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8 Year Car Lease = Real Life - Page 5

post #121 of 369
Quote:
Originally Posted by dtb00201 View Post

I want a pickup but you damn near have to be a baller to get anything that isn't a bucket with 150k miles.

Word, any Silverado Crew Cab, 4x4 is hitting 30K even with a bunch of miles.

I'm hopefully buying a diesel in a couple weeks. 24K, 84 month term. Flame suit on!

Basically, I'm gonna pay like an extra 200 a month to pay it off sooner but I want the minimum to be low as possible in case work slows down.
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post #122 of 369

For what reason do you need a giant pick-up if you don't mind me asking?

 

Never understood the rationale of the average Joe whipping one casually.

post #123 of 369
I've been looking at the ram 1500 express for a minute and they're damn near $30k for a rwd single cab. I'm hoping come January they get heavily discounted. I still don't know if I trust Chrysler reliability, or even any of the big 3 for that matter.
post #124 of 369
Quote:
Originally Posted by Jay Patt View Post

For what reason do you need a giant pick-up if you don't mind me asking?

Never understood the rationale of the average Joe whipping one casually.

basically, besides the few times a year I'll be towing dirt bikes and a boat, or my Harley, I don't need it. Hell, I could do everything I mentioned with a 1500.

Thing is that the 1500's are hitting for over 30K in the packages that I want and that's with anywhere from 50K to 100K+ miles.

I like the 6.6L Duramax and diesels go for ever.
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post #125 of 369
Quote:
Originally Posted by dtb00201 View Post

I've been looking at the ram 1500 express for a minute and they're damn near $30k for a rwd single cab. I'm hoping come January they get heavily discounted. I still don't know if I trust Chrysler reliability, or even any of the big 3 for that matter.

I'm a Chevy man myself, but you're better off going into the dealership and talking to them in person. This time of year, their letting go of the 2015's for decent (somewhat) prices. I almost got a 2015 Silverado LT Crew Cab, 4x4, for 35K out the door, wanted it for cheaper laugh.gif yea, I know, I'm a tire kicker.
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post #126 of 369
Quote:
Originally Posted by Mamba MVP View Post

Trying to decide what to do about my Camaro I want the newer model but also want to get out of this stupid financing situation I'm in now. I think the trade in is right side up, but don't want to go through dealer financing ever again. 

what year Camaro you got? How much do you owe on it? @@Mamba MVP
post #127 of 369
Quote:
Originally Posted by suge67 View Post


what year Camaro you got? How much do you owe on it? @@Mamba MVP

2012, owe 13k on it still

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post #128 of 369
Aren't the new top of the line Toyota Tundra's like 50-55K? Dat joint is crazy but that price sick.gif
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post #129 of 369
Quote:
Originally Posted by Al Audi View Post

Quote:
Originally Posted by Mamba MVP View Post


didnt they just change the tail lights?

looks so much better

they changed the design for Camaro for 2014 to current model. I think the front end on the 14-16 looks meaner, but the taillights like terrible; feel like the 09-13 are more aggressive
post #130 of 369
Quote:
Originally Posted by Mamba MVP View Post

Quote:
Originally Posted by suge67 View Post

what year Camaro you got? How much do you owe on it? @@Mamba MVP
2012, owe 13k on it still

oh ok, like the homie said refinancing might be your best bet. not sure how much they'll give you if you trade in. is the base, or RS?
post #131 of 369
Base model 2LS I think.

Here's mine:





Vs the 2016

2016-chevrolet-camaro-rs-010-1.jpg

2016-chevrolet-camaro-ss-rear-three-quarter-1.jpg

Did a trade estimator online and it said I should be able to get around 15k for it still.
Edited by Mamba MVP - 11/16/15 at 11:17pm
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post #132 of 369
At the McLaren dealer laugh.gif
post #133 of 369
Quote:
Originally Posted by Al Audi View Post

Quote:
Originally Posted by letsgetit22 View Post

Man y'all trippin. Let's dudes live life out here. You die tomorrow and all that money management don't mean ****.

having legit almost died this summer i have to agree with this

but

at the same time gotta be practical

its all about balance at the end of the day..........................just makes me think.

