My financial situation - Page 2 - TriStateTuners.com :: Home of Tristate Auto Enthusiast

ThePrimerSuspect · 08-01-2007, 11:35 PM

my biggest regret is that i had to turn away a good $3k worth of sidework this summer because work was so busy i didnt have time. but now that work is slowing down the sidework isnt there anynmore.

ThePrimerSuspect · 08-01-2007, 11:38 PM

Quote:

Originally Posted by CobaltGrl

boobs are okay...

youre spending WAY too much money on frivolous ****....you need to seriously cut down and manage your money A LOT better.....if not, youre never gonna get out of the hole.

its not that im SPENDING money on frivolous ****, its that capital one gave me a credit card when i was 18 and stupid. then they kept upping my limit. now im ****ed. so, its that i spending money on the frivolous **** that i bought for the past 5 years.

sleepersatty99 · 08-01-2007, 11:38 PM

yeah i would sell atleast one of the cars pay off the credit card that you owe 700 on and also pay to have the phone shut off. or you can pay the min on your cards and get rid of the one phone and take half of that payment and put that towards on of your cards. lol if that make any sense to you lol

ThePrimerSuspect · 08-01-2007, 11:44 PM

Quote:

Originally Posted by 97TurboDSM

i say sell two of the three cars that you dont enjoy as much as the other. there is plenty of time in your life to own more than one car. at this point it doesnt seem to be in your best interest to do so. use the money you get from the two cars you sell to get yourself caught up on those credit cards and if you have any money left over, put that in a savings account or something to gain interest and use for bills and such. just sit down and figure out what spending is completely necessary and weed out the things that can wait and arent too important at the moment. should help immensely to get you more financially stable.

selling the cars is a problem. the prelude will make me more money because my second job is delivery. so look at my other 2 options for a delivery car. now, the cougar, ive grown very attached to, and its not worth anything, nor does it cost me anything. look at my member journal. the car and all the mods cost me $2k, i couldnt get $2k back for it so its not even worth selling. now, this brings me to the dodge. its fast, reliable, looks amazing, and is still fairly new. however i owe more than its worth. so if i was to sell it, i would stil be in the hole, and i would have 2 ****ty cars to show for it. if i take that $400 a month im saving by not having it and use that to pay the remainder of the loan off, im still gonna be paying for it for another year. and by that point in time, im sure i would have found another way out.

ThePrimerSuspect · 08-01-2007, 11:47 PM

im not trying to sound ungrateful for the advise, its just that ive been going over this stuff in my head for the last year or so. i have exhausted every possible option i cant think of. i really appreciate the suggestions, its just that most of what im hearing i have already attempted. im looking for another way. so please, keep them coming.

97TurboDSM · 08-01-2007, 11:50 PM

how long do you have left on your secondary cell phone plan? if its a long while wouldnt it be cheaper to just shell out the $160 instead of paying every month for it? and i see what you're saying about the cars. could you use to the cougar to make deliveries and get rid of the prelude or is that not an option? sorry if this is sounding repetetive, just trying to get more of an idea where you're coming from

ThePrimerSuspect · 08-01-2007, 11:53 PM

the cougar gets like 8 gallons per mile. and i got til march on the other phone. so it would be cheaper to cancel it, i just dont have an extra $160 at the moment. selling the prelude is very much an option, but i would need to pick up another beater anyway. i could (and most likely will) make at least a grand of the prelude.

CleanNeon98 · 08-01-2007, 11:55 PM

Quote:

Originally Posted by ThePrimerSuspect

the cougar gets like 8 gallons per mile. and i got til march on the other phone. so it would be cheaper to cancel it, i just dont have an extra $160 at the moment. selling the prelude is very much an option, but i would need to pick up another beater anyway. i could (and most likely will) make at least a grand of the prelude.

