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Funding projects and purchases

Discussion in '2nd Gen. Tacomas (2005-2015)' started by deserttacoma84, Mar 30, 2018.

Page 4 of 5
  1. Jul 17, 2019 at 7:56 AM
    #61
    sentientprogram

    #61
    sentientprogram Well-Known Member

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    I dont have a mortgage to pay off either. So I other words. I have a whatever job and no house payment. And only have money to pay off my truck
     
    sentientprogram, Jul 17, 2019
    #61
  2. Jul 17, 2019 at 7:57 AM
    #62
    spitdog

    #62
    spitdog Well-Known Member

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    Index funds!
     
    spitdog, Jul 17, 2019
    #62
    PzTank, E-Paz 732NJ and TacomaMike37 like this.
  3. Jul 17, 2019 at 8:21 AM
    #63
    Xplosiv

    #63
    Xplosiv Well-Known Member

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    Jeff
    Lewisville, TX
    Vehicle:
    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    Im a serial hobbyist. So I have to do stuff like that or I'd always be broke. Between guns, my truck, my racecar build, mountain bikes, and my aquarium. Lol.
     
    Xplosiv, Jul 17, 2019
    #63
  4. Jul 17, 2019 at 8:26 AM
    #64
    gotoman1969

    #64
    gotoman1969 Well-Known Member

    Joined:
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    Steve
    San Antonio, TX United States
    Vehicle:
    2015 Silver Tacoma PreRunner
    3" ToyTec coilovers, JBA UCA's, Bilstein 5100's
    Lucky enough to be debt free and I’m a saver by nature. Pay cash for everything!! You’d be amazed when you don’t believe in debt how much money you have.
     
    gotoman1969, Jul 17, 2019
    #64
    ColoradoTJ and Skyway like this.
  5. Jul 17, 2019 at 8:46 AM
    #65
    Xplosiv

    #65
    Xplosiv Well-Known Member

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    Jeff
    Lewisville, TX
    Vehicle:
    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    I did that till I was almost 30 and went to buy a house. Didnt have credit history for squat. Kind of a double edged sword.
     
    Xplosiv, Jul 17, 2019
    #65
    MattCowsmasher likes this.
  6. Jul 17, 2019 at 8:47 AM
    #66
    honda50r

    #66
    honda50r Not a Mallcrawler

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    East Tennessee
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    Not Stock
    Don't have to have debt for credit history. Open the line, pay it off.
     
    honda50r, Jul 17, 2019
    #66
    MattCowsmasher likes this.
  7. Jul 17, 2019 at 8:51 AM
    #67
    Babybluetaco

    #67
    Babybluetaco Well-Known Member

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    Austin
    Monroe, North Carolina
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    09 5 lug
    Work 75 hours a week
     
    Babybluetaco, Jul 17, 2019
    #67
    PzTank and MattCowsmasher like this.
  8. Jul 17, 2019 at 9:26 AM
    #68
    Xplosiv

    #68
    Xplosiv Well-Known Member

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    Jeff
    Lewisville, TX
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    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    I didnt ever buy anything I needed to finance before my house, except for one car. So my credit age was low. Still got it done but it was harder than it would have been with a longer credit history.
     
    Xplosiv, Jul 17, 2019
    #68
  9. Jul 17, 2019 at 9:26 AM
    #69
    Xplosiv

    #69
    Xplosiv Well-Known Member

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    Jeff
    Lewisville, TX
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    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    I used to do that. Never again.
     
    Xplosiv, Jul 17, 2019
    #69
    E-Paz 732NJ likes this.
  10. Jul 17, 2019 at 10:34 AM
    #70
    jowybyo

    #70
    jowybyo Well-Known Member

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    Joe
    Baltimore, MD
    Vehicle:
    '14 MGM DCSB Postrunner 4wd Conversion, Debadged
    Doesn't help if you are salary.
     
    jowybyo, Jul 17, 2019
    #70
    E-Paz 732NJ and Xplosiv like this.
  11. Jul 17, 2019 at 12:13 PM
    #71
    gotoman1969

    #71
    gotoman1969 Well-Known Member

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    Steve
    San Antonio, TX United States
    Vehicle:
    2015 Silver Tacoma PreRunner
    3" ToyTec coilovers, JBA UCA's, Bilstein 5100's
    Credit score is a scam. There are plenty of banks that will manually underwrite a loan. You don’t need credit score. If you do use credit cards or take out loans the key is just be responsible.
     
