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Just completed the best mod ever

Discussion in '3rd Gen. Tacomas (2016-2023)' started by Kamille.bidan, Feb 16, 2019.

Page 1 of 5
  1. Feb 16, 2019 at 9:33 AM
    #1
    Kamille.bidan

    #1
    Kamille.bidan [OP] Well-Known Member

    Joined:
    May 9, 2017
    Member:
    #218629
    Messages:
    1,845
    Vehicle:
    2017 Blue TRD OR MT
    Started 2017 in financial distress because I had a third kid on the way, and I had a 28K car loan. Plus, I had 8k in student loans. My wife had a 15K remaining car loan and 18K in credit cards.

    Today, I just paid my last debt payment! We paid off all our debt just by budgeting and being more disciplined. Everything was cashed flowed'. I have a Big bonus coming up in two weeks, and it's all My money. No creditors get to have any of it. I don't have any bills except my housing costs which are relatively cheap for the area. My wife now has no debt either.

    We managed to spend less than $400 a month on groceries feeding a family of 5!

    Feels really great!


    paidoff.jpg
     
    Last edited: Feb 16, 2019
    Kamille.bidan, Feb 16, 2019
    #1
    TheToyotaGarage, pinochle, WiscoPat and 104 others like this.
  2. Feb 16, 2019 at 9:36 AM
    #2
    tacovagon

    #2
    tacovagon Well-Known Member

    Joined:
    Nov 15, 2018
    Member:
    #272810
    Messages:
    524
    Gender:
    Male
    First Name:
    Dan
    Oceanside CA
    Vehicle:
    2016 SW SR5 DCLB 4x4
    ARB Locker 5100s w OME 887s OME EL095R Camburg BJ UCAs
    Congratulations. Nice accomplishment. Now you can put more money towards the correct things. Mods.:)
     
    tacovagon, Feb 16, 2019
    #2
    Resqu2, GillyLink and Kamille.bidan[OP] like this.
  3. Feb 16, 2019 at 9:38 AM
    #3
    JoeCOVA

    #3
    JoeCOVA Well-Known Member

    Joined:
    Nov 15, 2016
    Member:
    #202463
    Messages:
    9,655
    First Name:
    Joe
    Colorado Springs
    Vehicle:
    Ford F350, Lexus RX450h, FZJ80, Jeep YJ
    Nice!

    $400 a month on groceries??? Geez we spend about $1000 a month just for 2

    Good for you guys!!
     
    JoeCOVA, Feb 16, 2019
    #3
    TheToyotaGarage, uhplifted, Vlady and 5 others like this.
  4. Feb 16, 2019 at 9:42 AM
    #4
    xenonsupra

    #4
    xenonsupra Well-Known Member

    Joined:
    Jan 15, 2019
    Member:
    #279412
    Messages:
    172
    Gender:
    Male
    First Name:
    Joe
    Greenville, SC
    Vehicle:
    2019 White Pro MT, 1994 Supra TT 6spd
    Congrats!!:cheers:
     
    xenonsupra, Feb 16, 2019
    #4
  5. Feb 16, 2019 at 9:43 AM
    #5
    HTeeAre

    #5
    HTeeAre Well-Known Member

    Joined:
    Sep 30, 2018
    Member:
    #267939
    Messages:
    151
    Gender:
    Male
    Vehicle:
    2016 Quicksand TRD OR 4x4
    Congratulations! Monetary accomplishments sure feel damn great considering how easy it is to let spending get out of control!
     
    HTeeAre, Feb 16, 2019
    #5
    oconnor and s.e.charles like this.
  6. Feb 16, 2019 at 9:44 AM
    #6
    Rustytaco71

    #6
    Rustytaco71 Well-Known Member

    Joined:
    Sep 13, 2017
    Member:
    #229894
    Messages:
    2,138
    First Name:
    John
    Vehicle:
    2018 4Runner
    Teach me your ways. I spend about $300 on myself a month. Damn Costco always gets me:rofl:
     
    Rustytaco71, Feb 16, 2019
    #6
    Wixo and Boghog1 like this.
  7. Feb 16, 2019 at 9:44 AM
    #7
    Hondah

    #7
    Hondah Revelations 6:8

    Joined:
    Feb 21, 2015
    Member:
    #149256
    Messages:
    1,431
    Gender:
    Male
    Newnan, Ga
    Vehicle:
    '13 RC 4x4
    Nice! Way to go!
     
