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OfflineShroomslip
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I'm a teapot User Gallery


Registered: 11/25/12
Posts: 23,655
Last seen: 8 hours, 20 minutes
Re: How much is your car note? [Re: Jokeshopbeard]
    #26448744 - 01/23/20 06:07 PM (4 years, 24 days ago)

Quote:

Jokeshopbeard said:
I don't understand why it's so culturally normal to have a 'car payment' over there. Does nobody ever buy a car outright?

Personally, although I'd spend £30k on a motorbike, I never spend more than £1k on a car. That's my cutoff. The last one cost £750 five years ago and is still running strong (just past its test for the 22nd year and went straight through) and the one before that cost £270 and was great for about four years.

I know you aint exactly flush right now Ra, why not just buy a used Honda? I can help you out with the most reliable ones.




There's basically three groups of people (besides the super wealthy who can afford to buy Ferraris and shit outright anyways) 1. People well off enough to afford brand new cars 2. People who can afford used, but more recent cars 3. People who can afford cash cars. 1 and 2 usually don't have enough money laying around to buy the car outright.

My reason for wanting a car I had to put on payments? All I've ever had were beaters and cash cars. All well over 10 years old when I got them. There is constantly something breaking or something that needs to be fixed no matter how well you inspect it and determine it to be in good working order. I no longer have friends and family to rely on and I'm on a tight budget. I can't afford to have a car that's going to be in a constant state of repair. My car payment is about 380 a month, and a 2k down payment. My Sonata was a little over 5k cash and it seems like I had to put at least 100-200 a month into repairs and maintenance and shit. Shit, to get the AC fixed would've cost almost 1k and I live in Texas. AC is so important in a vehicle here, pretty much every Craigslist ad for a car touts it's coldness. 

I could have gotten something a little cheaper, but since I'm going to be paying on something for years, I decided I might as well get something I actually WANT to drive for once. My car is your motorcycle. You have fun on your bike right? Well I have a lot of fun in my car.


--------------------
With my face against the floor I can’t see who knocked me out of the way.
I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
With your face all made up, living on a screen. Low on self esteem, so you run on gasoline


Edited by Shroomslip (01/23/20 06:09 PM)


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InvisibleAhab McBathsalts
OTD Windmill Administrator
Other User Gallery Ultimate Champion: Blackjack


Folding@home Statistics
Registered: 11/25/02
Posts: 35,117
Loc: Wind Turbine, AB Flag
Re: How much is your car note? [Re: Northerner]
    #26448747 - 01/23/20 06:08 PM (4 years, 24 days ago)

Leasing is too low rent. I rent a truck from a car rental place every month and turn it in when it needs new tires or I smash it up.

$1500/mo

LOL.


--------------------
"Nobody exists on purpose. Nobody belongs anywhere. Everybody's going to die."


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InvisibleJokeshopbeard
Humble Student

Registered: 11/30/11
Posts: 26,088
Loc: Deep in the system Flag
Re: How much is your car note? [Re: Shroomslip]
    #26448796 - 01/23/20 06:31 PM (4 years, 24 days ago)

Yeah I currently rent. Well, I don't, my company does. But I see the receipt and it's over $2k every six weeks.

Fucking obscene.


Quote:

Shroomslip said:
I could have gotten something a little cheaper, but since I'm going to be paying on something for years, I decided I might as well get something I actually WANT to drive for once. My car is your motorcycle. You have fun on your bike right? Well I have a lot of fun in my car.



Oh I get it. If I even knew where I lived/am gonna put roots down, then ANY vehicle I buy I will feel somewhat passioate about.

I HATE regularly using a vehicle which has no guts. I want my machines to have character.

Heart. I'll pay through the bloody nose for it.


--------------------
Let it be seen that you are nothing. And in knowing that you are nothing... there is nothing to lose, there is nothing to gain. What can happen to you? Something can happen to the body, but it will either heal or it won't. What's the big deal? Let life knock you to bits. Let life take you apart. Let life destroy you. It will only destroy what you are not.
--Jac O'keeffe


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: Shroomslip]
    #26449518 - 01/24/20 08:05 AM (4 years, 23 days ago)

All I've ever had were beaters and cash cars. All well over 10 years old when I got them. There is constantly something breaking or something that needs to be fixed no matter how well you inspect it and determine it to be in good working order.