    gotoman1969, Jul 17, 2019
    #71
  12. Jul 17, 2019 at 12:26 PM
    #72
    sentientprogram

    #72
    sentientprogram Well-Known Member

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    Credit is just a score on your ability to pay back your debt
     
    sentientprogram, Jul 17, 2019
    #72
  13. Jul 17, 2019 at 12:58 PM
    #73
    gotoman1969

    #73
    gotoman1969 Well-Known Member

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    Steve
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    2015 Silver Tacoma PreRunner
    3" ToyTec coilovers, JBA UCA's, Bilstein 5100's
    Yes. But to have a credit score you must borrow money or carry debt.
     
    gotoman1969, Jul 17, 2019
    #73
  14. Jul 17, 2019 at 1:02 PM
    #74
    gotoman1969

    #74
    gotoman1969 Well-Known Member

    Joined:
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    Steve
    San Antonio, TX United States
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    2015 Silver Tacoma PreRunner
    3" ToyTec coilovers, JBA UCA's, Bilstein 5100's
    Saved from 20yrs old to 35 and wrote a check for my house, didn’t need a credit score to do that. It like buying a car, put a $500 car payment aside for 5 years and wrote a 30k check for a car. Just have to be disciplined or you can believe payments are just part of life. It’s just a different financial thought process.
     
    gotoman1969, Jul 17, 2019
    #74
    PzTank and E-Paz 732NJ like this.
  15. Jul 17, 2019 at 1:42 PM
    #75
    Xplosiv

    #75
    Xplosiv Well-Known Member

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    Jeff
    Lewisville, TX
    Vehicle:
    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    I didnt have that opportunity unfortunately. On the plus side ive owned my house for 4 years and have over $100k of equity in it. :shrug:
     
    Xplosiv, Jul 17, 2019
    #75
    gotoman1969[QUOTED] likes this.
  16. Jul 17, 2019 at 1:43 PM
    #76
    Babybluetaco

    #76
    Babybluetaco Well-Known Member

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    Austin
    Monroe, North Carolina
    Vehicle:
    09 5 lug
    Helps if your not
     
    Babybluetaco, Jul 17, 2019
    #76
  17. Jul 17, 2019 at 1:44 PM
    #77
    jowybyo

    #77
    jowybyo Well-Known Member

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    Joe
    Baltimore, MD
    Vehicle:
    '14 MGM DCSB Postrunner 4wd Conversion, Debadged
    So I’ve been told.
     
    jowybyo, Jul 17, 2019
    #77
  18. Jul 17, 2019 at 1:46 PM
    #78
    Xplosiv

    #78
    Xplosiv Well-Known Member

    Joined:
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    Jeff
    Lewisville, TX
    Vehicle:
    2021 OR DCSB Black 99 Corvette FRC
    265/75/16 AT's, Cali Raised Sliders, BAMF RTT Rack

    It can suck out loud if you're commission and have a bad month.
     
    Xplosiv, Jul 17, 2019
    #78
  19. Jul 17, 2019 at 1:58 PM
    #79
    Goran

    #79
    Goran Well-Known Member

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    Jacob
    WA
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    2023 Tundra Pro
    I have a few friends that pay for stuff by doing uber-eats or similar delivery services. A buddy got paid a $200 dollar tip from some drunk girls on the weekend. It seems like a pretty good way to make some side cash :notsure:
     
    Goran, Jul 17, 2019
    #79
    MattCowsmasher likes this.
  20. Jul 17, 2019 at 2:08 PM
    #80
    ColoradoTJ

    #80
    ColoradoTJ Retired cat herder Moderator

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    Colorado
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    3500 Duramax, Roush Mustang, Jeep Crawler
    When you marry....choose wisely.
     
    ColoradoTJ, Jul 17, 2019
    #80
    PzTank, DVexile, Bebop and 1 other person like this.
Page 4 of 5

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Mobil 1 104361 75W-90 Synthetic Gear Lube - 1 Quart (Pack of 2)
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Ford Genuine Fluid XT-M5-QS Full Synthetic Manual Transmission Fluid - 1 Quart, Black
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Spicer 5-1330X U-Joint Kit 1330/SPL25 Series (OSR)
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Rockford Fosgate Punch P300-10T Single 10" 300-Watt Amplified Truck Sealed Box Subwoofer - Black
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Genuine Toyota 90916-A2001 Alternator and Fan Belt
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