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Jeez, just because you have credit card debt, doesn't mean you're irrespossible. The financial metldown had more to do with wall street more than anything else. That's not to say

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Old 02-06-2012, 01:20 PM   #106 (permalink)
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Jeez, just because you have credit card debt, doesn't mean you're irrespossible. The financial metldown had more to do with wall street more than anything else. That's not to say it should be the norm, but it certainly isn't that difficult to fathom an average credit card debt of $10k, which by todays standards, isn't really all that much. It's not outside the realm of never being able to pay that off. It's also never that black in white. I know a few people that got into a $10k hole from medical bills, emergency car repairs and other unforseen events. Living within your means should be the standard in a perfect world, but life, real life is far more unpredictable. You wan't something to be upset about, be upset at the 30% uncle Sam takes from your paycheck and seemingly get little in return. If you've never had a credit card balance, I applaud you, but it doesn't make you any better than anyone else. I wonder how many of you had to get a student loan to put yourself through college? Those who didn't get a free ride from mom & dad?
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Old 02-06-2012, 03:09 PM   #107 (permalink)
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This thread took quite a turn.
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Old 02-06-2012, 03:12 PM   #108 (permalink)
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CC debt is the American way.

As long as you can pay it off that's fine. Ill advised but fine...

Though look on the bright side... you're helping the shareholders of Visa, American Express, etc. send their kids to college!
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Old 02-06-2012, 03:14 PM   #109 (permalink)
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Some of you guys have some funny points of view LOL

I just bought a 370Z...got an awesome deal on a 2009 model with 2900 miles fully loaded Touring, 7AT, sport, NAV. I got it to drive to work everyday as I already have a toy car for the weekends in the garage.

I do pretty much all my own work on my cars, I just find it fun, and sometimes like the challenge, so oil changes and stuff like that are of no concern to me. 5qts of Mobil1 at Wally World and Pure One oil filter and 20 minutes I'm done for under $40.

Tires are a concern with this car as I've seen many mentions. When the Potenzas that are on this thing wear out (treadware 140 eeek) I'll get something with a better wear rating for a daily driven car.

Other than that I didn't really see anything in the maintenance book to give me any concern. At least this thing has a timing chain and not a belt....good lawd I'd hate to try to do a timing belt service on the engine in this car.....there's barely room for air molecules under the hood.

As for the house deal....I just had a new place built for about half the price it would have been 3-4 years ago. If you got money now's the time to buy. Interest rate was good to boot.
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Old 02-06-2012, 03:18 PM   #110 (permalink)
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Ive had no shocks on cost so far. I knew prices of all basic items/tires etc before I bought by joining this site and doing some research. For a car with this power and performance, frankly, its not that expensive. I know for a fact Ive spent more and gotten less.

So it goes with the car hobby!
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Old 02-06-2012, 05:49 PM   #111 (permalink)
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Quote:
Originally Posted by edub370 View Post
this...
I would double that and still be fine with it, this way I know what was done to my car and how. Too many issued with *** hats messing up. Once they forgot to put the oil cap on the engine in my SUV and oil came out everywhere. If I have to double check all their work its best I just do it myself!
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Old 02-06-2012, 08:24 PM   #112 (permalink)
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Originally Posted by Mt Tam I am View Post
Oil changes. Buy one of the maintenance plans. You get all those $120 oil changes for three years and $500 at the dealership.

i bought a maintenance plan also. hope i made the right choice...
but yes the oil changes are free every 3750 miles
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Old 02-06-2012, 09:22 PM   #113 (permalink)
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Originally Posted by yaheard View Post
Or you could just be smart with your money and not over step your limits.
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Originally Posted by kenchan View Post
true that.


i was quite amazed how some people have like $10K of credit card debt...and they consider that to be 'normal'???
i never have creditcard balance.
on both accounts, its easy to spend money, but making it is the hard part. If you are sensible and dont overspend on what you don't need, you shouldn't land in debt in the first place.
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Old 02-06-2012, 09:55 PM   #114 (permalink)
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I like to think I keep America running...
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Old 02-06-2012, 10:38 PM   #115 (permalink)
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370Z maintenance looks in line with MSRP of base car.
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Old 02-07-2012, 08:30 AM   #116 (permalink)
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Boy the thread did get a little sideways on debt and what to buy or not to buy. I will offer a suggestion for anyone that is interested in learning money spending and fighting to get through the " amercian debt " dream or lack of.

Spend 15 to 18 dollars and purchase a book titled " The Total Money Makeover ", author Dave Ramsey. It might help some folks and maybe not. It could guide or set a path to some sort of financial success or freedom. The quicker people figure out what you expect or want from your hard earned money right now or down the road is a choice we all have to make or not. Good luck all

PS. OP I still say you need to pass on the Z for now. But its not to say it can happen down the road. Just a thought.
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Old 02-07-2012, 08:36 AM   #117 (permalink)
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Quote:
Originally Posted by BigT View Post
This is very true. But, who is the person to question credibility? Smart budgeting can mean live in a nice apartment and drive a Z or own a home and drive a civic. Does one path make you a better person vs the other?

Living the "American Dream" is expensive. If you have the cash to do it without any debt, then more power to you. I'm happy for you, actually. But, it doesn't make you any more credible then me. I'm a single man in my 20's. I earn just shy of 70k a year. I rent and drive a brand new Z and have no credit card debt. Does that make the next guy better than me?
You looked too far into that quote. Im not questioning credibility nor judging anybody or saying one thing or the other. Im just saying....


@Cmike
I paid off my school loans myself while I was still in school and I am the person on the hook for my Z and Im 23 right now. I was fortunate to have an internship and job that allowed me to do that. I am very thankful for that. Doesnt make me better/worse than somebody else. Again, I wasnt saying any hidden meaning or judging people. Life happens sometimes and expenses happen, but also remember there are people that are in the same situations with the economy and financial situations and are not upside down on their house/car etc etc. It just boils down to personal choices, situations. Not everybody is the same, doesnt make anyone better or worse.

Last edited by yaheard; 02-07-2012 at 08:44 AM.
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Old 02-09-2012, 08:30 PM   #118 (permalink)
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I just had 4 Yokohama YK580's installed with replacement certificates for $950 incl tax. Awesome tires!
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Old 02-09-2012, 09:53 PM   #119 (permalink)
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[QUOTE=jazzmannca;1535818]I just had 4 Yokohama YK580's installed with replacement certificates for $950 incl tax. Awesome tires![/QUOTE


Sounds like a good deal. I gave 1100 for th hankooks
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Old 02-09-2012, 11:53 PM   #120 (permalink)
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Quote:
Originally Posted by kenchan View Post
oil filter with crush washer: $7
mobil1 silver cap 5qt jug walmart: $23-25
30min of your time
^^ or pay a lil more for Redline or Royal Purple... Mobil1 is... ugh.... lol
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