4PackGirl
12 years ago
but i'm cheap, foster.
ridiculously cheap.
seriously though, have you heard bad things about astro vans? other than the god awful way they look?!? lol.
Zero2Cool
12 years ago
I've always hated the idea of owning car and making payments. I did it once when I was 18, swore I'd never do it again. Then I was told all of the negative crap was taken off my credit report and only my stuff was left. My original plan was to drop $3k on a 5k car and make payments to help build my credit. But living in Colorado and driving to Wisconsin two or three times a year, I wanted a safe vehicle that was reliable for my girls. I really liked the Forte when I had one for a week.

Off the lot was just over $14k. I put 4 down. And now that I'm back living in Wisconsin, no longer needing to make said drive, ... paying hundreds of dollars for car payment and insurance every month is starting to bother me. The only setback is the car is basically the only 'reward' I have for how far I've come. When I drive it, I feel like I've gotten somewhere. I dunno how to explain it. It's almost like a trophy.

But any trophy that you lose this much money on ... I dunno if it's worth it ... especially since it's obviously not helping my credit score improve with Chase Bank ... enough to get a damn loan.
UserPostedImage
Porforis
12 years ago
I think credit ratings in general are quite ridiculous. I've had two student loans, a car loan, a credit card, and a couple other things on my credit history with zero missed payments and my deadbeat ex-roommate who spent a solid 80% of his income on food and booze (and didn't pay rent) happened to have a better credit score than I did when we first moved in. And my rating is still "good". The entire system is designed into training people into borrowing large percentages of their income and make a fortune off of them in interest. Buncha horseshit.
dfosterf
12 years ago

but i'm cheap, foster.
ridiculously cheap.
seriously though, have you heard bad things about astro vans? other than the god awful way they look?!? lol.

Originally Posted by: 4PackGirl 



I actually know a lot about cars. My problem is this. Since I'm perceived as a friggin' "know it all" dick-head, rightly or wrongly deserved, my opinion on your vehicle choice has been minimized. I hope you get lucky, but that is a tranny that will statistically fail, and the guy at the service dept. is gonna look at you with a blank stare and say, "whatever" we will fix it for 2k.

OR it will go forever. Flip a coin, those are the approximate odds, imo.



DakotaT
12 years ago
People really need to start getting back to the old ways of doing business. Buy only what you can pay for. The hell with credit cards and loans. And if you do use your credit card, pay it off every month.
UserPostedImage
Porforis
12 years ago

People really need to start getting back to the old ways of doing business. Buy only what you can pay for. The hell with credit cards and loans. And if you do use your credit card, pay it off every month.

Originally Posted by: DakotaT 



I see plenty of people that get into rough situations by buying tons of toys they can barely afford then their car breaks down and they're screwed and have zero sympathy for them, but I've also seen people that have had a seemingly stable job and live within their means and keep an emergency fund that get screwed by life. I live fairly frugally and keep roughly six months worth of rent/food saved up at all times but if my car blew up and the wife's fell apart I'd still be in a spot where I can either blow my emergency fund on a $3000 car or get a more reliable car for more like $6-7k and suddenly have a car loan to worry about. Big ticket items are very, very hard to not go into debt over - who the heck is going to keep ~$8000 sitting around in a bank account instead of paying off student loans or investing?
DakotaT
12 years ago

I see plenty of people that get into rough situations by buying tons of toys they can barely afford then their car breaks down and they're screwed and have zero sympathy for them, but I've also seen people that have had a seemingly stable job and live within their means and keep an emergency fund that get screwed by life. I live fairly frugally and keep roughly six months worth of rent/food saved up at all times but if my car blew up and the wife's fell apart I'd still be in a spot where I can either blow my emergency fund on a $3000 car or get a more reliable car for more like $6-7k and suddenly have a car loan to worry about. Big ticket items are very, very hard to not go into debt over - who the heck is going to keep ~$8000 sitting around in a bank account instead of paying off student loans or investing?

Originally Posted by: Porforis 



I keep around $10 to $20K in the bank at all times. I probably should just pay off my school debt, but it's a 3% and I like to have some liquidity if I need it.


