Might be selling the lunchbox :( No more Scion xB

[Ryan]

Originally posted by: mercanucaribe

Originally posted by: Ryan

Originally posted by: mercanucaribe
You were delivering pizza full time just to pay for the car? I guess this is proof that students who work full time aren't necessarily smarter than the rest of us.

Good assumption - obviously you haven't gotten very far in your schooling since you flagrantly us Ad Hominem attacks, and straw man arguements.

No - I work full time because I don't get a handout from anyone - I work full time to pay rent on a townhouse, tuition, electric, water, and cable bills, insurance for my vehicle, and other expenses.

Well your post made it sound like you were working just to pay for the Scion, especially since you said selling it would erase all your debt, and you were living with your parents...

Go back and re-read the OP - I never said I was currently living with my parents. My only debt right now is the car, and I owe $8K on it.

 

[miri]

I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

 

Originally posted by: Ryan

Originally posted by: mercanucaribe
You were delivering pizza full time just to pay for the car? I guess this is proof that students who work full time aren't necessarily smarter than the rest of us.

Good assumption - obviously you haven't gotten very far in your schooling since you flagrantly us Ad Hominem attacks, and straw man arguements.

No - I work full time because I don't get a handout from anyone - I work full time to pay rent on a townhouse, tuition, electric, water, and cable bills, insurance for my vehicle, and other expenses.

Using logical fallacy definitions makes you look like a wanker.

 

[sniperruff]

Originally posted by: miri
I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

wouldn't call it a minivan since it shares the same platform and i think drivetrain as the echo. but good wagon. i'd rather have a matrix.

 

[GeekDrew]

Originally posted by: miri
I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

Haul *what* stuff in it? A desktop computer and maybe a suitcase later, and you're lucky to be able to fit two people in it.

 

[Ornery]

Originally posted by: Ryan

I work full time because I don't get a handout from anyone - I work full time to pay rent on a townhouse, tuition, electric, water, and cable bills, insurance for my vehicle, and other expenses.

Anybody who can pull all that off on one income, kicks ass in my book. :thumbsup:

 

[0roo0roo]

you are having money troubles and u go v6 with gas prices the way they are?

 

[AgaBoogaBoo]

Originally posted by: 0roo0roo
you are having money troubles and u go v6 with gas prices the way they are?

This would get rid of his debt though, even with higher gas prices his monthly expenses overall would go down

 

[NikPreviousAcct]

You're going to have to become straight depending on the vehicle you get...

 

[Eli]

Originally posted by: GeekDrew

Originally posted by: miri
I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

Haul *what* stuff in it? A desktop computer and maybe a suitcase later, and you're lucky to be able to fit two people in it.

What?

It seats 5, and has a cargo room of 43 cubic feet..

For reference, a 2006 Camry has 17 cubic feet of cargo area.

 

[NFS4]

Hey, if you want to drive to NC, my Camry is going to be for sale in about 2 days

 

[GeekDrew]

Originally posted by: Eli

Originally posted by: GeekDrew

Originally posted by: miri
I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

Haul *what* stuff in it? A desktop computer and maybe a suitcase later, and you're lucky to be able to fit two people in it.

What?

It seats 5, and has a cargo room of 43 cubic feet..

For reference, a 2006 Camry has 17 cubic feet of cargo area.

I've apparantly lost my mind or something... I would have sworn that when I was in an XB last summer, it was full, and there was next to nothing in it.

 

[AgaBoogaBoo]

Originally posted by: GeekDrew

Originally posted by: Eli

Originally posted by: GeekDrew

Originally posted by: miri
I dont know why people hate on the XB so much.

For under 15k you get a practical mini van which can haul stuff around, get good gas mileage, over 30mpg and toyota quality.

Haul *what* stuff in it? A desktop computer and maybe a suitcase later, and you're lucky to be able to fit two people in it.

What?

It seats 5, and has a cargo room of 43 cubic feet..

For reference, a 2006 Camry has 17 cubic feet of cargo area.

I've apparantly lost my mind or something... I would have sworn that when I was in an XB last summer, it was full, and there was next to nothing in it.

Nope, there's tons of space in it without a doubt

 

[RossMAN]

Stop buying so much crap @ Target.

Sorry I couldn't resist

 

[funboy6942]

Originally posted by: AgaBoogaBoo

Originally posted by: 0roo0roo
you are having money troubles and u go v6 with gas prices the way they are?

This would get rid of his debt though, even with higher gas prices his monthly expenses overall would go down

Who is really to say this would pull him out of debt? He is wanting to get out of this car and buy and older one that will start having problems down the line and may come to a point that it would actuall cost more.

He kinda in a way has a way out. Said he has some saved up money that would leave him with a pay off around $2K.

Do this:
Call and get an exact payoff of the lunch box if you have'nt done this alread to see where you are actually at. If that figure is off the top of your head you may be higher or if your lucky lower.
If lower throw this at them and tell them hey I got $6K and see if there is any chance at all they woudl take that as a final pay off and explain to them your situation. If they are understanding your parents are gone in the military, your on your own, give them a sob story, there is a good chance they will take that as the pay off considering you have been paying them alot of money in intrest already. They will also take your sob story and think you may be on the verge of a BK and I would mention somewhere in the conversation things are not looking good and your trying not to go thhat route and pay off all you debt and the $6K is what you can afford to pay. Just the mention of BK will have them go "SH!T, BK and we wont see jack, legal fees, repo, court costs, and since its a bk we wont get crap nor can we sue him to get the money. This is $2k less then the actual pay off but wont loose as much. SURE we will be happy to take the $6 as a final pay off."

Not saying this will work but a sob story, mentioning a BK in the future, and saying you have $6 to pay it off now may work in your favor and be able to keep the car. You may be better off in your situation if they say no to just pay the $6K now get it under 2K left and pay that off and drive a trouble worry free car. And hell ask them to refi the rest if need be. Your obviously well under kelly BB. I cannot see why if you tell them you want to put another $4-6K down right now why they couldnt refinance it lowering your payments to $25 a month. And if they say no try another bank. You can refinance the car because you basicly buying if from yourself with another down payment. Just when you call and they wont bite on your sob story mention this and see. That is another option in thier minds that your looking to keep yourself out of debt and the car still gets paid off in full. Hell even refinancing it you may be able to get a better rate as well . This wont work for everyone especially if they are upside down. Your not so there really isnt any reason for them to tell you no.

This way bills are down, you keep your reliable car, didnt have to buy another persons problem that may give you trouble down the road. Your car is proven why do that and I have given you some options to help you out.

 

[Evadman]

You are only going to get 11-12 not 12-13 for it. But that still leaves you with 3k.