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Old 05-05-2012, 03:08 AM   #71
CoryUyede
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What I'll do is I will follow Enemies and your advice. Right now, I am just fine tuning the plan before I sleep for a day shift tomorrow at 0630.

1) Pay off the Aug 2012 - Aug 2013 Insurance in a full year payment. So i will only worry about the monthly on the car.
2) Remove all of the downpayments except for the Richmond Subaru and the Docksteader downpayments. (I will get a SWP 14' BRZ Limited 6MT - as decided by this public drive video -
). I am sure that I will get a 14MY Subaru BRZ Limited with hopefully better finance rates and some wiggle room (doubt it).
3) From August 2012-August 2013, WORK MY ASS OFF and accelerate my monthly payments from 340.30 to 2000/mo so that I can pay off the car by Aug 2013.
4) After that, attain 10K to put down on the car.
5) Join the club and be happy

LOL.

Any other fine tunes that I can do?

I can tell you right now, the '14 BRZ will have the EXACT same finance rates that a '13 has NOW. One variable though. For example, what usually happens with the WRX and STI's, a few months before the NEXT Model year comes out, the CURRENT models drop 1% for all terms.

So if you get a late September/October '13MY BRZ shipment, you could POSSIBLY get 1% off....i only say possibly because of the rarity of this car.
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Old 05-05-2012, 03:10 AM   #72
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lol.. why do i have the feeling that this sub forum will be empty by the time the car is released. LOL.

Oh and btw. Just a quick poll...

How many KM do you guys drive monthly? yearly?
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Old 05-05-2012, 03:17 AM   #73
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lol.. why do i have the feeling that this sub forum will be empty by the time the car is released. LOL.

Oh and btw. Just a quick poll...

How many KM do you guys drive monthly? yearly?
On my OWN car..i do about 18,000km yearly . 1500/mth. If you include what i drive DURING work in other vehicles, i do 60-70,000 a year..

FYI, i believe Average is considered 20,000/yr
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Old 05-05-2012, 03:59 AM   #74
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lol.. why do i have the feeling that this sub forum will be empty by the time the car is released. LOL.

Oh and btw. Just a quick poll...

How many KM do you guys drive monthly? yearly?
I should really know this. It's bad that I don't considering I'm supposed to keep track of my KM for work since my vehicle is 100% for business and I write-off everything associated with it. I have 240,000 KM on it and have had it for 10 years so I guess 24,000/year would be a good guess.

Never had to have any major work done. Knock on .
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Old 05-05-2012, 04:02 AM   #75
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Oh, and as for ICBC, I pay mine off yearly (I don't like monthly payments if I can avoid it) so I pay everything I can off ahead of time so I don't have to worry about it for another 12 months. It's a shame a year passes by so quick. :P
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Old 05-05-2012, 04:12 AM   #76
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I should really know this. It's bad that I don't considering I'm supposed to keep track of my KM for work since my vehicle is 100% for business and I write-off everything associated with it. I have 240,000 KM on it and have had it for 10 years so I guess 24,000/year would be a good guess.

Never had to have any major work done. Knock on .
Lol...way to combine to Wood Themed Emoticons
What do you drive right now?

Quote:
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Oh, and as for ICBC, I pay mine off yearly (I don't like monthly payments if I can avoid it) so I pay everything I can off ahead of time so I don't have to worry about it for another 12 months. It's a shame a year passes by so quick. :P
That's the way to do it man. Although some people who are terrible with finances need monthly payments so they don't get surprised by one massive payment that puts them under
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Old 05-05-2012, 06:30 AM   #77
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Lol...way to combine to Wood Themed Emoticons
What do you drive right now?
I'm... ashamed... to say!

Lets just say it's a Toyota and it's good on gas. :P
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Old 05-05-2012, 09:52 AM   #78
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Quote:
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You better not be married. Don't ever say that to your wife! jk
That's what Facebook is for Unless she changed it to test me, now that would be mean.
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I'm going to sleep on this idea.