UserPostedImage
Porforis
12 years ago

I keep around $10 to $20K in the bank at all times. I probably should just pay off my school debt, but it's a 3% and I like to have some liquidity if I need it.

Originally Posted by: DakotaT 



I'm probably at a different stage of my life too, I'm hopefully transitioning from my first "real", long-term job that still pays shit to a decent-paying job, time to think about nuking the wife's student loans and saving for a house... No reason to have two debts at once if I can avoid it, sadly it'll probably be 5 years before I get to that point but meh. I'm 25 and the wife's 23 for context.

Some of the people I was talking about are 28-33 and still living with their parents, constantly put in 50% at work, spend all their money on computer stuff then demand to work from home when their car breaks down and they can't fix/replace it. That's the sort of attitude that pisses me off, but yeah, there are a ton of people out there that live within their means and get screwed by life.
dhazer
12 years ago
I just bought a 2007 silverado back in November just to help build my credit or as I said "to become an American because most Americans are in debt". But the thing is I switched jobs and with the pay increase covers the truck payment so I am not really hurting myself. My student loans are paid off, house is paid off and my other car is paid off and my 2 quads are paid off. So I say Zero find a way to get yourself a payment you can live with.

Ok also a really big reason I am not worried is because I am not married or have kids.
Just Imagine this for the next 6-9 years. What a ride it will be šŸ™‚ (PS, Zero should charge for this)
UserPostedImage
DakotaT
12 years ago



Ok also a really big reason I am not worried is because I am not married or have kids.

