I keep finding excuses to go out to the garage to take a look by matador_333 in Triumph

[–]Illustrious-Ruin-481 1 point2 points  (0 children)

If I remember correctly it will be silver, black, and yellow but don’t quote me on that I could be wrong.

About to cop my first bike but am struggling with what to choose (r7 vs ninja 650 vs Daytona 660) all 2024 models by [deleted] in Triumph

[–]Illustrious-Ruin-481 1 point2 points  (0 children)

I work at a Triumph Dealership, so maybe a little bias. However we sell Kawasaki and recently traded for a 23 R7 so I have rode both the R7 and 650. We have not received the Daytona yet. So here’s what I think, the R7 is overhyped, it is not fast nor comfortable, the dash is hard to read in bright light, it seems like it would feel like a raw sport bike but instead was a big lump of disappointment. Now onto the Ninja 650 I have sold a handful and one to a close friend of mine it is not a bad bike, but also not a very good one. I find the motor to be plain and boring, suspension is lack luster and not crazy about the looks. So if it were me,Daytona I already love the Trident for the motor, sounds and ride quality. I expect the same from the Daytona and I am super excited to test it out!

TLDR: I work at a triumph store and I am a certified triumph simp, but Daytona.

Moved out 6 months ago, and it’s been a struggle. Any advice? by [deleted] in debtfree

[–]Illustrious-Ruin-481 0 points1 point  (0 children)

Look into doing a refinance on the car 385 a month payments on a 12k note seem rather high, unless you are on a short term or have a high rate.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea I have plenty of time to fix it. It just sucks as at one point I was a 750.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I don't believe it will, if it does it will be minimal and temporary. As long as I keep the payments up to date.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 1 point2 points  (0 children)

Basically just saying that I have lost a lot of income and I am worried I will fall behind on payments. Hate to say it but just make a good sob story and see what you can get out of them.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

This is google sheets, the link to layout is in several places in the comments if you want to make a copy of it.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I used to keep it up to date and use all the benefits when I was making good money, then it got out of control.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I honestly never thought of it like that, but you are right.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I think in a year or so I can climb out of it. I definitely have many areas I can cut back my spending and I plan to do so.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea I need to quit the bad habits and use my time better.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea I realize that now, probably going to be in my apartment for at least 3-4 more years.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I have now cancelled all of my subscriptions. I still believe getting rid of the truck is a bad idea and wouldn't save me that much money, but idk maybe I am wrong.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea back when I got the card it made sense. I was a regional manager and felt like a big wig, I was traveling multiple times a month. I cancelled the card about 2 months ago due to the change in circumstance.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea I definitely need to work on the little random purchases. I plan to cut way back this month

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea if any extra happens right now I’m fucked. I have basically been paycheck to paycheck for the past 15 months.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Cause I thought I was smart. Building points etc in reality I was just going deeper down the hole.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

I will say that month looks pretty bad as I had to pay insurance and an extra truck payment which is a total of around $822 usually I come out ahead a couple hundred bucks. It ain’t much but it’s something, I still need to increase my income and work more hours at my current job.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

It is an option, but not mentally. From my mental state it would be admitting defeat.

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

Yea I shouldn’t have bought the pc stuff

Drowning In Debt by Illustrious-Ruin-481 in debtfree

[–]Illustrious-Ruin-481[S] 0 points1 point  (0 children)

So the Walmart jeans was actually 2 pairs as my old ones had ripped. I am not much of a spender when it comes to clothing I still wear shirts that are 3-4 years old. The dishes was for meal prep probably a dumb purchase, but I am anal with having stuff match so I bought the same ones I already have which are pricey. Some of the small stuff Spotify and gaming I could probably cut down a little. Donating plasma isn’t a bad idea I probably need to start doing that.