Finding the balance is harder than it sounds but you're right, you never know what tomorrow brings. Personally I lean towards financial stability but sometimes you got to say **** it and enjoy your time on this Earth
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post #134 of 369
Quote:
Originally Posted by tSamShoX View Post

Aren't the new top of the line Toyota Tundra's like 50-55K? Dat joint is crazy but that price sick.gif

So damn sexy, but way to expensive. Personally I'd get a Tacoma before a Tundra. I also like the Canyons and Rams
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post #135 of 369
Quote:
Originally Posted by bjamez20 View Post

At the McLaren dealer laugh.gif

 

144 months :rollin

 

Engine won't even turn over by the time it's paid off

post #136 of 369
Thread Starter 
what ever happened to if i can't afford it, i can't buy it?

everyone making these yolo-inspired excuses gonna end up sleeping in the whip to make ends meet mean.gif
post #137 of 369
Quote:
Originally Posted by TeamJordan79 View Post

what ever happened to if i can't afford it, i can't buy it?

everyone making these yolo-inspired excuses gonna end up sleeping in the whip to make ends meet mean.gif

When you say this you mean to buy it cash? That's preety dumb to buy a car cash, unless you got Bill Gates money. Can't even use cars to wash money anymore.
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post #138 of 369
Quote:
Originally Posted by DipsetGeneral View Post

buying used >>>>

Unless your making 75K+ annually, i wouldn't buy a new car.

I bought a 2013 Dodge Challenger R/T in January of 2013. Sticker was 33480. After rebates and what not I paid 29100. I did 3.81% for 72 months no money down, no payments for 90 days.

I sold this car few months ago for 24K

So I made 30 payments of 482 then I sold the car for 5500 more than what I owed.

482*30= 14430-5500= 8930

So to drove my old car for 30 months it really cost me 8930 or 298 a month.

Bought my current car under a similar length loan with a 1.9% interest rate (2016 Dodge Charger Scat Pack) and as long as the car depreciates as the same rate the 2013 Model I will pay about 339.90 a month if I sell it after 3 years.

I'm partial to American V8s for multiple reasons but one of the biggest is how little they depreciate.

I like new cars and I like to drive. Some folks buy $300 in shoes every month and have $150 cable bills. I prefer spending my discretionary income on my car.

To each his own.
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post #139 of 369
Thread Starter 
Quote:
Originally Posted by zapatohead408 View Post

Quote:
Originally Posted by TeamJordan79 View Post

what ever happened to if i can't afford it, i can't buy it?

everyone making these yolo-inspired excuses gonna end up sleeping in the whip to make ends meet mean.gif

When you say this you mean to buy it cash? That's preety dumb to buy a car cash, unless you got Bill Gates money.

Buying something you can actually afford upfront is not dumb...how old are you? lol There is a car out there for you regardless of how much cash you got. It might require swallowing your pride however.
post #140 of 369
Quote:
Originally Posted by bjamez20 View Post

At the McLaren dealer laugh.gif

Damn yo.

laugh.gif
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post #141 of 369
There is always a middle ground. People act like if you are financially responsible you aren't living, when that is not the case.
Yes you can die at anytime, but if I was worried about dying tomorrow I would have $0 to my name and let my life insurance take care of everything else, but that is irrational and irresponsible IMO. Most people in my family live to 100 so to act like im going to die at 23 is just crazy. People are so focused on the current moment that their family can't even afford a proper burial for them and have to put up a GoFundMe :{
 
Life is about longevity and balance, and to me balance does not mean content. I'm never content, always looking at my next goal as soon as reach my current.You can't take money with you but you can pass it down to your kids and family, seems like people think that is just not realistic anymore.
post #142 of 369

@Jay Patt I know you gotta be stacking like crazy man. Stay at home and stack for a few years man, wish I could have.

post #143 of 369
Quote:
Originally Posted by Jay Patt View Post

For what reason do you need a giant pick-up if you don't mind me asking?