Here's some interesting tid bits:
- I could very well finance an Elise for 60 months at the price of running two cars at $2000/mo.
- I might be tempted to just sell the elantra and just let the FR-S take the milage which will bring me down to 1300/mo for 36 months which is much easier I am sure.
Don't use the FR-S as a daily driver, with the milage you have you're gonna be broke.
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Old 05-05-2012, 12:25 PM   #79
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I'm going to sleep on this idea.

Here's some interesting tid bits:
- I could very well finance an Elise for 60 months at the price of running two cars at $2000/mo.
- I might be tempted to just sell the elantra and just let the FR-S take the milage which will bring me down to 1300/mo for 36 months which is much easier I am sure.
Have you actually started you new job yet?
Can you guarantee all these extra hours you want to work will be available?
$2000k/month pissed away on 2 cars for a regular working professional (say between 50k-150k/year) ?
Putting six (6!) deposits down for some new car?

I don't want to keep being Buzz Killington, but that is bonkers.

I do not know the health industry well enough to comment on job particulars obviously, but all you math seems to be on your maxing out your earning potential, with no fall back if you get sacked, cannot work extra hours, knock up your GF, etc...

Living in the GVRD I would suspect you pay a good whack for rent each month. Do you and the missus take vacations to far flung places? Restos and bars aren't cheap and with your attraction to all things new and shiney, how many other disposable things do you spunk money on?

It's great to be enthusiastic about something, but not to a bipolar/ocd degree. The car will still be there to buy in future years
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Old 05-05-2012, 01:04 PM   #80
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Have you actually started you new job yet?
Can you guarantee all these extra hours you want to work will be available?
$2000k/month pissed away on 2 cars for a regular working professional (say between 50k-150k/year) ?
Putting six (6!) deposits down for some new car?

I don't want to keep being Buzz Killington, but that is bonkers.

I do not know the health industry well enough to comment on job particulars obviously, but all you math seems to be on your maxing out your earning potential, with no fall back if you get sacked, cannot work extra hours, knock up your GF, etc...

Living in the GVRD I would suspect you pay a good whack for rent each month. Do you and the missus take vacations to far flung places? Restos and bars aren't cheap and with your attraction to all things new and shiney, how many other disposable things do you spunk money on?

It's great to be enthusiastic about something, but not to a bipolar/ocd degree. The car will still be there to buy in future years
I hate typing on my phone but It has to be done as I am at work.

My work is relatively stable. The hours are not guaranteed yet as I work 5 different casual lines. If I work full time, then I will have no problem. I will suffer working full time but that's how life is. If I do get this full time line, I will go and pay off the elantra by this year. Knowing I have to wait that long, I'll wait for the WSP BRZ limited 6MT instead. I know that I won't regret spending that extra 5k on those nice things

I do very much like shiny and new things. I am afterall still very young. I haven't even grown hair on my balls compared to you guys. I want my car now but I might have to come back to reality that 2k/mo on car bills is ludicrous.

So I was thinking about trading in my car instead. Im going to talk to the guys at JP scion today and OR scion to see how much they are willing to give me
For my car.
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Old 05-05-2012, 01:06 PM   #81
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I dont pay rent. We don like spending tons on food or expensive things. For me it's my hobbies - clothes, cars, and photography. My girlfriend is into clothes, very expensive handbags and shoes.

It's a hostile lifestyle. Not good
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Old 05-05-2012, 02:44 PM   #82
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I never understood why women needs so many handbags, I mean shoes I can understand but wouldn't you need to move everything every time you got a new handbag?
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Old 05-05-2012, 03:05 PM   #83
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I dont pay rent. We don like spending tons on food or expensive things. For me it's my hobbies - clothes, cars, and photography. My girlfriend is into clothes, very expensive handbags and shoes.

It's a hostile lifestyle. Not good
As long as she's spending her money on handbags and shoes!

If I were you I would go shopping with her and give her disapproving looks every time she started looking at a handbag or shoes... And just be like... No, that's more like a BRZ or FR-S type of product. You should stick with the Elantraish handbag/shoes that you have already.

!
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Old 05-05-2012, 03:07 PM   #84
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^ Awesome.
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