Who pays for their car themselves?

[icegrill]

Just wondering who else pays for their car themselves? After rent, bills and food not much money left for mods. I'd love to be able to get everything at once but, I = don't want huge credit card debt.

[XspeedSi02]

I pay for mine by myself. Still have some extra cash once in a while to buy some mods.:D

[IceD out N CALI]

i pay for mine all on my own:)

[mrfixit687]

in :D

[foilpan]

same here... unless anyone wants to pitch in.

[cj miller]

I pay for my car payments and thats all. i live at home so no other bills really. im saving up right now. im gonna get 4-5 g's saved up by the end of summer and blow it all on my engine. we will see. can anyone tell me how to freaking chage my little text above avatar?? mine just says member!!!!!!!!:mad:

[SpeedRacer]

i pay for all my own stuff. i tell you it is hard but i have to do what i have to do to have what i want i guess.

my pops helps me out with my cell phone bill though and my rent is only 500 bucks but there are so many damn expenses living on you own even though i have roommates (my bro and his girl)

[slikz]

I bought mine last night cash:D so no payments for me

and it was all my own money:) and im 18 haha

[minimay7]

2003 Si paid in full!!!

Save up for your car people!! Don't pay interest!!!

[team ERA 5]

same here i pay 313 every 25th of the month AND gotta cell phone bill too....

im striving getting paid 7.50 an hour

any donations would be great PAYPAL donations to futurericeburner@hotmail.com
:D :D :D :D :D

hahah

[SpeedRacer]

Originally posted by team ERA 5
same here i pay 313 every 25th of the month AND gotta cell phone bill too....

im striving getting paid 7.50 an hour

any donations would be great PAYPAL donations to futurericeburner@hotmail.com
:D :D :D :D :D

hahah

i feal you man i make a little more then 7.50 an hour but with all my bills i feal like i make 5 bucks an hour. my payments are only 240 but i pay 300 everymonth so i dont have to pay as much interist. I owe less then 10,000 now and that kinda feals good. as soon as i start getting my bigger checks im going to dump it all into car payments and get this bitch paid off. Then im going to buy a element and gut my si and make it a road race car and a canyon car so i wont have to drive it around town as much. I will roll im my element. atleast this is what i hope to do but it probly wont happen i will be lucky if i still have my liscense the rate im going. im juggling four tickets right now. i should drive slower though i have brought this upon myself i used to say i hate cops but 2 cops let me go about a month ago right after another so after that i try not to say i hate them since those 2 guys really helped me out by letting me go but then again there is certain cops that i dont like because even though most the tickets i deserved some of them have just been plain old BS.

[klik]

pay this car my own sweat and blood 100% im 19
got a little extra for food, gears and shit , gotta love livin and payin your own shit

[Suk02Si]

I do.

It's hard trying to mod a car without any money:(

[03hatch]

Originally posted by minimay7
2003 Si paid in full!!!

Save up for your car people!! Don't pay interest!!!

thats what im talking about...forget interest now.. now im broke..time to save again haha

[02SilverSiHB]

I pay for mine :)

[twiztidsals]

sign me up - mortgage, bills, car payment, CAR INSURANCE, there isn't much left! i've gotten so many compliments on her since i got her in March, something about that cool little blue thing in the driveway keeps me going =D

[ssvr6]

I pay for my Si and my wife's Passat. I make a little more than $7.50 an hour. ;)


Steve

[marcryan27]

count me in.. i paid $363 evry month for a 03 Si.. hehehe try to work more overtime for my mods.. :D or else it will take months before i could buy any mods

[ghettoprettie]

i do and insurance...and it seems like credit card is the only way to go for mods

[sonic imperial]

I am completely on my own, so my car, house, and everything that goes along with it are all on me.

[Will2K2]

Originally posted by icegrill
After rent, bills and food not much money left for mods. I'd love to be able to get everything at once but, I = don't want huge credit card debt.

Preach on Brotha!!!!!!!!!!!!!, you said it right

I gotta move somewhere cheap, my rent is $905 (2 bedrm) and thats considered HELLA Cheap in my area!!!!!!

Rent = $905
Car Payment $500
Car Insurance = $90
Apt Insurance = $25
Cell = $75
Internet = $75 (DSL ultra, 3Meg service)
Food=$250- $400?
Asst'd= $200

Total over $2100 not including toys! and Mods!



