 1/9/2023 9:36:33 PM EST
[#4]
The game is rigged, but I want to go fast. ??
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Posted: 1/9/2023 9:44:23 PM EST
[#5]
Quote HistoryQuoted: The last time we were car shopping a young couple were trying to buy a car. No money, no credit. Salesman told them to call parents to co-signed. First set of parents arrive. No money, no credit. Next set of parents arrive. Same story. Eventually looked like a family reunion at the dealership. I asked our salesman what will happen to them. They said they would eventually find a bank to give them credit. Eventually. Pay cash for your car then start making payments to yourself. It’s not that hard. Amen. We do $500 per month to pay ourselves for vehicles. Been 8.5 years (102 months) since we paid cash for the wife's car. That puts $51,000 in an account for the next one. We won't spend that much, and her car is still in great shape and she plans to drive it for several more years. |
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Posted: 1/9/2023 9:45:21 PM EST
[#6]
Quote HistoryQuoted: get 'em more useder for cash. Yeah, all you need is a $2-3000 used car! |
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Posted: 1/9/2023 9:46:49 PM EST
[#7]
Quote HistoryQuoted: The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes "Boots" theory of socioeconomic unfairness. Horseshit. |
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Posted: 1/9/2023 9:47:54 PM EST
[#8]
If you got the loan on your car when interest rates were low, the interest is going to be lower than inflation.
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Posted: 1/9/2023 9:48:08 PM EST
[#9]
Quote HistoryQuote HistoryQuoted: Quoted: Don’t tell me. You bought a Yugo. For those that never heard of it. I saw one on the dealer’s lot many years ago. Someone had glued pennies all over it. The pennies were worth more than the car.  https://www.youtube.com/watch?v=IBB-UECu4Wg |
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Posted: 1/9/2023 9:48:13 PM EST
[#10]
Quote HistoryQuoted: If you got the loan on your car when interest rates were low, the interest is going to be lower than inflation.  |
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Posted: 1/9/2023 9:49:22 PM EST
[#11]
This is GD sir, we only buy the best, and in cash!
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Posted: 1/9/2023 9:50:24 PM EST
[#12]
Quote HistoryQuote HistoryQuoted: Quoted: If you got the loan on your car when interest rates were low, the interest is going to be lower than inflation. But did you take your cash you had at the time and put it in I-Bonds, or buy lottery tickets, hookers, and cocaine? |
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Posted: 1/9/2023 9:50:47 PM EST
[#13]
Quote HistoryQuoted: But did you take your cash you had at the time and put it in I-Bonds, or buy lottery tickets, hookers, and cocaine? Get both. |
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Posted: 1/9/2023 9:51:26 PM EST
[#14]
I ordered a new Mustang convertible in 2021 it was about 36k OTD with 0% for 36 months; I've got less than two years of slavery left.
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Posted: 1/9/2023 9:52:45 PM EST
[#15]
I wish my auto loan was higher
 I put down too big of a payment, my savings account earns higher interest than my auto loan is. Should have put zero down. |
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Posted: 1/9/2023 9:53:07 PM EST
[#16]
Quote HistoryQuoted: Laughs in $800 2005 F150 4x4 w/230k miles Seriously though, I'm not looking forward to buying another truck. Gonna need a crew cab, the extended cab is getting a little cramped. Quote HistoryQuoted: Quoted: Laughs in $1k 2007 Silverado w/~250k on it... Laughs in $800 2005 F150 4x4 w/230k miles Seriously though, I'm not looking forward to buying another truck. Gonna need a crew cab, the extended cab is getting a little cramped. No joke, wouldn't want to be buying in this current market. Madness... |
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Posted: 1/9/2023 9:54:38 PM EST
[#17]
not at 1.75%
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Posted: 1/9/2023 9:54:51 PM EST
[#18]
Quote HistoryQuoted: I wish my auto loan was higher I put down too big of a payment, my savings account earns higher interest than my auto loan is. Should have put zero down. Some people will never understand these concepts, hence blanket generalizations. |
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Posted: 1/9/2023 9:56:30 PM EST
[#19]
LIFE IS TOO SHORT TO DRIVE BORING CARS!!!
 2019 GT3 RS vs tuned 2021 NSX (700 hp) - part 2 |
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Posted: 1/9/2023 9:59:33 PM EST
[#20]
4 pickups and two trucks all paid for. Building a house with cash while I live in a semi trailer. I don’t owe anyone shit, but it’s not a glamorous life currently.