Why not sell the srt and cougar? have money now, work, and play hard later in life when you can afford to do so freely. Why do you think Im still driving my civic? cause I CAN go and get another car, but il be paying for a long long time, and have no money saved

97TurboDSM · 08-01-2007, 11:55 PM

hmm this is gettin tougher by the minute. i know you said you're attached to the cougar but at this point it might be worth it to get rid of it if you can get at least a grand for it which seems perfectly feasable. then you would still have the prelude to make deliveries and get great gas mileage.

ThePrimerSuspect · 08-02-2007, 12:01 AM

im leaning more towards selling the dodge IF i decide to sell anything at all. im not really concerned with the cars. the way i look at it, the only one that costs me anything is still gonna cost me even if i sell it, so why sell it? what i need is to make more money. i think i do a pretty good job of managing it, im just tired of stretching it.

bastid · 08-02-2007, 12:03 AM

$160 to cancel a contract with Verizon < Monthly payments through March.

CleanNeon98 · 08-02-2007, 12:03 AM

Quote:

Originally Posted by 97TurboDSM

hmm this is gettin tougher by the minute. i know you said you're attached to the cougar but at this point it might be worth it to get rid of it if you can get at least a grand for it which seems perfectly feasable. then you would still have the prelude to make deliveries and get great gas mileage.

OR, to keep the cougar, but take it off the insurance, and store it away, dont drive it. Then youll have the car for later, sell the srt, and keep the prelude as a dd car till you get some money together. when you are comfortable with the financial situation, put the cougar back on, and live life. the srt selling will relaly help you out though

ThePrimerSuspect · 08-02-2007, 12:04 AM

Quote:

Originally Posted by bastid

$160 to cancel a contract with Verizon > $14.23 in my checking account.

fixed it for ya.

ThePrimerSuspect · 08-02-2007, 12:05 AM

Quote:

Originally Posted by CleanNeon98

OR, to keep the cougar, but take it off the insurance, and store it away, dont drive it. Then youll have the car for later, sell the srt, and keep the prelude as a dd car till you get some money together. when you are comfortable with the financial situation, put the cougar back on, and live life. the srt selling will relaly help you out though

cougar $27 per month to insure
Prelude $22 per month to insure
SRT $218 per month to insure.

bastid · 08-02-2007, 12:07 AM

Quote:

Originally Posted by ThePrimerSuspect

What's another $160 in credit card debt on top of $6,000?

Right back at you.

ThePrimerSuspect · 08-02-2007, 12:11 AM

Quote:

Originally Posted by bastid

Right back at you.

damn........tha mans got a point.

CleanNeon98 · 08-02-2007, 12:11 AM

Quote:

Originally Posted by ThePrimerSuspect

cougar $27 per month to insure
Prelude $22 per month to insure
SRT $218 per month to insure.

Definately drop the srt-4 then...you might still owe some money on it, but you wont owe nearly as much as you would if you kept it, PLUS that 218 a month for insurance can really come in handy

97TurboDSM · 08-02-2007, 12:12 AM

Quote:

Originally Posted by ThePrimerSuspect

cougar $27 per month to insure
Prelude $22 per month to insure
SRT $218 per month to insure.

howa bout take srt off insurance and just rock the lude around for a while? i think that would make the most sense if you arent going to sell anything.

Edit: damn you for beating me to it.

ThePrimerSuspect · 08-02-2007, 12:12 AM

Quote:

Originally Posted by CleanNeon98

Definately drop the srt-4 then...you might still owe some money on it, but you wont owe nearly as much as you would if you kept it, PLUS that 218 a month for insurance can really come in handy

i think you should buy it.

CleanNeon98 · 08-02-2007, 12:13 AM

Quote:

Originally Posted by ThePrimerSuspect

i think you should buy it.

