No Profanity *** No Flaming *** No Advertising *** No Anti Trappers *** No Politics
No Non-Target Catches *** No Links to Anti-trapping Sites *** No Avoiding Profanity Filter


Home~Trap Talk~ADC Forum~Trap Shed~Wilderness Trapping~International Trappers~Fur Handling

Auction Forum~Trapper Tips~Links~Gallery~Basic Sets~Convention Calendar~Chat~ Trap Collecting Forum

Trapper's Humor~Strictly Trapping~Fur Buyers Directory~Mugshots~Fur Sale Directory~Wildcrafting

Trapper's Tales~Words From The Past~Legends~Archives~Kids Forum~Lure Formulators Forum~ Fermenter's Forum


~~~ Dobbins' Products Catalog ~~~


Minnesota Trapline Products
Please support our sponsor for the Trappers Talk Page - Minnesota Trapline Products


Print Thread
Hop To
Page 3 of 5 1 2 3 4 5
Re: Average monthly car payment. [Re: Swamp Wolf] #6879952
05/22/20 10:24 PM
05/22/20 10:24 PM
Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
B
Boco Offline
trapper
Boco  Offline
trapper
B

Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
Swampwolf,just cause you couldnt do it doesnt mean others didnt figure it out.

Re: Average monthly car payment. [Re: Boco] #6879960
05/22/20 10:30 PM
05/22/20 10:30 PM
Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
S
Swamp Wolf Offline
trapper
Swamp Wolf  Offline
trapper
S

Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
Originally Posted by Boco
Swampwolf,just cause you couldnt do it doesnt mean others didnt figure it out.

I figured it out. And I'm being honest about this. Plus it all goes back to what a man wants and what he wants to provide for his family. If a man dont want much then he dont need much to get it.


Thank God For Your Blessings!

Re: Average monthly car payment. [Re: Swamp Wolf] #6879962
05/22/20 10:30 PM
05/22/20 10:30 PM
Joined: Nov 2012
Posts: 193
midland, michigan
M
midlander Offline
trapper
midlander  Offline
trapper
M

Joined: Nov 2012
Posts: 193
midland, michigan
Nope, didnt have money, didnt inherit money, didnt have anyone give me money and didnt live off someone else's teat. I went to work at a young age and was taught strong work ethic. Just as important, I live beneath my means which allows a person to save and invest. Ive never had cable tv and many of the other things that young people often wastte their money on. I had car loans early on before i wised up, im not perfect by any means. But I sure as heck am not sheep enough to get brainwashed by financial institutions into thinking you 'have to go into debt' Being in debt is normal, I choose not to be normal. It aint easy, but it can be done with some effort. Swamp, not trying to degrade you or your opinion, but you are wrong.

Re: Average monthly car payment. [Re: midlander] #6879965
05/22/20 10:34 PM
05/22/20 10:34 PM
Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
S
Swamp Wolf Offline
trapper
Swamp Wolf  Offline
trapper
S

Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
Originally Posted by midlander
Nope, didnt have money, didnt inherit money, didnt have anyone give me money and didnt live off someone else's teat. I went to work at a young age and was taught strong work ethic. Just as important, I live beneath my means which allows a person to save and invest. Ive never had cable tv and many of the other things that young people often wastte their money on. I had car loans early on before i wised up, im not perfect by any means. But I sure as heck am not sheep enough to get brainwashed by financial institutions into thinking you 'have to go into debt' Being in debt is normal, I choose not to be normal. It aint easy, but it can be done with some effort. Swamp, not trying to degrade you or your opinion, but you are wrong.

Not degrading you either but where did you live while you were saving up. If you had your own place and were not at home with your parents then you are an exception and good for you. You should be proud of your accomplishments.

But you have access to the wasteful internet....

I agree debt is normal....

Last edited by Swamp Wolf; 05/22/20 10:37 PM.

Thank God For Your Blessings!

Re: Average monthly car payment. [Re: Sprung&Rusty] #6879984
05/22/20 10:54 PM
05/22/20 10:54 PM
Joined: Nov 2012
Posts: 193
midland, michigan
M
midlander Offline
trapper
midlander  Offline
trapper
M

Joined: Nov 2012
Posts: 193
midland, michigan
Bought my first house on a 15 yr fixed loan (again, before I wised up). House cost less than the trucks folks are talking about. Socked all my extra cash into extra payments and had it paid in 21/2 years. By freeing up that mortgage early, it allowed us to save, invest and start getting ahead. It was a real eye opener and I realized early how debt could drag you down. Sorry if I came off a little strong, I think I took a liitle too much offense to being pigeon-holed as someone who had not earned what I had. Guess I need thicker skin Lol

Re: Average monthly car payment. [Re: Swamp Wolf] #6879993
05/22/20 11:08 PM
05/22/20 11:08 PM
Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
B
Boco Offline
trapper
Boco  Offline
trapper
B

Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
Originally Posted by Swamp Wolf
Originally Posted by Boco
Swampwolf,just cause you couldnt do it doesnt mean others didnt figure it out.

