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Unread 01-21-2010, 02:20 PM   #76
ISUzj
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Ill just say that i agree with others on here, buying something new will always wear off after time...

I just live by the philosophy if i want it bad enough i can save money to buy it....by the time that happens i know if it is really worth it too me.

However a house is the only case where i can understand making payments for years. I still have the dream of buying my first house straight up. obviously not a 200k house; but why would i need one that big anyway?

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Unread 01-21-2010, 02:26 PM   #77
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I love my Jeep and I bought it used from a guy who was selling it because he rarely drove it. Granted I was in high school when I got it, but I saved up my money and paid for it in full. This is just me, and still being in college, but I don't think I'd ever buy a car unless I could pay for it all at once, even if it is several years old. One thing that bugs me is when someone buys a new car and within 3 months it's beat up and they've run it into the ground so fast it's constantly needing repairs. I'm not saying anyone on here doesn't but I take really good care of my Jeep because I want that thing to last as long as I do, as well as most vehicles I may own in the future. And something about putting my blood and sweat into a vehicle I paid cash for from the first day I own it to me is more worth it than buying one new and having a hard time trying to make the payments on it.
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Unread 01-21-2010, 03:00 PM   #78
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Buy smart and you can actually make money on vehicles believe it or not. I have plenty of experience in it, probably more than most people who are twice my age. I'm 20 years old and I've had 15 cars/trucks, 2 ATVs, a motorcycle, and a boat. I would estimate I've probably made a total of around $5,000 buying and selling vehicles. Buy smart, shop around for cheap insurance rates, seek out other means of financing rather than a car loan. A personal loan does not require you to have full coverage insurance where an auto loan does. That will save you (or atleast it saved me) close to $1500 a year on it's own.
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Unread 01-21-2010, 03:02 PM   #79
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After seeing some replies I don't feel so bad about my $303/month payment. I feel bad paying the $346 in taxes this year. I thought I did pretty well though, Jeep was worth more than I paid, is currently worth more than I owe, and I don't care to have some debt if is on something I really want. If it were something I did not like it would be harder to justify. If I had never had debt I would have not been able to finish college, and would be driving an 86 Nova that by now would be as good as a bicycle (you can only polish a turd for so long).

OP if you are not happy with it, it is probably best to get rid of it. But how long after you get that Ranger will you be wanting something different?
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Unread 01-21-2010, 03:12 PM   #80
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Originally Posted by Metzroth View Post
A personal loan does not require you to have full coverage insurance where an auto loan does. That will save you (or atleast it saved me) close to $1500 a year on it's own.
And what do you suppose happens when some idiot w/no insurance runs a red, totals your ride that you only have liability on? You are then left with a personal loan for something that has little worth. Doesn't sound like a great plan to me. I don't mean to dog you, and your methods, I just wonder how well thought out some parts may be.
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Unread 01-21-2010, 03:14 PM   #81
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I have always carried Liability only on my trucks that were paid off... till I got TN Farm Bureau last year... now I keep full coverage on the XJ and the G35 just "in case"... I'd rather get something than nothing, and it is only about $20 a month more for full onthe XJ.
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Unread 01-21-2010, 10:39 PM   #82
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[QUOTE=Gr8_Outdoorsman;8732949]I went through the same feeling with my first Jeep... A 91 YJ Islander.... I sold it thinking that I wouldn't use it when I bought my house.... I regretted it the second I saw it drive away.
QUOTE]

That is the one thing that i would fear the most. If i had to watch someone drive away with my dream jeeep because it was alitttle more than i wanted to pay, i would cry for days.
I was inbetween on getting a sportier car or my jeep, everyone has a car,but not everyone has a badass jeep
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Unread 01-21-2010, 11:07 PM   #83
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My Jeep is broken enough that it cost me almost nothing to drive it...
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Unread 01-21-2010, 11:34 PM   #84
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When I was younger I never had a car payment as I would just buy cheap cars that I could then fix and drive for a while and usually sell for more than I put into them. This worked well for a long time and as I got older, my cars got nicer. Later I did take on payments for one used car, and finally one new car. I got used to payments, but decided last year, that I would never buy anything on credit except for real estate, or related to a business.

Life is a lot simpler if you live within your means, whatever that means to you. If you have paid for cars, a small mortgage, and no other debt it is a lot easier to take a chance with a new job, start a business, etc.

For an employer the best employee is one that has huge car payments and debt, they are stuck on the treadmill and can never get off. They can't risk another job or time off since they are stuck servicing their debt.
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Unread 01-21-2010, 11:34 PM   #85
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And what do you suppose happens when some idiot w/no insurance runs a red, totals your ride that you only have liability on? You are then left with a personal loan for something that has little worth. Doesn't sound like a great plan to me. I don't mean to dog you, and your methods, I just wonder how well thought out some parts may be.
You would continue to pay on a loan of a totaled vehicle... or a vehicle that needs massive repairs.
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Unread 01-22-2010, 12:05 AM   #86
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Originally Posted by Metaloholic View Post
Has anyone had second thoughts about buying their Jeep?

I have owned my '07 unlimited x for 3 years now and love the Jeep but is it worth it financially?

I am paying $300/mo for car payment, $150/mo for insurance(chicago sucks), $200/mo on gas. Seriously $650 a month just to drive this heep????
I also have 45,000 mi and will need tires, brakes and who knows what else soon and I still owe $14,000.

How do everyone else justify the ridiculous cost of owning a new Jeep?

I am seriously considering buying a fuel efficient light truck, like a 4 cyl ford ranger just to be more practical.

I know it's blasphemy saying something like this on Jeep forum but I could use the advice.
To get over this feeling, start your day with a nice warm shower. Get a soapy wash cloth, and get that F'n sand out of your vag. Suck it up buttercup, you can't take that POS ranger half the places you can your Jeep, so knock off the wussy talk and get out there and wheel.

I'm just playin. If I lived in a city, a Jeep would not be on my to-drive list. I'd have a little commuter box with dents and dings in it. But I don't. I live where I can use my Jeep and enjoy the comforts of driving off the pavement at a moment's notice, and see some nature any time I wish.
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Unread 01-22-2010, 01:13 AM   #87
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I pretend I have a car payment all the time no matter what half my check goes to savings if not more. then the other half a half of that goes to play money and the other half for bills. But what do I know Im only 24 with a ton of toys. Fortunately my parents both loved cars as well.
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Unread 01-22-2010, 05:26 AM   #88
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You would continue to pay on a loan of a totaled vehicle... or a vehicle that needs massive repairs.
Sure you would.......... If you didn't your credit score would take a major hit and you would really be screwed.
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Unread 01-22-2010, 05:38 AM   #89
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if you do not love the jeep sell it, but you will regret it if you do,
i have a 95 yj paid for , 84 oldsmobile delta 88 gave to by family, 01 ford explorer wife drives, 05 honda civic great on gas but hard on my back, and of all of these i would i perfer to drive my jeep even with the trans messing up
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Unread 01-22-2010, 12:12 PM   #90
shelli1571
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My jeep is 13 years old now. I wouldn't dream of paying for one new but that is just me. I saved up and got mine with cash. I only pay around $60 a month for full coverage insurance. It is not great on gas but I only drive it twice a week to work (around 70 miles roundtrip) and on weekends. On other days I drive my car and it gets double the gas mileage my jeep does.
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