:(

[my02si]

Dang you guys need to move to Oklahoma... My HOUSE payment is $513... And Car is 3 something 181 for insurance with a clean driving record :( I am 21 and I pay for it all.... I also make a little more than $7.50 since we are on the subject.. :)

[Joker]

I have been paying my way for everything ever since I turned 18, and got booted out of the nest :eek:

[S2kGirl]

Originally posted by my02si
Dang you guys need to move to Oklahoma... My HOUSE payment is $513...

I have never though about moving to Oklahoma, but it suddenly sounds very appealing. Hmmmmmm..............

And, Yeah. I pay all my bills myself.

[RiceCzechs]

It's all me, all the time...

:(

[My_Blk_Si]

I guess im in the same boat as you guys... bills... bills. & more bills... i guess my sig says it all...:D

[Jaws Of Death]

yeah, I feel you guys on this, paying for your mods yourself makes you appreciate them more than those kids whose turbo kit comes courtesy of daddy. Not that I would argue with my dad if he got me a turbo kit.:D

[ny-quiL]

bills suck, thats it. ive had to pay the rent in full the last two months cause my girl doesnt have a job....grrr....that with car payment and insurance kills any chance of getting any mods for the si....and on top of that she is ragging on me to get a cell phone, that i will never use...buh! eh i guess im kinda ranting, but everyone needs to now and then right?

shit i need to win the lottery soon, anyone got any tips on that :D

[Gasp23]

I pay for all my stuff. I'm 23, got rent, food, cell phone, car payment and car insurance. I just got another job so I can mod the car.:p

[mixedupneko]

I am a 19 year old kid i drove a 1984 oldsmobile b 4 i got my ep3. I Finaly got it and what can i say its the biggest financial burden ive ever been in in my life, I pay for my car payments,my inshurance,my school,my gas,my food,my cellphone and i give my mom money for my little sister, ive been independent ever since i was young but its getting ruff lately cuz i go to school and work fulltime its kinda killing me if there was a way to sell my si i just mite do i i cant take almost missing payments and shit n e more its just to much.

[stephen]

Originally posted by minimay7
2003 Si paid in full!!!

Save up for your car people!! Don't pay interest!!!

instead of paying cash, youre better off taking a three to five year plan at 1.9%, and putting the rest into a long term investment plan. Even with the economy in the ruts, you'll still average anywhere from 5-10% yield, which is better than the 1.9% interest.

[fsugatorbait]

I pay for mine as well, $338 a month on top of $250 a month for insurance (22 on my own plan) and rent soon to be mtg:D . Makes things a little rough, but its all worth it.

[JoshSI]

I pay for all my shit too! I am still looking around for that random brief case full of money that will be laying in a ditch someday in my life! :)

Or....maybe I should be a lottery winner! haha

[master7]

$385 a month all on me with 595 for rent , about 70 on cell,100 on car insurance , then electric bill about 65/house phone which i am about to get cut off about 45- and we cant forget food for me and the two dogs i got about 100 a month ---Its hard to get mods . i mean i got a pair of Tein springs sitting in living room , waiting to get some money saved up to put them on.

[superjon]

19 Years old - saving for school. = no money for mods (until i get a night job too)
$300 rent
$350 car
$250 ins
$50 cell
$50 internet
Watching all the ricers jaws drop at my ep?

Priceless.

:D

[PoRT]

i pay for mine on my own.. i am 22, and i must say.. you guys are damn lucky... i was upside down on my trade in on the EP and i got screwed, but it doesnt matter, i like my car.. i pay $455 a month on this bad boy:eek:

[fsugatorbait]

22 and two engine swaps under your belt, damn! Im struggling with car payments, rent and other bills. Cant wait for student loans to go through this summer then its moding time:D

[jaydub]

I've never traded in a car which I was upside down on. I basically got my Si with 0 down.

[BSEVEER]

Same story here, all me, well almost. I got laid off Jan. 31st, two months after getting my ep. Unemployment covers pretty much everything but my wife has been paying a little more on utilities and stuff since then. I really need to get a job...:(

[SeatownEP02]

working full time at $7.75 + commission
paying 400 a month (350 for car 50 for insurance)
paying own food(whenever im away from home), gas ect

parents paying-DSL, food(when im at home), the rest of insurance

[AznPower]

i pay for mine. its a bitch along wit my 50 million other bills.

