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How do you pay for your mods?


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I don't have "mod" money....two in college, four car payments, etc. ;) I will though at some point....eventually my money will be mine. I see a light at the end of the tunnel (I hope anyway, but I bet it never ends).
 

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Discover, they probably still have a promo going on- not sure if it is still 18 months. But I am not BS'ing it was 18 months for me.
Yep, it's Discover. My wife just got one.

**** Danimal, sounds like you'd have been better off finding a woman you hate and giving her a house.. lol
Anyways, I'm a cash only guy. Basically, a credit card for me is used for two things - Buying **** over the internet, and buying food/stuff while traveling (takes care of conversion rates and I don't end up with a ton of Rand or Euros or Loons that I can't do anything with..) I don't buy anything I can't afford. Using this strategy actually allows me to afford more stuff in the long run. I can't stand people who are quick to swipe the card on **** they don't need, and end up deep in debt and cry how poor they are. STOP spending other people's money.
You New Yorkers are smarter than I thought. :poke:

The results are interesting...

So far the responses don't quite reflect the reality that I have experienced from talking to people in real life. I guess the Z community is a fiscally responsible bunch.

Ronin Z
I wouldn't go that far. I've contemplated selling body parts for bodykits.
 

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^^"how the **** someone could mod a car they don't own" ? simple by turning a wrench. Why someone would mod a car they dont own? Maybe their payment is only $215 a month and they only owe around 4k and its no big deal to pay a very small amount of interest on that amount to have some fun. :dunno:
 
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John hit the nail on the head. How the **** someone could mod a car that they don't own is beyond me. :headshake:
Are you being serious or a dick I cant tell :lol:
 

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I figure out the bills for next month and if I see I have enough cash, I will purchase whatever. It doesn't help tho that I want the more expensive things. I only use credit cards on emergency; thankfully nothing major has happened yet.
 

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cash, I believe if your really want somthing its worth the wait. besides i have enough medical bills, plan to burn them for warmth this winter while saving for FI.. almost there yes!!!
 

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Im just curious, For all that voted cash for mods-- did you wait till you had enough cash to pay for the Z outright ???

Nevermind, I'll shut up already i'm kicking a dead horse. You guys are right paying interest on credit cards is rediculous. But if a credit company offers EVEN money for a prolonged period, I say go for it if you are responsible enough to pay it off in full before interst kicks in. In my case it was 6500 0% for 18months, so I maxed that b**** out and paid it off before any interest. I am 27 and have paid less than $100 in interest ever to a credit card, just be responsible guys and gals.
 

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Im just curious, For all that voted cash for mods-- did you wait till you had enough cash to pay for the Z outright ???

Nevermind, I'll shut up already i'm kicking a dead horse. You guys are right paying interest on credit cards is rediculous. But if a credit company offers EVEN money for a prolonged period, I say go for it if you are responsible enough to pay it off in full before interst kicks in. In my case it was 6500 0% for 18months, so I maxed that b**** out and paid it off before any interest. I am 27 and have paid less than $100 in interest ever to a credit card, just be responsible guys and gals.
Yeah, write a letter and tell that to your representative, and senator to. They need to hear it just as much as the average citizen does.
 

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**** Danimal, sounds like you'd have been better off finding a woman you hate and giving her a house.. lol
Anyways, I'm a cash only guy. Basically, a credit card for me is used for two things - Buying **** over the internet, and buying food/stuff while traveling (takes care of conversion rates and I don't end up with a ton of Rand or Euros or Loons that I can't do anything with..) I don't buy anything I can't afford. Using this strategy actually allows me to afford more stuff in the long run. I can't stand people who are quick to swipe the card on **** they don't need, and end up deep in debt and cry how poor they are. STOP spending other people's money.

well i voted other but SHOULD have voted for CASH because credit cards are nothing but trouble and my kryptonite which is why i don't use them except for emergencies.

I would never have owned a Z still being married! if i do re marry she WILL have a job! If i can carry my own im sure that there are women out there who can do the same.
 

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I don't have "mod" money....two in college, four car payments, etc. ;) I will though at some point....eventually my money will be mine. I see a light at the end of the tunnel (I hope anyway, but I bet it never ends).
not even sneaking a drop in [email protected]

or toykilla's plenum spacer?
 

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John hit the nail on the head. How the **** someone could mod a car that they don't own is beyond me. :headshake:
I plan on keeping it that's why i mod it.

should be the only reason one would do so, besides completely owning it.

even now...I do not desire any car....still have love for the Z.
 

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Can someone change my vote response?
After reading and thinking...we do cash / credit pay off every month.
I'm sleep deprived, so I wasn't thinking correctly.

We modded the Lightning and the Z before we owned either. We knew we would have them forever. We insured the L for the bolted on parts so in case it was totaled or stolen everything would be covered. We were pretty lucky to come into some $$ just when we had the mod bug for each vehicle.

Long story short:
We charge nearly everything to get the points for it. Pay it off every month and start over!
Cash for little parts -- belts, bolts, etc.
 

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John hit the nail on the head. How the **** someone could mod a car that they don't own is beyond me. :headshake:
I have been contemplating whether I should reply regarding this, but I guess I will give it a try...

As a general rule, yes, that is completely sane, but let me briefly explain my situation.

I borrowed 20k for 5 years at 5% to buy my car. That is pretty much exactly halfway done now, so I owe about 10k still(significantly less than I have put into modding). Right now, I very literally have no living expenses. I have a full scholarship to attend school, and actually I usually end up with a few hundred bucks a semester left over to pocket. Most of the money that I brought in before I had a car payment, and the remaining money I can bring in now I put straight into my online portfolio. I have been more of a trader than investor for the past couple years, and have managed to bring in at least 10% fairly consistently. (Then again, every once in a while you own Apple when they announce the I-phone and it nearly doubles your investment in slightly more than a month!)

So, what that means is that I could pay the car off this afternoon if I wanted to, but I am actually being more productive doing it as I am. What that also means is that the only significant amount of money I have ever removed (to pay for the turbos) was almost entirely accumulated interest from the 2 years prior to pulling the trigger.

Just food for thought, I hope this makes sense. I personally do not think I am all THAT stupid, but maybe it's just me ; )
:cheers:
 

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^^^Makes perfect sense, sounds like you are on top of things.

I plan on keeping it that's why i mod it.

should be the only reason one would do so, besides completely owning it.

even now...I do not desire any car....still have love for the Z.
Aman brotha :irock:
 

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A life of crime . . .
 

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i rarely use cash because i get too many points for makin big spends on the credit card. i pay it off soon after and i get twice the benefits, the points, AND the mods :D no matter what the cost lol tho then again no expenditure has been over 2grand since im not pullin off some FI project or so
 

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A life of crime . . .
Fear not, when this is paid off in 2 years I'll start on something else. Probably an Evo9, to be realistic, but I will look very hard for an r33 GTR first. Z will get completely gutted to be the track baby...
 

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i couldnt decide to choose cash or credit because. i give my dad cash and he pays with credit car. unless i go to a shop then i pay cash. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
 
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