8 Year Car Lease = Real Life

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

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
 
Base model 2LS I think.

Here's mine:

View media item 1790638
View media item 1790644
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.
 
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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
 
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 :smh:
 
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 :smh:

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.
 
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.
 
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 :smh:

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.
 
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.
 
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.
 
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.
 
still got about 2 years to paying off my sonata. Thank goodness for that 100k warranty
 
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.

:smh:
 
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.
 
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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