Deleted
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Post by Deleted on Dec 24, 2014 16:01:22 GMT -5
What shape is your KIA in? How much are you selling that for? Decent shape I guess, never had an accident, a few coffee stains, expected wear and tear. I would probably trade it in vs selling it myself on the open market. I was thinking more of a private sale. Trade in on that wouldn't be more than $500, I'll give you $600. What the hell, I'll even make it American money.
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TheHaitian
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Post by TheHaitian on Dec 24, 2014 16:04:26 GMT -5
Decent shape I guess, never had an accident, a few coffee stains, expected wear and tear. I would probably trade it in vs selling it myself on the open market. I was thinking more of a private sale. Trade in on that wouldn't be more than $500, I'll give you $600. What the hell, I'll even make it American money. LOL!!!!
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TheHaitian
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Post by TheHaitian on Dec 24, 2014 16:05:30 GMT -5
Yes and my mortgage is the biggest chunk of that... And no I will not drive a car that the wheels are held together by duct tape. It appears to be you, my friend! Don't worry, it is done with love Lol! I am grinning here You really don't take YM that seriously do you?
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TheHaitian
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Post by TheHaitian on Dec 24, 2014 16:14:37 GMT -5
LOL!!!!
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Deleted
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Post by Deleted on Dec 24, 2014 17:01:55 GMT -5
I was the healthiest I'd ever been when I got pregnant and had a ton of medical bills. My friend had a million dollar preemie that required her to leave her lucrative job and take him to special therapists several times a week for two years. I have another friend that had unexpected twins, a friend with triplets, etc. Don't take on large bills when anticipating having kids. Cash on hand and flexible cash flow will be your best friends if anything gets complicated. So, so this!!
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Deleted
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Post by Deleted on Dec 24, 2014 17:07:51 GMT -5
Even if things go smooth as silk it's still spendy, medical bills, lost work, baby stuff...
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quince
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Post by quince on Dec 24, 2014 19:35:17 GMT -5
...You are about to try to reproduce and you have one car payment, a house payment, and student loans. Do NOT take on another payment! ...I have a 2006 Kia. No duct tape, except the time a window was broken into. Before we moved out here, my husband had a 1997 Toyota 4 runner. Also no duct tape. Do you have duct tape on your car? If so, don't get a new car. You don't take care of your cars well enough to be trusted with one.
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justme
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Post by justme on Dec 24, 2014 21:09:08 GMT -5
There's no way I'd be taking on another payment until you know how much having kid(s) will cost. There's unfortunately a good chance having a kid for you guys will cost half of your budget for a car (or more) and there might be a lot more limited ways to pay for the treatments than there are for cars.
BTW - I thought most of the point of your MIL living with you was her doing the childcare. So wouldn't she be the one taking the kid in practically all circumstances? And if it was bad enough for one (or both) of you to take off work you'd just meet your MIL wherever she and the baby are?
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zibazinski
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Post by zibazinski on Dec 25, 2014 9:29:25 GMT -5
Does you mil drive? Does she own a car? i don't know whether having kids or not will work out for you guys but I do know you're carrying a lot of debt. I wouldn't add more to that until something is paid off.
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Peace Of Mind
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Post by Peace Of Mind on Dec 26, 2014 3:41:26 GMT -5
Buy it! And get a boat to match!!
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cael
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Post by cael on Dec 26, 2014 11:13:14 GMT -5
My DH drives my 15 year old Camry that has 199k miles on it (he's excited to hit 200k! lol) Whenever I talk to him about replacing that car after my car payment is over (3 more years), he says that if the Camry is still running and drivable in 3 years, he doesn't want to replace it. He's totally right. We plan to have kids within the next 2 years and both our cars have 4 doors and are safe. No reason to the Camry in 3 years if it's still driving well. I do want a bigger car like a Rav 4 (have wanted one of those for years), but I'm not going to buy one just because we'll have a kid and want more room, and why take on a car payment if we can drive paid-for cars for a few years and the Camry still runs? Unless something catastrophic happens to the Camry we will be driving it into the ground. I don't know about a Kia with high mileage, but at least I can be somewhat confident with my Toyotas that they will run well into high mileage. And the Camry has no duct tape and is in pretty good condition, body-wise. Don't replace a safe paid-for car if you don't have to!!
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TheHaitian
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Post by TheHaitian on Dec 26, 2014 11:31:40 GMT -5
Buy it! And get a boat to match!! Oh a boat... Mmmm.... Nah! Not a boat person
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cael
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Post by cael on Dec 26, 2014 11:34:43 GMT -5
I'd get the boat before a new car, I want a boat so badly lol it won't happen anytime soon, my canoe will have to suffice for now!