[Sb00]

save up and put a BIG down payment :) and get a good deal

i'm paying
160 for my car
270 for insurance
50 for cell phone

living at home does have it's perks
:( still need my own place....

[RyteN2Ep3]

22, got my car 4-05-2002 (5yrs finance)
monthly payment $375
insurance $2200/year
rent $365
cell $63
dsl $50
... everything is out of my own pocket so it makes me appreciate what i have even more... esp. my ep :o
.. umma have to find me a rich girl!!!! ;)

[BarracksSi]

Paying for the EP, cell, mortgage (used to be rent, but I just closed on my condo a few eeks ago -- yay for building equity!), soon-to-be-DSL, insurance, etc etc. All this on an E-4's pay.

However, my monthly payments would be significantly higher if it were not for the legacy left by my grandfather, who retired as a colonel in the USAF. He was able to take care of everybody in the family even when he was gone.

[SiRRider]

I could never have an Ep making 7.50 an hour and I am extremely good with money. I do pay for everything and I life with my GF. 620 Rent, 145 insur, 120 gas, 347.26 car 250 for utilities. and the list goes on. If I didnt have those bills my SI would be one wicked little car. I love cars.

[Silver Bullet]

I am 33, I have 3 boys. I pay $ 2400 month mortgage, I own my EP. We own my wives 03 Ram. I own all my dirt and street bikes. My wife has not worked for 10 years. I know all about LIFE!

[IceD out N CALI]

Originally posted by Silver Bullet
I am 33, I have 3 boys. I pay $ 2400 month mortgage, I own my EP. We own my wives 03 Ram. I own all my dirt and street bikes. My wife has not worked for 10 years. I know all about LIFE!

i want to be able to handle my finances like you when i'm 33:)

[siver-SI]

I pay for it myself. With all this over time I was getting I was able to have a bit of extra cash so I was getting some mods. Now that it is slowing down at work in over time it will take me about a month to get enough cash for a head unit.

[blueiedgod]

I guess I would be in the category who pays his own bills.
EP $270
Insurance $150 for 2 cars (I have an 88 prelude with 4Wheel steering, that I can not seem to part with)
Rent: $1100
Utilities: $250 (phone, cable (including internet), electric, gas)
Student loans: $250 (3 more months left!!!!! yeapeeeeee)
The rest is mine, but i am saving up for a big downpayment on a condo.
So, dough for mods. except for little here and there. Just installed a new MP3 radio.

[SiRRider]

Ya there is 2 category on this thread. The people who pay for their cars and the poeple who pay for their cars and the BILLS...
etc.

[SiNi$t3R]

Originally posted by slikz
I bought mine last night cash:D so no payments for me

and it was all my own money:) and im 18 haha

banner saying ***Powered by Mom & Dad Racing***

[ortedd]

I pay for everything. It sucks some times, but i would not trade it for anything. Well maybe the ability to pay for all of it with out caring

[sniperSI]

448 every month. Sucks about having bad credit eh?

[SiR Medic]

Pay for ALL my own bills.

Single guy, making EP, mortgage, utilities, etc, payments.

EP payments...$480/month!:eek: (my trade-in, a POS Grand Prix, was worth what I owed on it:mad: )

House payments... $190/bi-weekly. Plunked down a 35% downpayment on the house (Now its ALL EQUITY BABY!):cool:


In five years the EP will be paid off, my RRSPs will be bulking up nicely, and the house will be half paid for. A few more years of saving up, and I'll be S2000 shopping!:D

[Sidriver]

Yeah I pay for my Ep
$378 car payment
$285 auto insurance
My budget is pretty tight. I'm glad i still live at home.
I definitely need a higher paying job. Working $5.50 an hr +comission full time.

[VegasEP]

Glad to see im not the only broke ass on this site!

Okay here's my break down.......25 still at home (UGH)

Car / $479
Insurance / $160 (not bad for three tix and one accident)
Credit Cards / $500
Student Loans / $100
Rent for the 'Rents / $300
Utilities (Cell Phone/Cable Modem) / $100

= $1639 per month and I take home after taxes $2400 ($15.00 an hour plus mielage and travel) Per month.

