How much do you owe

If that were my case, I would definitely hold off on the mods

 

Not a dime. Paid off. I hate owing money.

 

I don't disagree with not liking debt but right now in this financial environment you can earn a return in a nice dividend stock and make money. 21,000 for 60 months @ 2.0%. 1,084 interest over the life of the term (22,084). If you took that same amount and invested in Wells Fargo with a 3.1% yield it would have returned 25,211.00 if you reinvested all the dividends. You could have made 3k in the process, had your emergency fund still available, and bought quite a few mods when the truck was paid for.

Just food for thought.

 

Pay off and then mod

 

Mine I owed 10.5 on after trade-in. $200 or so a month and I qualified for .9 percent. Not that I love payments either but as a homeowner who knew I had a big job coming up (kitchen remodel) I couldn't see the sense of paying it out the door and then financing the kitchen from a strict dollars/cents angle. My part time job pays the truck payment and then some so it's not an issue.

 

I purchased an 8 year old with 85,000 miles w/cash. I'll admit it I'm cheap, but to me furgal has become a sport. Thrift stores, Ebay, Alibaba, and Craigslist has become my hunting ground!

 

The only thing I dislike more than paying to use some one else's money is a hot stick in the eye. Payed cash for the 11.

 

I currently owe $33,000 and I should have it paid off in a year or two. It just depends on if I stop buying things, which I do.....a lot.

 

Nothing wrong with that. I'm a fan of all those as well.

I mainly needed a dependable ride after my 06 Colorado puked the engine at 70k. In large part I had to take care of an ill parent. The peace of mind was priceless to me and getting a 3 year old truck with 6600 miles was too good to say no

 

2015 dcsb TRD Off Road 4x4, Weather Tech digital mats, side tube rails, ARE carpeted camper shell, BedRug, neoprene seat covers all paid for. Just the way I like it. Vehicle payments suck.

 

8K left and I'm gonna wait until I burn through the stock rubber and upgrade both tires and suspension at the same time. Should be paid off by then.

 

$16,000 CAD or just over 2 years left of payments then it is mine!

 

$0.00 but if you consider mods as an expense then don't even get me started to think of a monthly average total haha

 

Will you throw the golden gate in free?

 

Owe about $18,000 but am currently paying $450 a week until it is paid off, which should happen towards the end of the year.

 

owe 19k still, only mods were adding in factory fog lights, new stereo and a camper shell. truck will likely get sold to my dad in a year or two so i can finish school :/

 

$5,300 left
33,000 miles

 

As i stated earlier, i still owe about 23k - but I'm doing the Toytec ULK, 285s, and SR8s here in the next month. lol

 

I own my truck outright. I'm waiting to do serious mods until after the 60K warranty expires (I'm at 57K). Even then, I can't completely bring myself to pull the trigger on the OME suspension and ARB bumper I want because right now I live in the urban jungle and drive over 2K miles/month.

That is, unless you count the Leer 100R, debadging, window tint, and Weathertech floor liners as mods.

 

you could alway do a spacer lift, that wont affect the warrantee at all. We all know how fond TW users are of spacer lifts.