Originally Posted by: dhazer 



Grow some nads and become miserable like the rest of us. 🤐


UserPostedImage
Fan Shout
Mucky Tundra (2h) : @jalenreagors They’re discussing if Sheduer can go back to college on NFL Network LMFAOOOOO
beast (4h) : Great point Martha
beast (4h) : Buddy Ryan used to say if a candy bar goes missing, there are two to blame, Rex and Rob 🤪 jk 😁
Martha Careful (7h) : Bum Phillips used to say there are two ways to get better. Get better players or get players to play better. We have a new DL coach
Zero2Cool (7h) : Yes. Look at the losses last year. They can win.
beast (7h) : Can Packers win with their current DL?
bboystyle (9h) : waiting for a pass rusher.
dfosterf (11h) : 5 minutes between picks in the 3rd
dfosterf (11h) : 3rd. Hate this phone
dfosterf (11h) : 4rd
dfosterf (11h) : 5 minutes in the 4
dfosterf (11h) : 7 minutes between picks in the 2nd round
Martha Careful (11h) : Sorry to bitch, but the headline writers in that section absolutely mislead, or don't know how to read. It is maddening
Martha Careful (12h) : No thanks. Not a dependable guy to be in the right place and run the right route. Dumb as a box of rocks.
Zero2Cool (12h) : Losing 2nd round pick for a one year rental, not ideal. Especially a headcase.
TheKanataThrilla (13h) : Pickens for Jaire may be interesting. Definitely not sure we want Pickens long term.
dfosterf (13h) : No.Absolutely not
Zero2Cool (13h) : NO NO NO NO NO NO!!1 🤬🤬🤬🤬🤬
dhazer (13h) : scenario: Our main prospects are off the board when our pick comes around, do we just throw a 2nd round pick at Pittsburgh for Pickens
TheKanataThrilla (13h) : Hopefully she had some comfort that her son will be live his dream when she passed away. Sad news.
Mucky Tundra (15h) : Damn that sucks
Zero2Cool (15h) : News about Derrick Harmon mom, saddening.
Zero2Cool (16h) : Mark Murphy: "I predict we will trade up once and down twice."
beast (17h) : Rip the Packers and getting the fans yelling and booing him
beast (17h) : Super competitive Bears fan and WWE "superstar" wrestler, Seth Rollins is supposed to announce a Bears pick and absolutely rip Packers
packerfanoutwest (25-Apr) : Golden
beast (25-Apr) : I want DT Derrick Harmon, Oregon
Mucky Tundra (25-Apr) : And I can't be looking at my phone
Mucky Tundra (25-Apr) : Hey I'm at work lol
Zero2Cool (24-Apr) : btw, new site chat won't delete auto like
Zero2Cool (24-Apr) : because everyone left like wimps
TheKanataThrilla (24-Apr) : I am wondering if there is some type of autoclear when there isn't activity after a certain amount of time.
Mucky Tundra (24-Apr) : What happened in the chat? Me and Zero posted a few things earlier and they're all gone
dfosterf (24-Apr) : 10-15 min bs plus flyover
dfosterf (24-Apr) : Yes
Zero2Cool (24-Apr) : 7pm is when this kicks off????
buckeyepackfan (24-Apr) : I told him. IT'S VONTE MACK , no matter what!
buckeyepackfan (24-Apr) : He asked me who I thought The Browns were taking.
buckeyepackfan (24-Apr) : 2. Would of had to wear Browns gear all week. NOPE I'll watch from my living room.
buckeyepackfan (24-Apr) : He wanted to know if I would go. 2 things, would have had to fly from Detroit to Green Bay. Nope
buckeyepackfan (24-Apr) : All expense paid trip to the draft. He will be in the Browns section. I told him to say hi to J-10VE for me 😃😃i
buckeyepackfan (24-Apr) : For a call from my nephew, he won an sllexp
TheKanataThrilla (24-Apr) : Hope to see everyone in the Chat tonight!!! Go Pack Go!!!
TheKanataThrilla (24-Apr) : Jeanty would be a great pick-up for the Bears. I see Warren mocked to them as well who I think would be a great selection.
Zero2Cool (24-Apr) : GameDay Chat is open. Posting bits an tids in there.
Zero2Cool (24-Apr) : Excellent Source: The Bears have a deal in place to move up to 5 if Jeanty is there.
Zero2Cool (24-Apr) : Probably not until 10pm will be making pick
dfosterf (24-Apr) : But it is still not tonight. Lol
wpr (24-Apr) : Today is finally here.
dfosterf (24-Apr) : I should have put it in quotes
Please sign in to use Fan Shout
2024 Packers Schedule
Friday, Sep 6 @ 7:15 PM
Eagles
Sunday, Sep 15 @ 12:00 PM
COLTS
Sunday, Sep 22 @ 12:00 PM
Titans
Sunday, Sep 29 @ 12:00 PM
VIKINGS
Sunday, Oct 6 @ 3:25 PM
Rams
Sunday, Oct 13 @ 12:00 PM
CARDINALS
Sunday, Oct 20 @ 12:00 PM
TEXANS
Sunday, Oct 27 @ 12:00 PM
Jaguars
Sunday, Nov 3 @ 3:25 PM
LIONS
Sunday, Nov 17 @ 12:00 PM
Bears
Sunday, Nov 24 @ 3:25 PM
49ERS
Thursday, Nov 28 @ 7:20 PM
DOLPHINS
Thursday, Dec 5 @ 7:15 PM
Lions
Sunday, Dec 15 @ 7:20 PM
Seahawks
Monday, Dec 23 @ 7:15 PM
SAINTS
Sunday, Dec 29 @ 3:25 PM
Vikings
Sunday, Jan 5 @ 12:00 PM
BEARS
Recent Topics
4m / Green Bay Packers Talk / Mucky Tundra

51m / Green Bay Packers Talk / Mucky Tundra

1h / Green Bay Packers Talk / Mucky Tundra

4h / Green Bay Packers Talk / beast

6h / Green Bay Packers Talk / beast

9h / Green Bay Packers Talk / beast

13h / Green Bay Packers Talk / bboystyle

15h / Green Bay Packers Talk / Mucky Tundra

15h / Green Bay Packers Talk / Martha Careful

18h / Green Bay Packers Talk / beast

24-Apr / Green Bay Packers Talk / TheKanataThrilla

24-Apr / Green Bay Packers Talk / Zero2Cool

24-Apr / Green Bay Packers Talk / wpr

24-Apr / Packers Draft Threads / wpr

22-Apr / Random Babble / Martha Careful

Headlines
Copyright Ā© 2006 - 2025 PackersHome.comā„¢. All Rights Reserved.