    Hondah, Feb 16, 2019
    #7
  8. Feb 16, 2019 at 9:45 AM
    #8
    King Kermit V

    #8
    King Kermit V Well-Known Member

    Joined:
    Jan 6, 2019
    Member:
    #278336
    Messages:
    292
    Gender:
    Male
    First Name:
    Kermit
    Miami, FL
    Vehicle:
    2018 Black Tacoma SR5 DCSB
    Taco sauce
    Congrats man!




    ....Cancels King Suspension Stage 3 order. ...
     
    King Kermit V, Feb 16, 2019
    #8
    Wixo, skyking3, the.sight.picture and 7 others like this.
  9. Feb 16, 2019 at 9:48 AM
    #9
    Alden

    #9
    Alden Well-Known Member

    Joined:
    Jun 15, 2018
    Member:
    #256489
    Messages:
    383
    Gender:
    Male
    First Name:
    Alden
    Atascadero, CA
    Vehicle:
    2018 Cement Tacoma DCSB TRD OR AT 4x4
    Good job Dave Ramsey! Now it's time to build your wealth and save for retirement! Cash flow everything from now on.

    Seriously though, his concepts work. I had $200k in student loans. We are currently debt free, except our mortgage. Have a decent amount in retirement too! My goal is to retire at 52. I'm 34 right now.
     
    Alden, Feb 16, 2019
    #9
    ExplorHer, oconnor, rivak and 13 others like this.
  10. Feb 16, 2019 at 9:48 AM
    #10
    Inferno!

    #10
    Inferno! Well-Known Member

    Joined:
    Nov 7, 2018
    Member:
    #271952
    Messages:
    1,598
    Gender:
    Male
    El Dorado Hills
    Vehicle:
    2018 TRD OR Inferno 285/65/17
    Supercharger, sway bars, lift, leather, tires, Gobi, etc.
    I spend $400 in one trip to Whole Foods!

    I would enjoy $300 a month.
     
    Inferno!, Feb 16, 2019
    #10
    Dirtridercrf250, helix66 and ddettamanti like this.
  11. Feb 16, 2019 at 9:50 AM
    #11
    2Loud

    #11
    2Loud Well-Known Member

    Joined:
    May 11, 2017
    Member:
    #218772
    Messages:
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    Male
    TRD Pro Grille Predator Step Tube 17" Maverick Alloy Wheels Nitto A/T Terra Grappler (265/65R17) Tri-Fold Hard Tonneau Cover with LED Lights V6 Tow Package Chrome Exhaust Tip XP Badging Stereo Pioneer AVH-X5800BHS Arc Audio 900.6 - 6 channel amplifier (4x60 watts + 1x550 watts bridged) Arc Audio 300.2 - 2 channel amplifier (2x180 watts) Hybrid Audio Technologies Clarus 1" tweeter Hybrid Audio Technologies Legatia 3.5" mids Hybrid Audio Technologies Legatia 6.5" midbass Image Dynamics IDQ10v4D2 10" DVC sub Stinger Roadkill Sound Deadner 200 AMP Circuit Breaker: Rockford 200 Amp Circuit Breaker Krystal Kable RCA Cable KnuKoncepts wiring and interconnects
    We started Dave Ramsey about 5 years ago. Changed our lives. Work too hard to just watch it go to others. Discipline and a budget is king.

    Well done man. That is a life changing mod.
     
    2Loud, Feb 16, 2019
    #11
    bshammer0, ExplorHer, helix66 and 1 other person like this.
  12. Feb 16, 2019 at 9:52 AM
    #12
    Techsan

    #12
    Techsan Well-Known Member

    Joined:
    Apr 16, 2018
    Member:
    #250706
    Messages:
    533
    Gender:
    Male
    South Texas
    Vehicle:
    2017 BBPDC
    It is something to be proud of. Congratulations!
     