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steph08
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Post by steph08 on Dec 26, 2014 21:46:59 GMT -5
I was also super, super healthy and in shape when I got pregnant (I ran a PR best half marathon time (1:58) at 4 weeks pregnant) and then developed gestational diabetes, gestational hypertension and pre-eclampsia. I should have had a textbook, super easy pregnancy by how healthy and in shape I was. I didn't. Thank goodness for good insurance and thank God that we both came through okay.
My DH has a truck with "suicide doors" - where you have to open the front door in order to open the back door, not a double cab with a backseat like a sedan - and the car seat fits fine in it.
I bought my Camry two years before I had DD, and I wish I had waited. I'd love to have a mini-van, even though we don't plan on anymore kids. They're just so convenient.
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giramomma
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Post by giramomma on Dec 26, 2014 22:03:09 GMT -5
We had 2 Subarus, with two kids.
We've taken nice long driving vacations in both, with and without kids.
The only reason we got a minivan is because we had a third.
Now: I'm not touching the loan. I'm not sure why you posted about it. You like to take risks, and always seem to come out just fine.
Just because many of us don't like your choices doesn't mean that you shouldn't do as you wish.
Many folks here gave me the hairy eyeball when I complained about losing income while also sending our kids to private school. Many others stated they would make other choices, like dropping private school. And I did as I wished.
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8 Bit WWBG
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Post by 8 Bit WWBG on Dec 27, 2014 9:22:15 GMT -5
I'd consider a minivan if I could pimp it into a Man-e-van. Captains chairs, fridge, HDTV, WiFi...
I feel like everyone runs out and buys a giant bus when they have one kid. It seems that its not the kid, but the stuff. I know my parents never owned a big car when I and my sister were babies. Sure, its convenient to be able to take your entire "what if" collection everywhere you go. But can you really not leave the house without all that stuff?
I guess if you have you two, MIL, Max, and little Etienne and Manon, plus their carriages, your cooler, diaper bags, med kids, and room for purchases, then you need a tour bus to go to the mall.
Your budget is truly magical. At 0%, a $30k loan requires $500/mo to service. I get that if you wait until you no longer have the second residence, you'll have that money to reallocate. However, you want to do that while also maxing retirement, maxing a Roth, saving money, and paying for a kid. And somehow there are still trips and whatnot in there.
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TheHaitian
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Post by TheHaitian on Dec 27, 2014 9:26:57 GMT -5
Your budget is truly magical. At 0%, a $30k loan requires $500/mo to service. I get that if you wait until you no longer have the second residence, you'll have that money to reallocate. However, you want to do that while also maxing retirement, maxing a Roth, saving money, and paying for a kid. And somehow there are still trips and whatnot in there. You always get my budget mixed up with someone else. A) we don't max ROTH, never did and probably won't for awhile B) I will be able to max my 401k for the first time next year. C) guess what will happen in the next 6 months: I move back home. ---> so will no longer be paying rent at $550/month, utilities at $100/month, etc. So basically swapping one bill for another so really not "that" magical".
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swamp
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Post by swamp on Dec 27, 2014 9:46:38 GMT -5
I'd consider a minivan if I could pimp it into a Man-e-van. Captains chairs, fridge, HDTV, WiFi... I feel like everyone runs out and buys a giant bus when they have one kid. It seoems that its not the kid, but the stuff. I know my parents never owned a big car when I and my sister were babies. Sure, its convenient to be able to take your entire "what if" collection everywhere you go. But can you really not leave the house without all that stuff? I guess if you have you two, MIL, Max, and little Etienne and Manon, plus their carriages, your cooler, diaper bags, med kids, and room for purchases, then you need a tour bus to go to the mall. Your budget is truly magical. At 0%, a $30k loan requires $500/mo to service. I get that if you wait until you no longer have the second residence, you'll have that money to reallocate. However, you want to do that while also maxing retirement, maxing a Roth, saving money, and paying for a kid. And somehow there are still trips and whatnot in there. My Honda has a fridge and DVD.
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Blonde Granny
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Post by Blonde Granny on Dec 27, 2014 10:33:19 GMT -5
I was also super, super healthy and in shape when I got pregnant (I ran a PR best half marathon time (1:58) at 4 weeks pregnant) and then developed gestational diabetes, gestational hypertension and pre-eclampsia. I should have had a textbook, super easy pregnancy by how healthy and in shape I was. I didn't. Thank goodness for good insurance and thank God that we both came through okay.
My DH has a truck with "suicide doors" - where you have to open the front door in order to open the back door, not a double cab with a backseat like a sedan - and the car seat fits fine in it.
I bought my Camry two years before I had DD, and I wish I had waited. I'd love to have a mini-van, even though we don't plan on anymore kids. They're just so convenient.
This is the same reason that us old folks drive a large SUV. Easy in/out, I can see over most traffic ahead, loading the back is super easy, and we use it for travel. Many people wouldn't have an SUV, but it's our vehicle of choice. We do have a smaller sedan that gets great MPG and we drive it on local trips and errands.