Exactly the same for me. Also what you say about Texas and needing a good AC (I'm from FT WT, where you  at) in a car is so very true. There was many cars I had with no AC and I had to go to work sweating my fucking ass off, and I waited tables, uuuuggghh!


@FSR:
I think it's for 6 years, but I'll try to pay it off in 2-4 years. It is the nicest car I've ever had and I plan on driving it for at least 6-10 years. It's a Buick.


(go ahead and laugh people, this car is fucking incredible, to me anyway):heart:


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Offlinechristopera
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Registered: 10/13/17
Posts: 14,270
Last seen: 5 hours, 15 minutes
Re: How much is your car note? [Re: tyrannicalrex]
    #26449536 - 01/24/20 08:20 AM (4 years, 23 days ago)

Never get a loan from a car dealership.

Join a credit union, you can get car loans for like 2.5% interest.

Always buy used cars, but buy them from a factory dealer. They tend to have much better warranties, which can greatly reduce your expense if they break down. My car for example got $4k in repairs that were absolutely free about 6 months after I purchased it.


--------------------
Enjoy the process of your search without succumbing to the pressure of the result.

A Dorito is pizza, change my mind.

Bank and Union with The Shroomery at the Zuul on The internet - now with %'s and things

I’m sorry it had to be me.


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: christopera]
    #26449626 - 01/24/20 09:13 AM (4 years, 23 days ago)

I have a year bumper to bumper.:shrug:


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OfflineShroomslip
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I'm a teapot User Gallery


Registered: 11/25/12
Posts: 23,655
Last seen: 8 hours, 20 minutes
Re: How much is your car note? [Re: tyrannicalrex]
    #26449645 - 01/24/20 09:25 AM (4 years, 23 days ago)

I'm in Houston. Right now it's not a big deal but damn when it starts getting hot.. a 5 minute drive to the store meant I'd be drenched in sweat by the time I got there.

My mustang's ac is ridiculously cold. I can't even run it at max.


--------------------
With my face against the floor I can’t see who knocked me out of the way.
I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
With your face all made up, living on a screen. Low on self esteem, so you run on gasoline


Edited by Shroomslip (01/24/20 09:26 AM)


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Invisibletyrannicalrex
Strange R
Male User Gallery


Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: Shroomslip]
    #26449667 - 01/24/20 09:46 AM (4 years, 23 days ago)

Yeah man, and that fucking humidity, fuuuuuuuck!


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OfflineTripsurfer
Bring Back Asante!
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Registered: 08/01/12
Posts: 7,129
Loc: West of Windward Flag
Last seen: 4 months, 14 days
Re: How much is your car note? [Re: tyrannicalrex]
    #26449773 - 01/24/20 11:06 AM (4 years, 23 days ago)

I would never buy a car on credit so I only ever own old crappy cars :shrug:

Our commercial guy leases a Tesla Model S for €1300 a month :eek:


--------------------
Ach en wee ben ik de klos, met mijn boog schoot ik een albatros...

A philosopher is a person who knows less and less about more and more, until he knows nothing about everything.



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InvisibleTheFakeSunRa
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: christopera]
    #26449805 - 01/24/20 11:35 AM (4 years, 23 days ago)

Quote:

christopera said:
Never get a loan from a car dealership.

Join a credit union, you can get car loans for like 2.5% interest.

Always buy used cars, but buy them from a factory dealer. They tend to have much better warranties, which can greatly reduce your expense if they break down. My car for example got $4k in repairs that were absolutely free about 6 months after I purchased it.




Thanks for the advice


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: TheFakeSunRa]
    #26449966 - 01/24/20 12:52 PM (4 years, 23 days ago)

Certified pre owned has the factory warranty as well, but not that interest rate, solid advice there.


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OfflineLoaded Shaman
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Registered: 03/02/15
Posts: 8,006
Loc: Now O'Clock
Last seen: 1 month, 15 days
Re: How much is your car note? [Re: TheFakeSunRa]
    #26451097 - 01/25/20 02:06 AM (4 years, 22 days ago)

I'm at 4.4% on the used car I got this last August.


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"Real knowledge is to know the extent of one’s ignorance." — Confucius


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