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The Water Cooler
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Car buying and financial responsibility
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<blockquote data-quote="HoLeChit" data-source="post: 2875116" data-attributes="member: 35036"><p>I understand what you are saying, however, not only am I getting a screaming deal on a truck, but it is all within the plan. I'm looking at a 2004 Cummins, with an immaculate carmax and extensive dealership Maintinence record, being sold by someone I trust. I'm hoping to talk him down to 10k, which would be reasonable considering his prior asking price. The truck fits what I need/want perfectly, and I have already been qualified for the loan. Purchasing that truck would take my payments down from 400+/mo to $230/mo for 48mos, and should drop my insurance. Keep in mind the truck is valued NADA at 19k, and the $230 a month is assuming I do not make a down payment on my loan.... My credit union doesn't require one, which I find odd. It's too good of a deal to pass up. And with the extra money I would have each month, I can use it to pay down higher interest debts first, and once everything is paid off, I should be able to easily make triple payments on the truck and still be within my budget, making the truck note effectively disappear in a very expedient manner.</p></blockquote><p></p>
[QUOTE="HoLeChit, post: 2875116, member: 35036"] I understand what you are saying, however, not only am I getting a screaming deal on a truck, but it is all within the plan. I'm looking at a 2004 Cummins, with an immaculate carmax and extensive dealership Maintinence record, being sold by someone I trust. I'm hoping to talk him down to 10k, which would be reasonable considering his prior asking price. The truck fits what I need/want perfectly, and I have already been qualified for the loan. Purchasing that truck would take my payments down from 400+/mo to $230/mo for 48mos, and should drop my insurance. Keep in mind the truck is valued NADA at 19k, and the $230 a month is assuming I do not make a down payment on my loan.... My credit union doesn't require one, which I find odd. It's too good of a deal to pass up. And with the extra money I would have each month, I can use it to pay down higher interest debts first, and once everything is paid off, I should be able to easily make triple payments on the truck and still be within my budget, making the truck note effectively disappear in a very expedient manner. [/QUOTE]
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