Congrats!!

 

Congratulations...why not put it all towards the camper and have it paid off as well.

 

Congratulations!!! I will on the other hand make every payment on my Tundra by choice. At 0% financing I'll keep my money and use Toyota's

 

Congratulations...why not put it all towards the camper and have it paid off as well.

I'm actually thinking about that. I ran the numbers, on a 15 year loan if I double up the payment it cuts it down to 6 years. An extra $200 which would be the entire truck loan would take it down to 3yr 10mos, saving $9100 in interest. I will probably do that instead.

Congratulations!!! I will on the other hand make every payment on my Tundra by choice. At 0% financing I'll keep my money and use Toyota's

If I qualified for 0% I would have worked on higher interest debt first. Smart move to finance at 0%, even someone who doesn't know what they are doing in the stock market can make 7% a year so something like that would be much wiser at 0%. But I was paying about 6.24% interest so it made more sense to knock it out as it's my highest rate.

 

Oh, and the reason they wouldn't give me 0% was not because of credit, but because I got $10K off the sticker price ;-) One or the other.

 

I know the feeling. I was able to pay cash for mine. From money my parents left me after they were gone. So one good thing from a real bad.

 

Paying a vehicle off is a great feeling. I paid mine off the day I brought it home.

 

i also use toyota money and got 0% so i just keep my money in the bank and make a little intrest. bu it is a good feeling with no payment. congrats im tryin to pay off my house o% fit the bill for the tundra

 

I can't wait to taste the happy freedom once my truck is paid off Oct 2010! Here I come 2012 Tundra with the 5.7L in case BS&E looks here too! ;D

Sanosuke!

 

congrats! i wish i could pay off my truck in 3 paymentshwell:

 

Paid mine off about 6 months after purchase. I took the cash incentives rather than the 0% deal. We paid off the wife's 4Runner too. Feels real good. My camper will take another year or so...

 

Congratulations!!! its nice to have no payments :nod:

 

Congrats, I know it must feel good

 

congrats i wish mine was paid off

 

The only payment i have is my house, i only buy if i have the cash to pay for it, the way i see it, if i don't have the cash, i can't afford it. If more people in the US sees it this way, the country would not be in the melt down.

 

Awesome. The only 2 things I consider credit/debt worthy are a home and vehicles. Once we pay off my wife's vehicle her entire payment is going to the Tundra. Once the Tundra is paid off the entire amount is going to the new camper we are going to buy.

I'd say to the house, but we'll be moving in 3-4 yours and selling this one. So no reason to pay out sooner.

 

Payments??......... My Tundra was a GIFT.....lol. Ima good boy...

 

That must have been quite a tax refund. You might want to have your tax withholding adjusted, so you can keep more of your money in your control, rather than letting the government use it interest free(for you and them) for up to a year.:yo:

 

Oh, and the reason they wouldn't give me 0% was not because of credit, but because I got $10K off the sticker price ;-) One or the other.

In december when I got mine, they were offering 0% or $5000 cash back, I told them I wanted both he said it doesn't work like that. We sat and debated which one would be better because I was going to use the cash to pay off credit cards. The guy walked out of the room for a minute...

It was my 3rd truck from them so the finance manager said oh, what the hell lets do it for him

-Tim

 

That must have been quite a tax refund. You might want to have your tax withholding adjusted, so you can keep more of your money in your control, rather than letting the government use it interest free(for you and them) for up to a year.:yo:

Actually, that's exactly what I did. I was claiming 0 and have been for years as I love getting a big return. I just changed it to claim myself, my wife, and kid so I won't get much back next year. I was just afraid that something would happen in Ohio like in Kansas or California where the state all the sudden refuses to give refunds because they are running out of money. So this will be my last big refund.

 

Well congrats yuo want to pay off mine !

 

Congrats now keep making those payments but squirrel them away into a seperate account. When you buy your next truck play hardball with cash. It's amazing what kind of deal you can drive with cash.

 

The only payment i have is my house, i only buy if i have the cash to pay for it, the way i see it, if i don't have the cash, i can't afford it. If more people in the US sees it this way, the country would not be in the melt down.

Well aren't you the fortunate one .

 

Well aren't you the fortunate one .

my theory? the banks need to stay in business also so i'll just keep helping them stay in business by paying mine in payments and interest.


ok really i aint got the money to pay cash but would if i could.

 

If I qualified for 0% I would have worked on higher interest debt first. Smart move to finance at 0%, even someone who doesn't know what they are doing in the stock market can make 7% a year so something like that would be much wiser at 0%. But I was paying about 6.24% interest so it made more sense to knock it out as it's my highest rate.

Um...not really. You can only make 7% without knowing anything when the whole market is rocketing up. I know little about the market, so my retirement accounts are professionally managed. Both did really well for almost 17 years, but I've lost 35% on one and over 40% on the other. I guess I'll plan on working forever...

Nice truck, by the way. Very pretty.