1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Dilemma

Discussion in '2nd Gen. Tacomas (2005-2015)' started by twoodcc, Sep 12, 2011.

?

dilemma

  1. 2008 tundra - asking $24,998

    7.6%
  2. 2008 fj cruiser - asking $21,988

    13.9%
  3. new/used car - tell me what you suggest

    5.1%
  4. keep the tacoma and sell the scion - see if it works out

    57.0%
  5. other - let me know what you suggest

    16.5%
  1. Sep 12, 2011 at 7:03 PM
    #1
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    so i recently bought a 2011 double cab 4x4 tacoma, and i financed it for 48 months with the 1.99% apr. that puts my payments over $750 per month.

    it turns out that we are barely able to make that payment. we can afford it, but are really having to cut corners everywhere, and aren't able to save money.

    we also have 2 other vehicles: 2011 SR5 4runner and 2005 scion tC. both are paid off.

    so i decided to make this poll and get some other opinions. basically, i am married and have a 6 month old son. as much as i'd love to keep my tacoma, i'm beginning to think the best decision for my family might be to get something used, and trade it in and trade in the scion. but maybe i'm crazy.

    the things i'm considering right now:

    2008 Tundra DBL CAB 5.7L SR5 with 64,446 miles - asking $24,998

    2008 FJ Cruiser 4x4 SUV 6-speed with 66,168 miles - asking $21,988

    get new or used 4-door car - maybe jetta diesel - or open to suggestions here

    keep the tacoma and sell the scion, and try to make ends meet.

    other - give me your suggestions.

    thanks
     
  2. Sep 12, 2011 at 7:04 PM
    #2
    Konaborne

    Konaborne Pineapples on pizza Hawaiian does not it make.

    Joined:
    Nov 21, 2010
    Member:
    #46536
    Messages:
    31,748
    Gender:
    Male
    First Name:
    Cody
    Kealakekua, Hawaii
    Vehicle:
    Lifted 00 TRD Off-Road
    fox extended travel remote resivoir coilovers, 14" eibach 600lb coils, All Pro tubular chromoly 1" uniball upper control arms, All Pro expedition leaf packs, 10" bilstein 5150 piggyback reservoir shocks 265/75r16 Goodyear wrangler MT/R kevlars wrapped around 16" Helo 791 gloss black, Mini H1 retrofits with 6000k bulbs, 18" magnaflow w/custom exhaust reroute various decals, Sockmonkey retro hood stripes
    which vehicles do you NEED most?
    like do you need the fuel econ. of a small car?
    or do you need the bed space?
     
  3. Sep 12, 2011 at 7:05 PM
    #3
    Drew5387

    Drew5387 You can't fix stupid

    Joined:
    Mar 12, 2011
    Member:
    #52873
    Messages:
    360
    Gender:
    Male
    First Name:
    Drew
    Kansas
    Vehicle:
    03 PreRunner SR5 DC Black
    Raptor Style Grill, KC Highlight Spot Beams, 2.5% Window Tint, Kenwood Touchscreen Head Unit, Train Horn, Tinted Tail Lights, Retrofit Source Projectors with Halos, BHLM, LED Fog Lights, 40" LED Light Bar, 33" Cooper STT Tires, Herculined Rocker Panels, 175+ hp in stickers
    I would keep the Tacoma and trade in the Scion since it's just you and your wife that are able to drive.
     
  4. Sep 12, 2011 at 7:08 PM
    #4
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    well it would be nice to have a truck around the house. we don't necessarily need either one. i don't use the bed a lot, but i do occasionally. we love camping, but the 4runner is a 4x4.

    thanks. we are considering this. we know something needs to change, and at least this will happen.
     