I figured it out. And I'm being honest about this. Plus it all goes back to what a man wants and what he wants to provide for his family. If a man dont want much then he dont need much to get it.

Not sure what you are trying to imply by that statement,but if you are implying I didnt have much you'd be dead wrong.i was well off when I got married and started a family because I didnt want to be scrimping under debt and not be able to provide everything for them.
At this point in my life I have too much and will soon buy my kids each a new home.
And they are both responsible hard working adults and I know they will benefit from it.

Last edited by Boco; 05/22/20 11:11 PM.
Re: Average monthly car payment. [Re: midlander] #6879994
05/22/20 11:09 PM
05/22/20 11:09 PM
Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
S
Swamp Wolf Offline
trapper
Swamp Wolf  Offline
trapper
S

Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
Originally Posted by midlander
Bought my first house on a 15 yr fixed loan (again, before I wised up). House cost less than the trucks folks are talking about. Socked all my extra cash into extra payments and had it paid in 21/2 years. By freeing up that mortgage early, it allowed us to save, invest and start getting ahead. It was a real eye opener and I realized early how debt could drag you down. Sorry if I came off a little strong, I think I took a liitle too much offense to being pigeon-holed as someone who had not earned what I had. Guess I need thicker skin Lol

Good for you. What you did is outstanding. My point was that just about everyone starts out in debt, unless they have other means or help. You did too, you just got out of it quicker than most. Most people continue in debt to acquire better vehicles, land, etc as they progress thru life.

Hope you are not flooded in Midland...been seeing that in the news. Take care.


Thank God For Your Blessings!

Re: Average monthly car payment. [Re: Sprung&Rusty] #6880000
05/22/20 11:15 PM
05/22/20 11:15 PM
Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
S
Swamp Wolf Offline
trapper
Swamp Wolf  Offline
trapper
S

Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
I figured it out. And I'm being honest about this. Plus it all goes back to what a man wants and what he wants to provide for his family. If a man dont want much then he dont need much to get it.

[/quote]
Not sure what you are trying to imply by that statement,but if you are implying I didnt have much you'd be dead wrong.
At this point in my life I have too much and will soon buy my kids each a new home.
And they are both responsible hard working adults and I know they will benefit from it.[/quote]


Not implying anything about you Boco, but people that state that have never been in debt or utilized loans are likely not being 100% honest in this thread about their start and their means in building their own life.


Last edited by Swamp Wolf; 05/22/20 11:16 PM.

Thank God For Your Blessings!

Re: Average monthly car payment. [Re: Sprung&Rusty] #6880002
05/22/20 11:18 PM
05/22/20 11:18 PM
Joined: Oct 2011
Posts: 954
Central Ontario, Canada
C
Crit-R-Dun Offline
trapper
Crit-R-Dun  Offline
trapper
C

Joined: Oct 2011
Posts: 954
Central Ontario, Canada
Bought a new car today for the better half. With the company loyalty discount of 1% the interest rate worked out to a wopping .89% for 60 months. Zero down made the only sense, who in their right mind would buy a car with their own money?

Re: Average monthly car payment. [Re: Crit-R-Dun] #6880004
05/22/20 11:20 PM
05/22/20 11:20 PM
Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
S
Swamp Wolf Offline
trapper
Swamp Wolf  Offline
trapper
S

Joined: Apr 2009
Posts: 5,184
South Ga - Almost Florida
Originally Posted by Crit-R-Dun
Bought a new car today for the better half. With the company loyalty discount of 1% the interest rate worked out to a wopping .89% for 60 months. Zero down made the only sense, who in their right mind would buy a car with their own money?

Awesome!


Thank God For Your Blessings!

Re: Average monthly car payment. [Re: Crit-R-Dun] #6880013
05/22/20 11:35 PM
05/22/20 11:35 PM
Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
B
Boco Offline
trapper
Boco  Offline
trapper
B

Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
Originally Posted by Crit-R-Dun
Bought a new car today for the better half. With the company loyalty discount of 1% the interest rate worked out to a wopping .89% for 60 months. Zero down made the only sense, who in their right mind would buy a car with their own money?

Too bad you didnt read the fine print where they hide the "cost of borrowing" at zero percent,lol.
Works out to around 10 percent.
Your money ahead borrowing from the bank at 5or6 percent than financing thru the car company at 0%.

Last edited by Boco; 05/22/20 11:38 PM.
Re: Average monthly car payment. [Re: Sprung&Rusty] #6880015
05/22/20 11:43 PM
05/22/20 11:43 PM
Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
B
Boco Offline
trapper
Boco  Offline
trapper
B

Joined: Aug 2011
Posts: 25,312
james bay frontierOnt.
Another thing-never trade in a vehicle at a dealership.
Spend a few bucks to get the old one professionally cleaned and detailed and it will sell privately for 3 times the trade in offer.