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8 Bit WWBG
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Post by 8 Bit WWBG on Dec 27, 2014 12:38:46 GMT -5
...:::"You always get my budget mixed up with someone else.":::... No I don't TheHaitian. I very clearly said that if you wait until you no longer have the second residence, that money can be reallocated. Also, in another thread, I thought you stated that maxing a Roth was a goal for next year. I know you took time off retirement savings to save for a house, but I thought you'd also maxed retirement. I do see how my syntax could have been confusing, and I'm sorry for that. It was you who had threads on wanting to save more. You said that you both liked having that big savings balance pre-house purchase and that you wanted to get back to that. You also wanted to get back to more retirement savings, because you want to leverage compounding. You want to have a kid too. I'm not criticizing you. I want a second car very much, and I'd love a 6 cylinder German. I know you think out loud, and that not everything you say is something that you are going to actually do. But I'm clearly not the only one here who sees that some of your thoughts conflict with some of your other stated goals. Either that, or they are setting you up for some very precarious and tight limits. I suppose its also fair to say that sometimes "need" has a way of making money magically appear once you no longer have a choice. How many people here have said that they had no idea how they'd afford daycare, only to find out that when they had to, they could. They have no clue where that money was going before, but its there now. ETA: I bet you wouldn't have thought that $500/mo + commute + expenses was available for a second residence. Maybe that came with the raise.
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Post by foremerlynomadguy on Dec 27, 2014 15:23:51 GMT -5
You stated that you changed out 4 new tires in a year. Sounds like you may have an alignment problem.
When is the last time you had a 4-Wheel alignment on your vehicle? Did they tell yo what the wear patterns looked like on your old tires?
You shouldn't be going through tires that fast if the vehicle is properly aligned.
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TheHaitian
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Post by TheHaitian on Dec 27, 2014 16:45:23 GMT -5
You stated that you changed out 4 new tires in a year. Sounds like you may have an alignment problem. When is the last time you had a 4-Wheel alignment on your vehicle? Did they tell yo what the wear patterns looked like on your old tires? You shouldn't be going through tires that fast if the vehicle is properly aligned. During that time frame I added 45,000 miles on my car I drive 160 miles 2-4 times a week (one way). They checked, I did drive that much... Wasn't alignment issue.
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8 Bit WWBG
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Post by 8 Bit WWBG on Dec 28, 2014 8:15:21 GMT -5
...:::"you can always buy a car, they will keep selling them":::...
Yeah, but they might change the styling for the worst. Total 1st world problem, but if I want a BMW, I now have to buy pre-2011. That "pinched flat front" looks awful to me.
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bobosensei
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Post by bobosensei on Dec 29, 2014 3:48:06 GMT -5
So just to add some fuel to the fire, DH and I are in Lisbon and our rental turned out to be a convertible mini cooper. It is a nice car, but I understand not wanting two or even one car seat in it. There is absolutely no trunk space so it would be hard to get things done. I know he is talking about a car for himself and not his wife, but I imagine if she actually has twins which could easily happen with fertility treatments that she will want a bigger car.
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Deleted
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Post by Deleted on Dec 29, 2014 7:24:37 GMT -5
So just to add some fuel to the fire, DH and I are in Lisbon and our rental turned out to be a convertible mini cooper. It is a nice car, but I understand not wanting two or even one car seat in it. There is absolutely no trunk space so it would be hard to get things done. I know he is talking about a car for himself and not his wife, but I imagine if she actually has twins which could easily happen with fertility treatments that she will want a bigger car. We told him that when he was buying the Cooper, but he said, "It will be FINE for car seats". We'll see!
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Deleted
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Post by Deleted on Dec 29, 2014 7:28:38 GMT -5
They have the 'big mini'...
(Please pay no attention to the oxymoron behind the curtain...)
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TheHaitian
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Post by TheHaitian on Dec 29, 2014 8:28:25 GMT -5
So just to add some fuel to the fire, DH and I are in Lisbon and our rental turned out to be a convertible mini cooper. It is a nice car, but I understand not wanting two or even one car seat in it. There is absolutely no trunk space so it would be hard to get things done. I know he is talking about a car for himself and not his wife, but I imagine if she actually has twins which could easily happen with fertility treatments that she will want a bigger car. Down time at work so I will humor you. You drove this:
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TheHaitian
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Post by TheHaitian on Dec 29, 2014 8:32:53 GMT -5
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Deleted
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Post by Deleted on Dec 29, 2014 8:48:39 GMT -5
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TheHaitian
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Post by TheHaitian on Dec 29, 2014 8:51:20 GMT -5
She's going to want THIS. My wife hates SUV's or driving them so I guess I am sleep well at night But you should definitely buy it
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