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Posted: 1/9/2023 10:01:27 PM EST
[#21]
I love riding around in my Tundra for nothing more than oil/gas/insurance.
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Posted: 1/9/2023 10:14:27 PM EST
[#22]
Quoted: They hold up better than you might think. What do you recommend? Toyota, preferably a HSD model. Or an older shitbox domestic car. |
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Posted: 1/9/2023 10:17:42 PM EST
[#23]
Bought my first truck in 94 for $15k, drove it until 2018.
Drove a 2003 Tahoe after that I bought in 2010 for $12k. Bought a new Tacoma 4x4 last month for $37k. Buy what you can afford and take care of your shit. |
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Posted: 1/9/2023 10:19:05 PM EST
[#24]
I'm somewhere between a arfcom baller and a vagrant. I was fortunate to have bought my previously owned car before there was a run on the automobile market, to say I bought it at a fair price.
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Posted: 1/9/2023 10:19:44 PM EST
[#25]
Quote HistoryQuoted: 0% Sorry about your credit rating  0% master race checking in |
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Posted: 1/9/2023 10:23:04 PM EST
[#26]
Quote HistoryQuoted: 0% Sorry about your credit rating This doesn’t sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free. 
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Posted: 1/9/2023 10:24:15 PM EST
[#27]
Quote HistoryQuoted: I welcome the eventual importation of China deathtraps to bring down prices in the market. I think a new car in China on average is tens of thousands cheaper new. One thing I like about the Chinese market is they allow manufacture of older vehicle platforms. I wish they would do that here, I would love a licensed re-manufacture of a late year CRX, 90s Civic/CRV, Suzuki Samurai, or 90s Silverado for basic transportation and safety is judged based upon that year model standards. I thought we should do Kai cars in the US. Smaller commuter cars with room for 2 people that are cheap, reliable, and maybe we don't need 18 airbags, collision avoidance, etc. Think of then like motorcycles with 4 wheels. It would probably save more gas and money then any other plan. |
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Posted: 1/9/2023 10:28:39 PM EST
[#28]
Quote HistoryQuoted: This doesn’t sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free. Quote HistoryQuoted: Quoted: 0% Sorry about your credit rating This doesn’t sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free. Someone doesn't understand the concept of free money. |
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Posted: 1/9/2023 10:29:20 PM EST
[#29]
Worth remembering next time you think a homeless person deserved it. But Ithe problem is long term wage suppression, not cost of goods.
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Posted: 1/9/2023 10:30:17 PM EST
[#30]
Quote HistoryQuoted: 4 pickups and two trucks all paid for. Building a house with cash while I live in a semi trailer. I don’t owe anyone shit, but it’s not a glamorous life currently. If I could get my wife to buy in I’d be living off grid in the desert or boondocks. |
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Posted: 1/9/2023 10:33:29 PM EST
[#31]
Poors thread?
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Posted: 1/9/2023 10:40:23 PM EST
[#32]
Bought a 2003 Chevy trailblazer with new tires and 80k on it. Old couple bought it new. I put ball joints and new front pads on it. Paid 4k cash and it looks great and drives great. I can afford new but I am cheap. I drive it everyday. No payments.
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Posted: 1/9/2023 10:46:58 PM EST
[#33]
About twenty years ago we took the Crown Financial course.
Learned then to never finance a vehicle. Haven’t had a car payment in decades. Pay yourself. Pay cash, and I mean cash. Buy private if you can, and have an envelope of cash. “You’re asking 14K, but I have 10K in this envelope, cash. Take that?” Works a lot of the time. I didn’t pay more than 5K for any of my kids cars. 2009-2013 models. |
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Posted: 1/10/2023 12:55:08 AM EST
[#34]
Quote HistoryQuoted: Bought a 2003 Chevy trailblazer with new tires and 80k on it. Old couple bought it new. I put ball joints and new front pads on it. Paid 4k cash and it looks great and drives great. I can afford new but I am cheap. I drive it everyday. No payments. @Dino1130 Where'd you find it? My 2000 GM SUV was totaled, and while I'm waiting for the used car market bottom to fall out, I wouldn't mind picking up a beater. But I must say, being without a vehicle for the past few months has been freeing. If I absolutely need one, I have an Enterprise that's a mile away. |
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Posted: 1/10/2023 1:22:17 AM EST
[#35]
Quote HistoryQuoted: I love riding around in my Tundra for nothing more than oil/gas/insurance. In a Tundra is a lot of gas. |
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Posted: 1/10/2023 3:40:56 AM EST
[#36]
Quote HistoryQuoted: Someone doesn't understand the concept of free money. Quote HistoryQuoted: Quoted: Quoted: 0% Sorry about your credit rating This doesn’t sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free. Someone doesn't understand the concept of free money. Free money? No such thing as a free lunch. 
