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what to do with the $$$

Discussion in '2nd Gen. Tacomas (2005-2015)' started by tacosupreme54, Aug 31, 2010.

?

spend $$$ on...

Poll closed Sep 30, 2010.
  1. pro comp 7089's

    3 vote(s)
    5.5%
  2. new light racing UCA's

    3 vote(s)
    5.5%
  3. your loan for the truck

    42 vote(s)
    76.4%
  4. other (post your response)

    7 vote(s)
    12.7%
  1. Aug 31, 2010 at 9:25 PM
    #1
    tacosupreme54

    tacosupreme54 [OP] Well-Known Member

    Joined:
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    NW GA
    Vehicle:
    Off-Road 4x4 SR-5
    OME 885's, 90000 and n182 shocks, CB drop, 295/75/16 Hankook Dynapro MT RT03's, 16"x8" Pro Comp 7089 wheels, Avid Off Road Light Bar, Magnaflow 12226-14'' Muffler dumped after axle, color matched grille, Team Realtree camo seat and steering wheel covers, Husky floor liners, towing hitch, bed extender, Tacoma bed mat, all black emblems, black sockmonkey decals, bedlined rear bumper.
    i've been a member here for about 2 or 3 months and a taco owner for about 5 months, and i have loved every bit of it. but the only reason i own the taco is because of an accident i had in my ranger. i was in a situation where an old lady stopped in the middle of the road on a rural, but frequently used, highway. within about 1/4 a second, i had the options of veering into incoming traffic and more than likely dying, rear ending her at around 70mph and probably killing her, or hitting a 6ft deep ditch, risking my life, and giving up my truck. i took the last option, and sadly i was on liability, so it was basically a total loss. she caused a 5 car pile-up with 4 of those being totaled. however, nobody died or was seriously injured. you guys might mess with me for it, but i loved that truck. there wasn't anything special about it, but it was my first vehicle and i actually paid for it. it sucked big time to lose it. i saw no money since i was on liability, got 2 tickets from GA state patrol basically just because they had to blame somebody, and the lady tried to sue me, even though my truck didn't touch her car, lol. i mean i literally saved her life, risked mine, and lost my truck so she could live another day. sometimes it sucks when you try to do the right thing. i was pretty down....

    then a white taco came into my life! haha. sorry to give you guys a life story, but just thought i'd share. but i have loved every minute of having the taco and haven't regretted it yet. it's much better than the ranger, but everybody knows that the first truck is like your first love, lol. i've done a few mods if you want to check them out. but my point is that the ranger has been sitting in my back yard since march, totaled. it hasn't been a total loss. i have got some money for the toolbox, seats, and just today, a guy just picked up the whole truck for scrap. i've got about $900 total in my possession from selling ranger stuff on craigslist, it's not great, but it's not a total loss from the wreck. my question is...what to do with the $$$ ? i have been blacking out a few things and want to finish that soon with some pro comp 7089's. i have been told that i need new UCA's by some people on here. but some others say no. i also have a pretty stout payment. i'm considering just putting that money on the balance to take a few payments off at the end or lower my monthly bill. maybe even save it till i can afford more expensive, nicer mods. i'm not really sure. i will be pretty much done modding the truck after i get the 7089's. besides when these duratracs wear out, i plan to go back with 285's.

    all of these are things i can afford to do and are not bad decisions, i just would like to hear any input. i'm going to post a poll on these things, if you say "other," post what you think i should do for my truck.

    thanks for reading, p.s.: don't get just liability coverage, it will screw you over so hard, lol
     
  2. Aug 31, 2010 at 9:42 PM
    #2
    04LTtacoma

    04LTtacoma Well-Known Member

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    I would have to say save your money. :) I have been spending too much in the truck... Need to start saving my pennies for a house!
     