I cant afford or handle it....yes THE cleanneon cant handle a neon

...i mean srt4

08-01-2007, 11:38 PM	#23
sleepersatty99 Tri-State Addict Join Date: Mar 2007 Location: Mayfair Member #4142 My Ride: 99 saturn sl2 iTrader: (0)	yeah i would sell atleast one of the cars pay off the credit card that you owe 700 on and also pay to have the phone shut off. or you can pay the min on your cards and get rid of the one phone and take half of that payment and put that towards on of your cards. lol if that make any sense to you lol __________________ Im like a rubber band i always bounce back To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures. your suffering will be legendary even in HELL!!!!! To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

08-01-2007, 11:50 PM	#26
97TurboDSM TST Ruined My Life! Join Date: Sep 2005 Member #849 My Ride: '03 IY 20th GTI iTrader: (3)	how long do you have left on your secondary cell phone plan? if its a long while wouldnt it be cheaper to just shell out the $160 instead of paying every month for it? and i see what you're saying about the cars. could you use to the cougar to make deliveries and get rid of the prelude or is that not an option? sorry if this is sounding repetetive, just trying to get more of an idea where you're coming from __________________ FOR SALE! Canon 5D\|17-40L\|85mm f/1.8\|Sigmalux\|580ex

08-01-2007, 11:55 PM	#29
97TurboDSM TST Ruined My Life! Join Date: Sep 2005 Member #849 My Ride: '03 IY 20th GTI iTrader: (3)	hmm this is gettin tougher by the minute. i know you said you're attached to the cougar but at this point it might be worth it to get rid of it if you can get at least a grand for it which seems perfectly feasable. then you would still have the prelude to make deliveries and get great gas mileage. __________________ FOR SALE! Canon 5D\|17-40L\|85mm f/1.8\|Sigmalux\|580ex

08-02-2007, 12:03 AM	#31
bastid Tri-State Addict Join Date: Apr 2006 Member #1732 My Ride: 2008 BMW M3 iTrader: (0)	$160 to cancel a contract with Verizon < Monthly payments through March. __________________ *2008 BMW ///M3 Coupe: Alpine White on Extended Fox Red Novillo Leather Factory Options:* Premium Package : M-DCT : 19" Alloys : Technology Package : Bi-Xenon : Heated Seats : EDC : Premium Audio : iPod/USB Adapter Modifications: APE Performance S65B40 Air Filter : Fabspeed X-pipe : Remus Race Muffler

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08-01-2007, 11:35 PM	#21
ThePrimerSuspect Tri-State Addict Join Date: Jan 2006 Location: philly Member #1241 iTrader: (0)	my biggest regret is that i had to turn away a good $3k worth of sidework this summer because work was so busy i didnt have time. but now that work is slowing down the sidework isnt there anynmore.

08-01-2007, 11:47 PM	#25
ThePrimerSuspect Tri-State Addict Join Date: Jan 2006 Location: philly Member #1241 iTrader: (0)	im not trying to sound ungrateful for the advise, its just that ive been going over this stuff in my head for the last year or so. i have exhausted every possible option i cant think of. i really appreciate the suggestions, its just that most of what im hearing i have already attempted. im looking for another way. so please, keep them coming.

08-01-2007, 11:53 PM	#27
ThePrimerSuspect Tri-State Addict Join Date: Jan 2006 Location: philly Member #1241 iTrader: (0)	the cougar gets like 8 gallons per mile. and i got til march on the other phone. so it would be cheaper to cancel it, i just dont have an extra $160 at the moment. selling the prelude is very much an option, but i would need to pick up another beater anyway. i could (and most likely will) make at least a grand of the prelude.

08-02-2007, 12:01 AM	#30
ThePrimerSuspect Tri-State Addict Join Date: Jan 2006 Location: philly Member #1241 iTrader: (0)	im leaning more towards selling the dodge IF i decide to sell anything at all. im not really concerned with the cars. the way i look at it, the only one that costs me anything is still gonna cost me even if i sell it, so why sell it? what i need is to make more money. i think i do a pretty good job of managing it, im just tired of stretching it.