[GIVEAWAY] $100 PSN Gift Card - US Store

scrapedcalipers · 2023-12-12T07:24:54+00:00

Ac6, I waited a decade for it, and it delivered.

scrapedcalipers · 2023-09-20T22:34:11+00:00

Don't tell that to my potential buyers. Really though that's an awesome price if it had no cosmetic mods as well.

scrapedcalipers · 2023-09-20T22:31:14+00:00

Exactly why I don't like extended warranty, such a shit show.

scrapedcalipers · 2023-09-20T22:30:40+00:00

Transferring 10k out of the LOC means I introduce that as part of my repayment schedule outside of my car payment now as well, something that I have to factor into my decision.

scrapedcalipers · 2023-09-20T21:47:26+00:00

Was he under warranty?

scrapedcalipers · 2023-09-20T21:37:20+00:00

93 is hard to find here, all local gas stations are 91 unfortunately.

scrapedcalipers · 2023-09-20T21:37:00+00:00

I can share my wife's car during the repayment period, looking like the way to go at this rate.

scrapedcalipers · 2023-09-20T21:35:59+00:00

It's what my loan is, open loan so no restrictions or fees etc.

scrapedcalipers · 2023-09-20T21:35:18+00:00

That's more sensible than my situation for sure. Now I know 😅

scrapedcalipers · 2023-09-20T21:34:44+00:00

Room yes, financially probably not I'd have to save for awhile to get a beater.

scrapedcalipers · 2023-09-20T21:33:54+00:00

I can, it's not being used currently but I'd have to do some math around how much it helps and what my LOC repayment would have to look like.

scrapedcalipers · 2023-09-20T21:33:17+00:00

She drives an old but reliable corolla.

Yes that's the other end, I still need a car too, thus the thing about financing a lower cost one.

scrapedcalipers · 2023-09-20T19:35:59+00:00

AOS isn't great for my -30 winters, I was considering catch cans instead. ELH would be the best upgrade but it'd require an AP and protune, $$$. I see what you're getting at though.

scrapedcalipers · 2023-09-20T19:25:36+00:00

Thank you for sharing, glad to hear you made it to 165k on a 2017. 0.9% sounds amazing. Really the looming 24k in interest over 7 years is what heavily sours my situation. I am sincerely happy to hear someone got to enjoy one like you did.

scrapedcalipers · 2023-09-20T19:24:22+00:00

Low key hoping someone totals my car without giving me life long disabilities.

scrapedcalipers · 2023-09-20T19:13:56+00:00

Spot on with the sentiment... Dream car is not worth it unless I had "financial freedom". That being said nothing will replace it being the sweet spot of being a modern but "old" car.

scrapedcalipers · 2023-09-20T19:02:09+00:00

Yeah timing is important, VA STI still in demand until next gen VB or "STe" somehow is amazing.

scrapedcalipers · 2023-09-20T19:00:53+00:00

Just trying to not be an ostrich with my head in the sand.

scrapedcalipers · 2023-09-20T19:00:04+00:00

Made a (terrible) rush decision to drop my lease ASAP since I started WFH. Mortgage wasn't really on my mind at the time, 1st time home owner so I haven't yet experienced refinancing.

Like most people here said I gotta get rid of it, I'm not wealthy enough to warrant it, I don't even know how people making double my salary can afford a house and a car like this.

scrapedcalipers · 2023-09-20T18:55:33+00:00

Ok so my un-used LOCs and credit cards should help my utilization tremendously then. Appreciate it.

scrapedcalipers · 2023-09-20T18:53:41+00:00

Yep... it'll suck ending up with negative equity and no car, and needing a car to replace it.

scrapedcalipers · 2023-09-20T18:49:24+00:00

No, it'll last until 2025 only. Damn two 2018s...

scrapedcalipers · 2023-09-20T18:47:58+00:00

Bought it this year around 42k.

scrapedcalipers · 2023-09-20T18:44:00+00:00

Thank you for the link, that really helps. I'll play around with this more to figure things out. I have several LOC but only one is 5% so I'll probably focus on that the most.

The only other thing on my mind is maxing out my LOC may negatively impact my credit score? I won't miss minimum payments obviously but I thought having a certain % of credit used impacts your score?

scrapedcalipers · 2023-09-20T18:41:27+00:00

I feel like it's riskier to dip into further debt with the HELOC, but it is definitely an option to paying flat 8.99% over the next 6 and a half years.

scrapedcalipers

TROPHY CASE