DakotaT
10 years ago
Zero, if you run into a cash cow all of a sudden, the first urge is to go on a spending spree. The fiscal conservative pays down his debt first.

Paying off that loan would be a very good thing to do, and it won't hurt your credit score at all. Think of it as fucking the banker that has been fucking you. Then if you want, go upgrade your vehicle, but get a better loan rate, in fact, message me with the terms offered and I can go through the numbers to determine your level of sodomy.
UserPostedImage
Zero2Cool
9 years ago
I am still seeking that cash cow, lol. Since I started this, my credit score has jumped nearly 200 points which I was expecting a healthy jump around May or June when the Sallie Mae double dipping efforts were abolished. So now the only debt I have are my student loans which I think I might start looking into getting a better interest rate and paying them off as soon as I can.

The purpose for bumping this was just an update of sorts and to say my goal was to buy a home this summer when I expected my score to jump, but goodness, the more I research into owning a home, it feels more like I'd be taking on two more kids.
UserPostedImage
PackFanWithTwins
9 years ago
If you pay $10/mo extra, you can cut about a year off the term of the loan. As stated before, remember to specify the excess to principle. Paying it off early won't hurt your credit score, it might just not be improved as much as it would have. If you pay if off early by making consistent payments of a higher amount, you will likely improve your credit just as much if not more.

An option if you can swing it, would be to pay it down part way fast, to a point where you can sell it for more than you owe. Just to get out from under the loan. Than buy a cheaper car. Not only would you save on interest, you would be able to cut your insurance cost as well. Over the long haul you would save big.

Once you get out from under the loan, make car payments to yourself. Put the money away and when it would come time to replace you will have the cash ready.

Very dependable cars can be had for $5000 or less. My 01 Altima was $5000 when I bought in 2011. It has 121K miles. today it has 240, and all I've needed to put into it has been gas, oil, tires, a battery, brakes and rear struts. Run Synthetic oil and only change the oil every 15,000 miles. It is starting to show body rust under the rear doors. Other than that, it should make 300,000 miles. That is unless my daughters who will be driving in another year decide to remodel it.
The world needs ditch diggers too Danny!!!
Zero2Cool
9 years ago
Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.
UserPostedImage
PackFanWithTwins
9 years ago

Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.

Originally Posted by: Zero2Cool 



Damn, quit reading 1 post to soon is seems.
The world needs ditch diggers too Danny!!!
dhazer
9 years ago

Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.

Originally Posted by: Zero2Cool 



pay mine off my truck is still 23,000 and my wifes car is 12,000




Just Imagine this for the next 6-9 years. What a ride it will be ๐Ÿ™‚ (PS, Zero should charge for this)
UserPostedImage
DakotaT
9 years ago

I am still seeking that cash cow, lol. Since I started this, my credit score has jumped nearly 200 points which I was expecting a healthy jump around May or June when the Sallie Mae double dipping efforts were abolished. So now the only debt I have are my student loans which I think I might start looking into getting a better interest rate and paying them off as soon as I can.

The purpose for bumping this was just an update of sorts and to say my goal was to buy a home this summer when I expected my score to jump, but goodness, the more I research into owning a home, it feels more like I'd be taking on two more kids.

Originally Posted by: Zero2Cool 



Well, I can't get any of you morons to adjust how you look at the politics of the world, but at least you can take some financial knowledge and apply it.

Some people claim that owning a home is a key to obtaining wealth. I'm not totally convinced on that one. When you dive into the numbers and include taxes, upkeep, and mortgage interest - I believe renting is much cheaper. In your case, with the age of your daughters and them going off to school - buying a home probably does not make the best financial sense for you.
UserPostedImage
DakotaT
9 years ago

pay mine off my truck is still 23,000 and my wifes car is 12,000



Originally Posted by: dhazer 



None of you has the right call me stupid, ever!!!!!!!!!!! :thumbleft
UserPostedImage
Zero2Cool
9 years ago

Some people claim that owning a home is a key to obtaining wealth. I'm not totally convinced on that one. When you dive into the numbers and include taxes, upkeep, and mortgage interest - I believe renting is much cheaper. In your case, with the age of your daughters and them going off to school - buying a home probably does not make the best financial sense for you.

Originally Posted by: DakotaT 



Good to have financial experience agree with my thinking as well. Maybe if I had been more wise with my dollars 10-15 years ago and bought a home in my early twenties it would have been a decent time. And then when the girls were moved out, sell it and rent a nice small hole in the wall place to live out my days. Oh, with a garage, need a garage.
UserPostedImage
DakotaT
9 years ago

Good to have financial experience agree with my thinking as well. Maybe if I had been more wise with my dollars 10-15 years ago and bought a home in my early twenties it would have been a decent time. And then when the girls were moved out, sell it and rent a nice small hole in the wall place to live out my days. Oh, with a garage, need a garage.

Originally Posted by: Zero2Cool 



You can't beat yourself up for what happened to you with you marriage. Nobody goes into a marriage thinking, yeah this is going to be a colossal failure. That shit happened, its over, most importantly you survived it all with the love of your children to boot.