  5. Sep 12, 2011 at 7:10 PM
    #5
    KellyJoe

    KellyJoe Well-Known Member

    Joined:
    Aug 12, 2010
    Member:
    #41630
    Messages:
    256
    Gender:
    Male
    First Name:
    Kelly
    Victoria, TX
    Vehicle:
    '17 TRD Sport DCSB
    I'd have just stayed with the two that are paid off or trade the 4Runner in on the Tacoma. That's a lot of cash that could go into that baby's college fund.
     
  6. Sep 12, 2011 at 7:12 PM
    #6
    SB11Tacoma

    SB11Tacoma Well-Known Member

    Joined:
    Aug 22, 2011
    Member:
    #62127
    Messages:
    69
    Gender:
    Male
    First Name:
    Dave
    New York
    Vehicle:
    11 TRD Sport DCLB 4X4 with JBL
    Lund Nerf Bars Tonnopro Tri Fold
    +1..I was just about to say the same thing
     
  7. Sep 12, 2011 at 7:13 PM
    #7
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    well the 4runner is here to stay. my wife loves it, and we have put too much into it to get rid of it now. that's why we are debating letting the tacoma go now, when we haven't paid that much on it yet.

    and you are right, that it a lot of money that we could be saving. as much as i want to keep my tacoma, i gotta think about what's best for my family
     
  8. Sep 12, 2011 at 7:15 PM
    #8
    cc350

    cc350 Buckeye Member

    Joined:
    Oct 11, 2010
    Member:
    #44527
    Messages:
    946
    Gender:
    Male
    First Name:
    Chas
    Liberty,Twp Ohio
    Vehicle:
    06 PreRunner TRD DC
    TRex3 eyelids,Undercover hardshell cover,Timbrens
    Dump the big payment!!! Or sell the 4runner and pay down the Tacoma note and refi.
     
  9. Sep 12, 2011 at 7:22 PM
    #9
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    so just give the truck back basically? the 4runner is here to stay.
     
  10. Sep 12, 2011 at 9:48 PM
    #10
    00yotasr5

    00yotasr5 Well-Known Member

    Joined:
    Feb 6, 2011
    Member:
    #50676
    Messages:
    918
    Gender:
    Male
    First Name:
    lee
    merced, ca
    Vehicle:
    00 SR5 4X4 RED DEVIL
    Icon ext travel expo leafs rear billies 5125 10'' travel bamf bpv relocate Brute Force Fab Sliders allpro ss brake lines f/r LR UCA 22in wetokled bar RAT Products ifs skid ARB rear locker Ultra gauge Redline Hood Struts Blue Sea Fuse box smittybilt xrc 9.5 w/TJM synthetic rope trail-gear rock assault low profile bumper LED bed strip 12v/usb charger in truck bed
    sell scion use money to refinance taco....
     
  11. Sep 12, 2011 at 10:54 PM
    #11
    MLJak

    MLJak Well-Known Member

    Joined:
    Sep 3, 2011
    Member:
    #62866
    Messages:
    50
    Gender:
    Male
    Anchroage
    Vehicle:
    2011 V6 Access Cab Base
    Stretch out the loan for a few more years.
     
  12. Sep 12, 2011 at 10:59 PM
    #12
    OZ-T

    OZ-T Quite an experience to live in fear , isn't it ?

    Joined:
    Dec 15, 2009
    Member:
    #27584
    Messages:
    38,571
    Gender:
    Male
    First Name:
    Peter North
    British Columbia
    Vehicle:
    Mag Grey 09 Trd Sport DCLB 4x4
    OME 885x , OME shocks and Dakars , Wheelers SuperBumps front and rear , 275/70/17 Hankook ATm , OEM bed mat , Weathertech digifit floor liners , Weathertech in-channel vents , headache rack , Leer 100RCC commercial canopy , TRD bedside decals removed , Devil Horns by Andres , HomerTaco Satoshi
    Pick 2 of the three
     
  13. Sep 12, 2011 at 11:18 PM
    #13
    slmgt

    slmgt Well-Known Member

    Joined:
    Oct 19, 2010
    Member:
    #44921
    Messages:
    661
    Gender:
    Male
    San Francisco Bay Area
    Vehicle:
    11 TRD Sport w/ JBL DCLB V6 AT
    Husky floor mats (Fr and Rr) Hose clamp securing tailgate
    Do whatever you have to make sure you can afford your endeavors now and in the future (short and long term) through mindful saving for you and your family. If that means sacrificing a little comfort now (say having the 4Runner + a commute car), then so be it, because your family will thank you for planning.
     