Never understood the rationale of the average Joe whipping one casually.


****** got houses, b.

I ain't loading my car up with mulch and fertilizer.
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post #144 of 369
I think one of the most important things is to make sure you have savings. People should do what they feel is best as far as transportation goes but make sure you have some sort of emergency fund.
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post #145 of 369
Quote:
Originally Posted by aepps20 View Post

I think one of the most important things is to make sure you have savings. People should do what they feel is best as far as transportation goes but make sure you have some sort of emergency fund.

Saving money is too responsible YOLO.

post #146 of 369
still got about 2 years to paying off my sonata. Thank goodness for that 100k warranty
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post #147 of 369
Quote:
Originally Posted by aepps20 View Post

I think one of the most important things is to make sure you have savings. People should do what they feel is best as far as transportation goes but make sure you have some sort of emergency fund.

Word. Ain't no problem with buying a nice car. As long as you got the rest of your **** in order.


I want an Audi S5. But I have a son, and Christmas is coming up. I'm not going to go outchea and cop da v8 banger and use up my savings when all I gotta do it wait it out, keep my rainy day stacks put up, and re stack that christmas shopping money through jan-feb and just cop a whip early next year.


I just recently left working at a car dealership. And the one thing I'd see more than anything, are impatient, uneducated people who think they deserve whatever they want, without saving or facing the consequences of living beyond their means.


Had a lady who filed bankruptcy come in and try to trade in 2 of her cars for a new car.



The ***** had 2 cars already, was just getting through a bankruptcy situation, and was already outchea ready to **** her self over again.

mean.gif
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post #148 of 369
Can't someone just buy a nice car because they like cars? sheesh.
post #149 of 369
Quote:
Originally Posted by SneakerPro View Post

Quote:
Originally Posted by DipsetGeneral View Post

buying used >>>>

Unless your making 75K+ annually, i wouldn't buy a new car.

I bought a 2013 Dodge Challenger R/T in January of 2013. Sticker was 33480. After rebates and what not I paid 29100. I did 3.81% for 72 months no money down, no payments for 90 days.

I sold this car few months ago for 24K

So I made 30 payments of 482 then I sold the car for 5500 more than what I owed.

482*30= 14430-5500= 8930

So to drove my old car for 30 months it really cost me 8930 or 298 a month.

Bought my current car under a similar length loan with a 1.9% interest rate (2016 Dodge Charger Scat Pack) and as long as the car depreciates as the same rate the 2013 Model I will pay about 339.90 a month if I sell it after 3 years.

I'm partial to American V8s for multiple reasons but one of the biggest is how little they depreciate.

I like new cars and I like to drive. Some folks buy $300 in shoes every month and have $150 cable bills. I prefer spending my discretionary income on my car.

To each his own.

Yeah new cars can have some great incentives, and low interest rates. You may come out cheaper overall.
post #150 of 369
Quote:
Originally Posted by SneakerPro View Post

Quote:
Originally Posted by DipsetGeneral View Post

buying used >>>>

Unless your making 75K+ annually, i wouldn't buy a new car.

I bought a 2013 Dodge Challenger R/T in January of 2013. Sticker was 33480. After rebates and what not I paid 29100. I did 3.81% for 72 months no money down, no payments for 90 days.

I sold this car few months ago for 24K

So I made 30 payments of 482 then I sold the car for 5500 more than what I owed.

482*30= 14430-5500= 8930

So to drove my old car for 30 months it really cost me 8930 or 298 a month.

Bought my current car under a similar length loan with a 1.9% interest rate (2016 Dodge Charger Scat Pack) and as long as the car depreciates as the same rate the 2013 Model I will pay about 339.90 a month if I sell it after 3 years.

I'm partial to American V8s for multiple reasons but one of the biggest is how little they depreciate.

I like new cars and I like to drive. Some folks buy $300 in shoes every month and have $150 cable bills. I prefer spending my discretionary income on my car.

To each his own.


Might not work in this case because i know some car companies don't allow you to lease certain models (im not familiar with dodge)

But do you know how much would it cost for you to lease either of the two cars at the time?
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