The money shit doesn't matter. I'd give it all away so that Mia wouldn't have ever had to know what cancer is.

Speaking of holes in the wall - you might as well pick some place warm and beachlike. You can do that nerdy computer techy shit anywhere, can't you?

UserPostedImage
Fan Shout
Zero2Cool (3h) : Jets released K Riley Patterson and signed K Anders Carlson to the practice squad.
wpr (3h) : Thanks guys
Mucky Tundra (23h) : Happy Birthday wpr!
Zero2Cool (23h) : Anders Carlson ... released by 49ers
dfosterf (7-Nov) : Happy Birthday!๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š
wpr (7-Nov) : Thanks Kevin.
Zero2Cool (7-Nov) : Happy Birthday, Wayne! ๐ŸŽ‰๐ŸŽ‚๐Ÿฅณ
beast (7-Nov) : Edge Rushers is the same... it's not the 4-3 vs 3-4 change, it's the Hafley's version of the 4-3... as all 32 teams are actually 4-2
Zero2Cool (6-Nov) : OLB to DE and player requests trade. Yet folks say they are same.
beast (5-Nov) : In other news, the Green Bay Packers have signed Zero2Cool to update their website ๐Ÿ˜‹ jk
beast (5-Nov) : Might just re-sign the kicker we got
beast (5-Nov) : Are there any kickers worth drafting next year?
Zero2Cool (5-Nov) : Preston Smith for Malik Willis
Mucky Tundra (5-Nov) : Getting a 7th rounder from the Stillers
Zero2Cool (5-Nov) : At least we get 7th round pick now!! HELLO NEW KICKER
Mucky Tundra (5-Nov) : Steelers getting a premier lockdown corner!
Zero2Cool (5-Nov) : Packers are trading edge rusher Preston Smith to the Pittsburgh Steelers, per sources.
Mucky Tundra (5-Nov) : Preston Smith traded to the Steelers!!!!
Zero2Cool (5-Nov) : CB Marshon Lattimore to Commanders
Zero2Cool (5-Nov) : Bears are sending RB Khalil Herbert to the Bengals, per sources.
Zero2Cool (5-Nov) : ZaDarius Smith continues his "north" tour.
Zero2Cool (5-Nov) : Let the Chiefs trade a 5th for him
Zero2Cool (5-Nov) : Nearing 30, large contract, nope.
Martha Careful (5-Nov) : any interest in Marshon Lattimore?
Zero2Cool (4-Nov) : What does NFL do if they're over cap?
Mucky Tundra (4-Nov) : They've been able to constantly push it out through extensions, void years etc but they're in the hole by 72 million next year I believe
hardrocker950 (4-Nov) : Seems the Saints are always in cap hell
Mucky Tundra (4-Nov) : Saints HC job is not an envious one; gonna be in cap hell for 3 years
Mucky Tundra (4-Nov) : Dennis Allen has now been fired twice mid-season with Derek Carr as his starting QB
Zero2Cool (4-Nov) : Kuhn let go
beast (4-Nov) : I wonder if the Packers would have any interest in Z. Smith, probably not
Zero2Cool (4-Nov) : Shefter says Browns and Lions will figure out how to get a deal done for Za'Darius Smith..
Zero2Cool (4-Nov) : Packers are more likely to have 1,000 yard rusher than 4,000 yard passer
Zero2Cool (3-Nov) : It's raining hard.
Zero2Cool (3-Nov) : Packers inactives vs. Lions: CB Jaire Alexander S Evan Williams C Josh Myers Non-injury inactives: WR Malik Heath OL Travis Glover DE Bren
packerfanoutwest (3-Nov) : Malik Willis: My focus is helping the Packers win, not proving I can start elsewhere. But he could
Zero2Cool (1-Nov) : I had Texans, but the loss of another WR flipped me
wpr (1-Nov) : I thought about taking the Jets but they've been a disaster. Losing to the Pats last week
Zero2Cool (1-Nov) : Surprised more didn't pick Jets in Pick'em.
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 @ 12:00 PM
Vikings
Saturday, Jan 4 @ 11:00 PM
BEARS
Recent Topics
4h / Green Bay Packers Talk / buckeyepackfan

18h / Around The NFL / beast

6-Nov / Green Bay Packers Talk / Zero2Cool

6-Nov / Green Bay Packers Talk / Zero2Cool

6-Nov / Green Bay Packers Talk / beast

6-Nov / Green Bay Packers Talk / Martha Careful

5-Nov / Green Bay Packers Talk / Mucky Tundra

5-Nov / Green Bay Packers Talk / Zero2Cool

5-Nov / Featured Content / Zero2Cool

5-Nov / GameDay Threads / Cheesey

5-Nov / Green Bay Packers Talk / Martha Careful

5-Nov / Green Bay Packers Talk / Martha Careful

5-Nov / Green Bay Packers Talk / Martha Careful

4-Nov / Green Bay Packers Talk / beast

2-Nov / Around The NFL / wpr

Headlines
Copyright ยฉ 2006 - 2024 PackersHome.comโ„ข. All Rights Reserved.