  14. Sep 13, 2011 at 1:25 AM
    #14
    06rubi

    06rubi Well-Known Member

    Joined:
    May 1, 2010
    Member:
    #36309
    Messages:
    806
    Gender:
    Male
    First Name:
    Kenney
    Pueblo West, CO
    Vehicle:
    10 MGM (wife's truck)
    Debadged, tinted windows, 7 pin relocated, bed lights, 12 volt socket in bed of truck, on board air, auxiliary fuse box, grill craft, hella 500's, t-rex eyelids, pink budbuilt skids, icon remote resi coil over, camburg uca, alcan rear springs, ubolt flip, icon 2.5 remote rear resi shocks
    X2, TC's are pretty small for a family car. Not a lot of room in the trunk for much at all
     
  15. Sep 13, 2011 at 3:37 AM
    #15
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    thanks for the replies. yeah i think the scion will go. it's not a good family car, but we have it now bc my wife wanted to keep it, so we had something that got good mpg.

    the only way i can refinance is going through a bank, and that interest rate would go way up. not sure if more money on this truck is the best thing
     
  16. Sep 13, 2011 at 6:42 AM
    #16
    parrishr13

    parrishr13 Active Member

    Joined:
    Dec 10, 2010
    Member:
    #47477
    Messages:
    44
    Gender:
    Male
    First Name:
    RP
    Keller, TX
    Vehicle:
    2009 TRD Sport
    OEM
    This

    And that.
     
  17. Sep 13, 2011 at 7:01 AM
    #17
    Pugga

    Pugga Pasti-Dip Free 1983 - 2015... It was a good run

    Joined:
    Jun 18, 2010
    Member:
    #39131
    Messages:
    30,821
    Gender:
    Male
    First Name:
    Mike
    Massachusetts
    Vehicle:
    '13 Ford F-150 SCREW
    F-150 Mod
    Yeah, get rid of the truck if you can. I think you're already pretty far upside down on it though... Without financing charges, you're paying 36k for that Tacoma plus whatever you put down at the dealer. If you can get rid of the Tacoma and come out clean, I'd dump it, then trade the TC for something more family friendly. Maybe you can trade the Tacoma and TC together and get a better deal on the trade.
     
  18. Sep 13, 2011 at 7:10 AM
    #18
    rollin904

    rollin904 Well-Known Member

    Joined:
    Apr 11, 2011
    Member:
    #54724
    Messages:
    805
    Gender:
    Male
    First Name:
    TJ
    Jacksonville, FL
    Vehicle:
    '14 DCSB 4x4
    put that foot down and get rid of the 4-runner imo
     
  19. Sep 13, 2011 at 7:46 AM
    #19
    twoodcc

    twoodcc [OP] Well-Known Member

    Joined:
    Jun 16, 2011
    Member:
    #58353
    Messages:
    133
    Gender:
    Male
    Alabama
    Vehicle:
    2008 TRD Offroad Prerunner
    Thanks. That's what I was thinking. Maybe trade both in together.

    I would lose more money that way. I've put too much money into the 4runner to get rid of it now.
     
  20. Sep 13, 2011 at 7:53 AM
    #20
    vbibi

    vbibi Well-Known Member

    Joined:
    Jul 23, 2009
    Member:
    #20060
    Messages:
    515
    Gender:
    Male
    san fransisco bay area
    Vehicle:
    2009 4door long bed
    Always you can throw you-re hands in the air and declare bankruptcy, and blame in Obama.
     
To Top