  3. Aug 31, 2010 at 9:48 PM
    #3
    jdkeller

    jdkeller How many words can be fit in this s

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    Jonathan
    Inland Empire, Ca
    Vehicle:
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    Dome light LED, 6000k HID Headlights and fogs, Grillcraft black mesh, rear 5100's, Total Chaos UCA's, 285/75/16 BFG KM2's, Spidertrax spacers, Blacked out emblems, cb,kenwood tm270 ham radio, All Pro 3" leaf pack, Fox 2.0 coilovers, Revenge Fab Sliders, u bolt flip kit, Pioneer avh4200, bed bar with light and antenna, Wet Okoles, Weathertech Mats, Wet Okole Armrests, Rear KR Fab bumper, bed mat, N-Fab spare tire carrier with full size spare on 16" TRD rim, Bedlinered flares and grille. Camburg Spindles, All Pro front fenders.
    Wow. Sorry to hear that. I too feel the same. Had a 2001 ranger edge. Lifted on 33's. I loved it. Oh and it was a 4.0 regard with 4.56's. I had liability only and rolled it onto it's side. It was still drivable but I sold it as is. I still wish I had that along with the taco.

    I say put it towards your balance. Can't go wrong there.
     
  4. Aug 31, 2010 at 10:06 PM
    #4
    JAG

    JAG Well-Known Member

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    sorry to hear about that man!

    go with the advice mentioned... save or balance.... best way to go


    also i see your in GA, as am I... where about are you?
     
  5. Aug 31, 2010 at 11:17 PM
    #5
    genxer36

    genxer36 Lord of Tomfoolery

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    Bethlehem,GA
    Tow package, XM Satellite radio, K & N Air filter, & Channel Vent Visors
    Save it. You never know when something may happen & you need the money to make a truck payment. Don't pre pay. Just bank it.
     
  6. Sep 1, 2010 at 1:32 AM
    #6
    808TRDTaco10

    808TRDTaco10 Black Sand Mirror

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    :eek: Sorry to hear about your accident!

    Definitely save the $. Never know when you'll need it for something that might come up.
     
  7. Sep 1, 2010 at 1:49 AM
    #7
    S.B.

    S.B. Well-Known Member

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    SD, CA Now in Colorado Springs, CO
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    SAW 2.0s, Wheeler's 3-leaf AAL, On Board Air, 255/85/16 Cooper Discover S/T, CBI Sliders, Built right UCAs, 6" Harbor Freight Lights (converted to HIDs), KC Slim Lights.
    I'd save it.
     
  8. Sep 1, 2010 at 2:07 AM
    #8
    ColtsTRD

    ColtsTRD .....

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    LR UCAs :devil:
     
  9. Sep 1, 2010 at 4:24 AM
    #9
    jandrews

    jandrews Carolina Alliance Southwest Region Ambassador

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    A-TRUCK, Fat Kid in the Bed, Custom Pinstriping, Ported and Polished Muffler Bearing, Hi-Performance Bed Mat
    Do you have at least 6 months of living expenses (including vehicle payments) in liquid savings? If not, put it there first.

    Do you have any credit card debt? If so, put it there second.

    Do you have a well funded retirement fund? If not, put it there third.

    Is the truck paid off? If not, put it there fourth.

    If all those are taken care of, congrats, buy some toys! $900 will get you a nice exhaust revamp (TRD CAI, DT Headers, TRD Catback) that'll sound sweet and make your driving experience mucho enjoyable.
     
  10. Sep 1, 2010 at 5:48 AM
    #10
    Masada

    Masada Well-Known Member

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    Laveen, AZ
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    All Pro Steel Plate Front Bumper| All Pro Light Bar| All Pro IFS Skid Plate| All Pro E-locker guard| PIAA 510 Fog Lights| Hella 700FF| Fox 2.5 Coilover| Bilstein 5100 on the rear| BHLM| Grill Craft MX Series insert| Added two D-rings to bed|AVID Off Road sliders| AFE Dry Flow S| Gibson Cat Back| Custom Bedbar with hilift mount| Camburg 1" Uni-Ball UCA's| Hi-Lift 48" Extreme
    Why are people saying you need UCA's?

    Sorry to hear about your other truck, but glad your ok. Welcome to TW.
     