Re: Average monthly car payment. [Re: Boco] #6880020
05/23/20 12:00 AM
05/23/20 12:00 AM
Joined: Oct 2011
Posts: 954
Central Ontario, Canada
C
Crit-R-Dun Offline
trapper
Crit-R-Dun  Offline
trapper
C

Joined: Oct 2011
Posts: 954
Central Ontario, Canada
Originally Posted by Boco
Originally Posted by Crit-R-Dun
Bought a new car today for the better half. With the company loyalty discount of 1% the interest rate worked out to a wopping .89% for 60 months. Zero down made the only sense, who in their right mind would buy a car with their own money?

Too bad you didnt read the fine print where they hide the "cost of borrowing" at zero percent,lol.
Works out to around 10 percent.
Your money ahead borrowing from the bank at 5or6 percent than financing thru the car company at 0%.


Major manufacturer dealerships don't finance vehicles at least the imports I've bought in recent years or guided my young adult kids to buy , their loan officers act as brokers between buyers and banks or major lending institutions. My own bank who I've been with my entire life and have an excellent credit rating with acknowledged they couldn't match what the dealership can offer because of the volume of business they bring to the major banks. When I can negotiate a price somewhere lower then the MSRP with the dealer cost disclosed and walk away with a purchase financed at .89% I'm pretty satisfied with my purchase.

Last edited by Crit-R-Dun; 05/23/20 12:17 AM.
Re: Average monthly car payment. [Re: Sprung&Rusty] #6880027
05/23/20 12:10 AM
05/23/20 12:10 AM
Joined: May 2009
Posts: 6,959
Champaign County, Ohio.
K
KeithC Offline
trapper
KeithC  Offline
trapper
K

Joined: May 2009
Posts: 6,959
Champaign County, Ohio.
We have 2 Ford Rangers, 1 Ford F250 and a Pacifica all of which we bought from the owners used. I am thinking about financing a compact Kubota tractor with belly motor, loader and tiller.

Keith

Re: Average monthly car payment. [Re: Sprung&Rusty] #6880029
05/23/20 12:18 AM
05/23/20 12:18 AM
Joined: Jul 2019
Posts: 277
South Dakota
P
Prn Offline
trapper
Prn  Offline
trapper
P

Joined: Jul 2019
Posts: 277
South Dakota
Cash is king, if I cant pay cash for it I dont need it.

Re: Average monthly car payment. [Re: Sprung&Rusty] #6880039
05/23/20 12:55 AM
05/23/20 12:55 AM
Joined: Aug 2011
Posts: 950
Georgia
N
newtoga Offline
trapper
newtoga  Offline
trapper
N

Joined: Aug 2011
Posts: 950
Georgia
Zero here.


lifetime member NTA, OSTA, GTA
Re: Average monthly car payment. [Re: Sprung&Rusty] #6880068
05/23/20 05:22 AM
05/23/20 05:22 AM
Joined: Dec 2006
Posts: 28,985
Northern Maine
Bruce T Offline
trapper
Bruce T  Offline
trapper

Joined: Dec 2006
Posts: 28,985
Northern Maine
By the time I turned 19 when I graduated from high school had enough money saved up to buy some land and a small house.

Re: Average monthly car payment. [Re: Sprung&Rusty] #6880111
05/23/20 07:32 AM
05/23/20 07:32 AM
Joined: Oct 2011
Posts: 954
Central Ontario, Canada
C
Crit-R-Dun Offline
trapper
Crit-R-Dun  Offline
trapper
C

Joined: Oct 2011
Posts: 954
Central Ontario, Canada
Self starters who become wealthy have done so because they have embraced and have no fear of debt.

Re: Average monthly car payment. [Re: Prn] #6880112
05/23/20 07:34 AM
05/23/20 07:34 AM
Joined: May 2010
Posts: 26,512
potter co. p.a.
P
pcr2 Online content
"Twerker"
pcr2  Online Content
"Twerker"
P

Joined: May 2010
Posts: 26,512
potter co. p.a.
Originally Posted by Prn
Cash is king, if I cant pay cash for it I dont need it.

same here


quality over quantity

Hickory Garden Tradin Post

PA life #413
Re: Average monthly car payment. [Re: Sprung&Rusty] #6880140
05/23/20 08:08 AM
05/23/20 08:08 AM
Joined: Dec 2007
Posts: 763
Lincoln County, Missouri
ol' dad Offline
trapper
ol' dad  Offline
trapper

Joined: Dec 2007
Posts: 763
Lincoln County, Missouri
I will borrow money all day long when it makes me money. If properly managed, a person who borrows money will make more money faster than a person who doesn't. That's assuming both start from $0. If you don't have a hammer you can't drive a nail.

Ol' dad


Started with nothing and still got most of it
Page 3 of 5 1 2 3 4 5
Previous Thread
Index
Next Thread