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Posted: 1/10/2023 6:12:07 AM EST
[#37]
Wish we had to do it over again. We are the victims of our own materialism.
I would rather have the multiples of wealth today and not the fond memories of being young in fancy cars. I'd say we were upper middle class--because she (wife) worked. Doing the math and using my 401k growth to model growth had we not diverted much to cars and insurance--well, it's embarrassing. Wish I had listened. It would be chump change for those with old money, but not us. I'm telling myself I still work because the money is good and it's easy. I tell every young person who will listen: don't do what we did. Drive 'beaters'. Put your many children, two-to-a-bedroom, in your small-ish house. Let them send themselves to college--or not. Build your family AND your wealth. |
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Posted: 1/10/2023 6:33:27 AM EST
[#38]
My wife’s CX5 is paid for and I owe $15k on my car. We’re in pretty good shape.
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Posted: 1/10/2023 6:46:01 AM EST
[#39]
I'm pretty well off lol and I still drive a 2016 GMC Canyon. I'm hoping to get four more years out of it. Payments? Not a single one since the mid 90s IIRC. Even when we still owned our business I had a LIMIT on what MY truck should cost the company. It was $300 per month plus fuel and insurance. I look around today at some of the young folks driving $1000 per month payments and just shake my head.
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Posted: 1/10/2023 6:47:00 AM EST
[#40]
OP only pays no more than $500 for his cars
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Posted: 1/10/2023 6:52:38 AM EST
[#41]
Debt is a lien against your wages/salary. You decide how much and how long you want to be a slave to payments.
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Posted: 1/10/2023 6:58:48 AM EST
[#42]
Quote HistoryQuoted: I ordered a new Mustang convertible in 2021 it was about 36k OTD with 0% for 36 months; I've got less than two years of slavery left. Just got the title to my 17 gt last Friday. My chains are broken! |
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Posted: 1/10/2023 7:00:17 AM EST
[#43]
Quote HistoryQuoted: This doesn't sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free. Quote HistoryQuoted: Quoted: 0% Sorry about your credit rating This doesn't sound good, it sounds like slavery. Also, you over paid, by at least $1500 You know what is also 0%? Being debt free.  ...
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Posted: 1/10/2023 7:11:09 AM EST
[#44]
Quote HistoryQuoted: @Dino1130 Where'd you find it? My 2000 GM SUV was totaled, and while I'm waiting for the used car market bottom to fall out, I wouldn't mind picking up a beater. But I must say, being without a vehicle for the past few months has been freeing. If I absolutely need one, I have an Enterprise that's a mile away. I cannot imagine what a life where you don't need a vehicle on a regular basis is like. |
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Posted: 1/10/2023 7:12:41 AM EST
[#45]
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Posted: 1/10/2023 7:13:48 AM EST
[#46]
Quote HistoryQuoted: Now the expensive boots are made in China and the MBAs who moved production get a bonus. Quote HistoryQuoted: Quoted: The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes "Boots" theory of socioeconomic unfairness. Now the expensive boots are made in China and the MBAs who moved production get a bonus. And that is why I stocked up on brand new USGI boots [USA made] when they were on sale for $10-$15 as surplus back in the day. I will NEVER buy another pair of work boots for as long as I live. |
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Posted: 1/10/2023 7:22:25 AM EST
[#47]
I like driving a newer vehicle. I like my wife to drive a newer vehicle. I don't even notice the payments when they come out of my account.
If a reasonable car payment shreds your monthly budget, maybe stop buying cigarettes and beer. |
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Posted: 1/10/2023 7:25:32 AM EST
[#48]
Some people crave and need the feel of a harness and some don't. Neither group can really explain themselves to the other.
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Posted: 1/10/2023 7:39:05 AM EST
[#49]
Quote HistoryQuoted: And that is why I stocked up on brand new USGI boots [USA made] when they were on sale for $10-$15 as surplus back in the day. I will NEVER buy another pair of work boots for as long as I live. I did likewise. Have enough to last decades. They were so cheap, and sometimes still are on ebay. All made in U.S.. |
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Posted: 1/10/2023 7:55:13 AM EST
[#50]
Quote HistoryQuoted: get 'em more useder for cash. Affordable trucks are gone unless they have the absolute shit slung out of them. Repair costs are outrageous now. Quality is down significantly. |
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