    Techsan, Feb 16, 2019
    #12
  13. Feb 16, 2019 at 9:53 AM
    #13
    Cudgel

    #13
    Cudgel “Tonka”

    Joined:
    Mar 28, 2017
    Member:
    #214640
    Messages:
    4,296
    Gender:
    Male
    Live in: An Ocean of Plastic Trash
    Vehicle:
    2017 OR DCLB
    ICON8 Lift -285s. upTOPoverland rack.
    This is a great post. My wife and I got our shit together early and now we can whither the storms while budgeting for things like this paid for:

     
    Cudgel, Feb 16, 2019
    #13
    Tacoma1845, 1992SR5V6, King Kermit V and 3 others like this.
  14. Feb 16, 2019 at 9:55 AM
    #14
    Modesto Tacoma

    #14
    Modesto Tacoma Well-Known Member

    Joined:
    Mar 2, 2015
    Member:
    #149947
    Messages:
    733
    Gender:
    Male
    central california
    Vehicle:
    LIMITED 4X4
    That's really great what you and your wife have accomplished Congratulations!
     
    Modesto Tacoma, Feb 16, 2019
    #14
  15. Feb 16, 2019 at 9:58 AM
    #15
    TacoBuffet

    #15
    TacoBuffet Well-Known Member

    Joined:
    Jun 9, 2018
    Member:
    #255903
    Messages:
    8,427
    AL
    Vehicle:
    Taco #13, 2022 OR DCSB Cemint
    5100s, TE37s, Wildpeaks, Tint, Bedmat, LEDs
    Dude thats no small feat. Congrats, super jelly, I'm still on baby step 2 and Tacomaworld doesn't help. Congrats man!
     
    TacoBuffet, Feb 16, 2019
    #15
    2Loud and Resqu2 like this.
  16. Feb 16, 2019 at 10:02 AM
    #16
    DJB1

    #16
    DJB1 Well-Known Member

    Joined:
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    Member:
    #105835
    Messages:
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    First Name:
    Dave
    SLC, UT
    Vehicle:
    2003 Regular Cab 4X4 5MT
    I’ve found that big-ticket purchases like vehicles and vacations are infinitely more pleasurable when you can actually afford them, not when you think you might be able to make the payments as long as nothing goes wrong.
     
    DJB1, Feb 16, 2019
    #16
    2Loud, Clearwater Bill, Dirtridercrf250 and 3 others like this.
  17. Feb 16, 2019 at 10:08 AM
    #17
    CusterFan

    #17
    CusterFan Well-Known Member

    Joined:
    Sep 18, 2015
    Member:
    #164581
    Messages:
    8,940
    Gender:
    Male
    Southeastern Illinois
    Vehicle:
    Silver Sky 2019 Tacoma SR, AC, 4X2, 2.7
    I allot myself $225 a month on groceries. All I can afford.
     
    CusterFan, Feb 16, 2019
    #17
  18. Feb 16, 2019 at 10:10 AM
    #18
    su.b.rat

    #18
    su.b.rat broken truck

    Joined:
    Jul 30, 2016
    Member:
    #193316
    Messages:
    9,874
    congrats OP, yeah that is a real good feeling.

    now take some of that bonus and buy good quality food and put your truck after that. your kids are worth it.
     
    su.b.rat, Feb 16, 2019
    #18
    skyking3 and Dammit Evie like this.
  19. Feb 16, 2019 at 10:12 AM
    #19
    Val-n-Tn

    #19
    Val-n-Tn Active Member

    Joined:
    Oct 11, 2016
    Member:
    #199469
    Messages:
    36
    Gender:
    Male
    First Name:
    Al
    Vehicle:
    2016 Tacoma TRD OR & 2018 Raptor
    Congrats to you both. Your sacrifices today will pay BIG dividends later.
     
    Val-n-Tn, Feb 16, 2019
    #19
  20. Feb 16, 2019 at 10:17 AM
    #20
    RocTaco

    #20
    RocTaco Free stun!

    Joined:
    Nov 12, 2016
    Member:
    #202199
    Messages:
    2,040
    First Name:
    Pete
    Green Mtns
    Vehicle:
    03' Reg. Cab 4x4 5MT
    Nicely done! Eliminating 70k of debt in 2 years is no small feat
     
    RocTaco, Feb 16, 2019
    #20
    DJB1 and ponts like this.
Page 1 of 5

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