  11. Sep 1, 2010 at 6:50 AM
    #11
    nelson18matt

    nelson18matt Well-Known Member

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    *SOLD*
    yeah, be smart and save the money or use towards paying off the truck or bills. it's dumb to spend money when you have debt that should be paid off first... i know from experience.

    your truck will become a black hole... once you start spending money on it you wont stop
     
  12. Sep 1, 2010 at 7:21 AM
    #12
    RZRob

    RZRob Well-Known Member

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    Anaheim Hills
    Point Counterpoint. Just remember the Time-Value of Money Theory that states the longer you hold on to money, the less it's worth - even if you need it worse. You can get the UCAs now and then start saving - yeah that's right.

    RZ Rob
     
  13. Sep 1, 2010 at 8:14 AM
    #13
    tacosupreme54

    tacosupreme54 [OP] Well-Known Member

    Joined:
    Jul 7, 2010
    Member:
    #39918
    Messages:
    1,456
    Gender:
    Male
    NW GA
    Vehicle:
    Off-Road 4x4 SR-5
    OME 885's, 90000 and n182 shocks, CB drop, 295/75/16 Hankook Dynapro MT RT03's, 16"x8" Pro Comp 7089 wheels, Avid Off Road Light Bar, Magnaflow 12226-14'' Muffler dumped after axle, color matched grille, Team Realtree camo seat and steering wheel covers, Husky floor liners, towing hitch, bed extender, Tacoma bed mat, all black emblems, black sockmonkey decals, bedlined rear bumper.
    thanks, i'm in Polk county
     
  14. Sep 1, 2010 at 8:16 AM
    #14
    tacosupreme54

    tacosupreme54 [OP] Well-Known Member

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    Messages:
    1,456
    Gender:
    Male
    NW GA
    Vehicle:
    Off-Road 4x4 SR-5
    OME 885's, 90000 and n182 shocks, CB drop, 295/75/16 Hankook Dynapro MT RT03's, 16"x8" Pro Comp 7089 wheels, Avid Off Road Light Bar, Magnaflow 12226-14'' Muffler dumped after axle, color matched grille, Team Realtree camo seat and steering wheel covers, Husky floor liners, towing hitch, bed extender, Tacoma bed mat, all black emblems, black sockmonkey decals, bedlined rear bumper.
    i've read on here that once you go over about 2" that you need them bc it will mess up your angles, cause bad alignment, and it points my wheels/tires inward bc of the camber
     
  15. Sep 1, 2010 at 8:22 AM
    #15
    ColtsTRD

    ColtsTRD .....

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    Its true...some trucks are different. 2-2.5" and above... UCAs are recommended
     
  16. Sep 1, 2010 at 8:23 AM
    #16
    ColtsTRD

    ColtsTRD .....

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    Not a bad idea to get em plus theres a poll :laugh:
     
  17. Sep 9, 2010 at 2:03 PM
    #17
    aficianado

    aficianado Well-Known Member

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    back to bone stock.
    save the money. if you cant save it, because you are weak in the will power department..(i was) then dump it into the principle of truck. on paper, it isnt a good idea to buy unneccesary BS when you still owe money. get out of the consumer debt first.
     
  18. Sep 9, 2010 at 2:09 PM
    #18
    Incognito

    Incognito μολὼν λαβέ

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    I think the poll speaks for itself... :)
     
  19. Sep 9, 2010 at 2:27 PM
    #19
    skunk

    skunk what did I miss?

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    YOU WILL BE MISSED Satoshi Grill, FX-R retros, husky liners, bed bolt d-rings, TRD short throw shifter, 2.5 Fox Coil overs, AP UCA's, AP Expo rear leaf with Fox 2.0 shocks, Extended SS brake lines, AP kick-out sliders, 265/75/16 on Konig Countersteers, AllPro Apex front bumper and Zip Ties.
    :D hookers and beer!:D
     
  20. Sep 9, 2010 at 2:27 PM
    #20
    2009Silver

    2009Silver Well-Known Member

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    If you don't have the home that you want to be living in for a long time paid off, or the truck paid off, put the $$$ towards either of those. You already have a nice truck....
     
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