It really sucks ass when you only have $300 ish a month for food, gas, kickin it , etc and paying the BARE minimum on credit cards. But I got myself into this mess and I'll find a way out eventually LOL! Sometimes I just wanna jump into my EP and drive to the middle of nowhere. But I feel for all you guys, I'm right there with you.

Chris

[SiRRider]

Try living in Canada where our Personal income tax is 3 to 4 times what Americans pay. I gross a little over 900 bucks a week and the Gov takes 300 of it. Man that really SUCKS!!!!!!!

[SiNi$t3R]

Originally posted by SiRRider
Try living in Canada where our Personal income tax is 3 to 4 times what Americans pay. I gross a little over 900 bucks a week and the Gov takes 300 of it. Man that really SUCKS!!!!!!!
Dude! its almost the same here in the US. My earnings for the week are $779.19
tax $225.45

take home $553.74

[SiRRider]

I always thought it was a lot lower?????

[SiNi$t3R]

sorry dude the rape is everywhere.

[SiR Medic]

Of course... Here in Canada we get the lovely GST (Goods and Services Tax). 7% on just about EVERYTHING. Also, we get provincial tax (usually about 8%) on the same things!

All in all, we see about 35% taken from our paycheck and then get to pay about another 15% when we spend it!

Add to that the low value of the Canadian dollar, which is thankfully starting to rise again(yay!!:D ) and some stuff for us is hella expensive!

[Pradamuimui]

I pay for my own car, apartment, education....just about everything!! It sucks though...I would rather be a spoiled brat!!:p

[SiRRider]

Ya we take it pretty hard here in Canada.

[Dunrick]

Pay 100% of my shit

makes me pecker hard!!@$!^#

[phatsi]

i feel for all who are strugglin.... i was there and did that but keep your head up, things turn around after awhile.....
i paid zero down 1.9% for 15,400 at 300 a month....
insurance 30 a month...sounds pretty good so far....
900 rent and 500 student loans plus all the other bills....oops
doesnt sound so good now but i love my phatsi.....

[sniperSI]

Yeah, we get taxed to the tune of about 20% every week on our wages, but at least you guys have good health insurance. We Usualy pay extra for that ;)

[siver-SI]

Yea with all my over time that I do I am getting taxed at 25% right now. I use to be at about 23% but I moved up a tax bracket. My health insurance and dental is only $10 together every two weeks through my work.

[02TafWhtSi]

Originally posted by PoRT
i pay for mine on my own.. i am 22, and i must say.. you guys are damn lucky... i was upside down on my trade in on the EP and i got screwed, but it doesnt matter, i like my car.. i pay $455 a month on this bad boy:eek:

How much did you put down at the beginning and how long is your term? My down payment was $5K and I'm paying $361/mo for 48 months @ 7.5%

[JDMEP3]

I'm payin' for mine...:cool:

[blueiedgod]

Originally posted by sniperSI
Yeah, we get taxed to the tune of about 20% every week on our wages, but at least you guys have good health insurance. We Usualy pay extra for that ;)

You are lucky, FL doesn't have state income tax. If you think 20-25% is bad, I pay about 35% in taxes and my bonuses are taxed at 48%. That is half!!! that goes to the government. what do i get back from the goverment? nothing, people on welfare pay about $100/month in rent and that includes their utilities. welfare gives them frigging medical with no deductible nor copay, and i have to pay portion of my medical and have to pay $30 to fill a brand name prescription. This is where my taxes are going, to crack head mothers that can't keep their legs together and their crack head boyfriends, that keep banging anything that has 2 legs and a skirt.
It goes to pay a senator salary ($150 000 -250 000/year) who have their own pension plan and i am going to be stuck with social security when I retire that will pay about $1000/month when I am 73. and these senators don't even bother go to work everyday, check your local senator's attendance and they only work 150 days a year.
That is where my money goes!!!!!

[SiRRider]

The Tax thing should be a whole other Thread lol We could all talk about that forever. We will never win......

[ADAMnQuickCIVIC]

My sugar mommy pays the bills cuz i'm outta work right now.
$1200/ mo unemployment helps a little...a little.
Doesnt even nearly cover our mortgage, let alone my car payment ($319), wifes car payment ($300), car insurance ($230), utilities, directv, comcast HSI, AOL, 2 cell phones, bills, bills, more bills, blah blah blah.

New Jersey sucks.
I need to move to like Idaho or something.

[TonyluvSilvia]

I paid for all the cars I had myself, as well as all living expenses.

