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Re: Quick loan advice needed.
Posted by Dan-O (more from Dan-O) on Tue, 26 Jun 2012 11:51:00
In Reply to: Quick loan advice needed., B Millar
[Profile/Gallery]
, Tue, 26 Jun 2012 11:32:50
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I'd agree that 72 mo loans are not a great idea. You might indeed be upside down at some point, possibly about the time the car starts to need some money for repairs.
Run the numbers on a 72 again but with adding a bit of extra payment each month. The goal here is to get you paid up more quickly w/o feeling the pain of higher monthly payments too badly. Could you knock off a year if you "overpaid" by $30/mo?
Also, maybe make a promise to yourself that when those times happen that you have "found money," i.e. unexpected income that doesn't go into your regular monthlies, you slap it on that loan.
Good luck, keep us apprised, and does this mean you have a 04 Aero to sell?
--Dan
03 Arc Wagon, 125k
posted by 205.133.9...
Posts in this Thread:
- Quick loan advice needed., B Millar
, Tue, 26 Jun 2012 11:32:50- Re: Quick loan advice needed., Wasabi, Sat, 30 Jun 2012 09:38:53
- 72 months is a guarantee for Upside Down in future, MI-Roger
, Wed, 27 Jun 2012 06:23:55 - Run Away, EGD
, Tue, 26 Jun 2012 16:05:09 - You seem too pragmatic for this., Mike Johnson, Tue, 26 Jun 2012 13:26:34
- Re: Quick loan advice needed., Justin VanAbrahams
, Tue, 26 Jun 2012 12:01:40 - Is the financing in place?, ToddInMA, Tue, 26 Jun 2012 12:00:12
- Yes., B Millar
, Tue, 26 Jun 2012 12:15:56- Re: Laser Red, thatbobguy
, Tue, 26 Jun 2012 18:56:29 - Why are you looking to replace the '04?, ToddInMA, Tue, 26 Jun 2012 13:55:16
- Brad, what are you looking for?, Siegfried, Tue, 26 Jun 2012 13:22:07
- Re: Brad, what are you looking for?, B Millar
, Tue, 26 Jun 2012 13:31:53- Re: Brad, what are you looking for?, No Snaab, Wed, 27 Jun 2012 05:39:30
- Leasing isn't an option for me., B Millar
, Wed, 27 Jun 2012 14:05:00 - Re: Brad, what are you looking for?, Dan-O, Wed, 27 Jun 2012 09:34:41
- Doubt it, No Snaab, Wed, 27 Jun 2012 09:59:23
- toys = $$$$ .... 6yrs on used car is long to finance, Trev, Tue, 26 Jun 2012 17:29:16
- Re:, Siegfried, Tue, 26 Jun 2012 13:51:18
- Re: Quick loan advice needed., Dan-O, Tue, 26 Jun 2012 11:51:00 <-- Viewing This Message
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