[shimmy_yaz]

I pay for everything to. It sux but I work overtime and another job to make ends meet and do a few mods.

Rent 350
Car 355
Ins 170
Cell 80
Cable 80
Electric 100
Food 300
Gas(heat) 50
Gas (car) 60
Total 1545


I make 1480 at my full-tme job
and 400 at my part-time

Don't leave much for anything else!!!

[cbecker333]

I put down $6k a year ago - all my own cash. I had financed the rest at about 8% (dealer f'd me on the loan, cuz I know I had way above average credit after promptly paying off my only student loan - does the dealer get a kickback for higher APR?) I've been paying 380/month for 48 months, but I just refinanced to 5% and now I'll be paying only 340/month. 36 more months and she'll be mine.

[02TafWhtSi]

Originally posted by cbecker333
I put down $6k a year ago - all my own cash. I had financed the rest at about 8% (dealer f'd me on the loan, cuz I know I had way above average credit after promptly paying off my only student loan - does the dealer get a kickback for higher APR?) I've been paying 380/month for 48 months, but I just refinanced to 5% and now I'll be paying only 340/month. 36 more months and she'll be mine.

Wow! Sounds exactly like my deal ($6K down, 7.5%APR, 361/mo for 48 mos). How do you go about re-financing? Right now I'm doing it through Honda Finance.

[Tekdemon]

Although I paid for part of the Si it's not all by myself heh...no way in hell I'd have come up with 20K without a job...

I got to college and the college bills are much higher than the car though...but the Si's almost paid off =P But for now I don't have money to go into the car because I'm trying to come up with $3800 to pay for summer courses here!

That's assuming I get free housing from a job =P Otherwise I'll move back home and drive to take classes elsewhere...*sigh*

[SilverEP]

Yah i pay for my car by myself. I am a full time student with a full time job and I get student loans for school and my job pays for my car bill, insurance on two vehicles and my cellphone and all other expenses. I got my EP in October with $250 down and financed thru Honda with 3.9% for 60 Months and my payment is $245/mo.

So far I have been able to get a few mods with extra money.
Injen Race Div. Intake
Enkei RS-5 17"
Tein Springs
Full stereo

But it is very hard living on your own with bills and being in school.
It is also very enjoyable at times!!!!:D

[cbecker333]

Originally posted by 02TafWhtSi


Wow! Sounds exactly like my deal ($6K down, 7.5%APR, 361/mo for 48 mos). How do you go about re-financing? Right now I'm doing it through Honda Finance.

A lot of banks/credit unions offer car loans - my insurance company even sent me a letter about re-financing options at one point. A good place to start may be with simple phone call to some local banks. I was lucky, because the bank that the Honda dealership got me a loan from was where I refinanced too - thus no fee to transfer the title. If you can find a way to contact honda finance, give that a try. Anyway, once you find a bank to re-finance, its pretty easy - the hardest part is signing a bunch of papers at the bank.

[BlasTech]

Its true, I got my loan down to 5% interest, just by shopping around, and the home loan has gone down, too from 8.25% in 2000 to a current 6.325%, all from shopping around... For the home, all it took was me calling "just to let you know this one company offered me a better deal..." then they offered me a no-hassle deal...

Im 31 and doing quite well financially (if I may say so), but I always expect it to go away, so I'm a cheap bastard anyway. I think holding off on having kids has helped alot, and having a money-saavy wife helps too. ;)

You've all probably heard me preach before, but look around and you'll see that lots of men in America live well beyond thier means for the sake of status symbols that actually mean nothing.

[IchBinEinSiR]

I have always paid for my cars myself, sometimes with cash, sometimes on a loan. I bought the SiR with $4000 down, traded my 1998 Mazda Protege in for $6500, and financed the rest at 2.9% for 36 months.

I like reading Sport Compact Car and other similar magazines, and I always wonder where these people get the money to modify a car as far as some do. I have seen Civics with $30,000 and up in modifications... I like my EP, but if I wanted to spend $60ish thou on a car, I would buy one that kicked off the lot.

Lets see: the RX-8 (the new RX-7/Miata that are coming), the regular Miata, Nissan's 350Z, Subaru's Impreza STi, the EVO 8, the Audi TT Quattro, Lexus IS300, BMW 330iS... hmmmm... Mustang SVT or Rousch.