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After 5 Years. . .

Post in 'The Gear' started by Bigg_Redd, Oct 20, 2012.

  1. Bigg_Redd

    Bigg_Redd Minister of Fire

    Joined:
    Oct 19, 2008
    Messages:
    3,965
    Loc:
    Shelton, WA
    . . . $15,000, and a $3500 injector pump, my truck (1999 Dodge 3500 CTD 4x4) is finally paid off.

    That is all.
    Shadow&Flame, ScotO, Dairyman and 3 others like this.

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  2. Gark

    Gark Minister of Fire

    Joined:
    Jan 27, 2007
    Messages:
    808
    Loc:
    SW Michigan
    May your Dodge "keep on truckin' until it fits the category of "A good tool pays for itself". It's all free from here on out (except the cost of fuel). Congrats on getting it payed off...
  3. pyronut

    pyronut Member

    Joined:
    Apr 5, 2011
    Messages:
    139
    Loc:
    El paso, TX
    Congrats
  4. MasterMech

    MasterMech Guest

    Kinda nice to really "own" them ain't it? ;)
  5. Bigg_Redd

    Bigg_Redd Minister of Fire

    Joined:
    Oct 19, 2008
    Messages:
    3,965
    Loc:
    Shelton, WA
    The nicest part is the $300 payment and $70 per month in insurance I will now keep in my pocket.
    ScotO and Thistle like this.
  6. smokinj

    smokinj Minister of Fire

    Joined:
    Aug 11, 2008
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    15,972
    Loc:
    Anderson, Indiana
    Pay everthing off! Easier said than done but its the only way out....
    rkshed, ScotO and Thistle like this.
  7. Thistle

    Thistle Minister of Fire

    Joined:
    Dec 16, 2010
    Messages:
    4,206
    Loc:
    Central IA
    No credit cards here,finally paid them off 4 yrs ago & cut them up.Never will I have another one.If I cant save for it or pay it off within 90 days,I dont need it.
    Shadow&Flame, rkshed, ScotO and 3 others like this.
  8. smokinj

    smokinj Minister of Fire

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    Aug 11, 2008
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    Loc:
    Anderson, Indiana
    I still have my house payments and Insurane gas and eletric. Even the food bill has been knock down next to nothing. :)
    ScotO likes this.
  9. Thistle

    Thistle Minister of Fire

    Joined:
    Dec 16, 2010
    Messages:
    4,206
    Loc:
    Central IA
    Yup some things you have to pay for,sure makes it easier when the frills are cut out....
    ScotO likes this.
  10. smokinj

    smokinj Minister of Fire

    Joined:
    Aug 11, 2008
    Messages:
    15,972
    Loc:
    Anderson, Indiana

    lol, I not even taken a vaccation in 6 years. Hunting trip for the first time next month......I still have 3 weeks vacction time this year.lol
  11. jeff_t

    jeff_t Minister of Fire

    Joined:
    Sep 14, 2008
    Messages:
    3,764
    Loc:
    SE MI
    That's like, six new chainsaws every year.
  12. fossil

    fossil Accidental Moderator Staff Member

    Joined:
    Sep 30, 2007
    Messages:
    10,321
    Loc:
    Bend, OR
    Time to go new truck shopping. It's the American way.
    MasterMech likes this.
  13. Dairyman

    Dairyman Feeling the Heat

    Joined:
    Nov 15, 2011
    Messages:
    466
    Loc:
    Southwest MO
    Way to go B R!
  14. Gasifier

    Gasifier Minister of Fire

    Joined:
    Apr 25, 2011
    Messages:
    3,142
    Loc:
    St. Lawrence River Valley, N.Y.
    Nice Bigg Redd. Always cool to be without a vehicle payment. Good for you man.
  15. Bigg_Redd

    Bigg_Redd Minister of Fire

    Joined:
    Oct 19, 2008
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    3,965
    Loc:
    Shelton, WA
    I bought this truck when I was 32. It was, and remains, the only vehicle on which I've carried a note. My car. . . after 13 years and 265,000+ miles will soon need a replacement. Sadface.
  16. rkshed

    rkshed Feeling the Heat

    Joined:
    Jan 15, 2012
    Messages:
    263
    Loc:
    NH
    Congrats!
    Great feeling isn't is?
    In NH we can go without insurance too which would save us $100 per month. As much as I dislike auto insurance, I just know the second I drop it, Some putz will blow a stoplight while texting and drinking his cup of coffee.
  17. nate379

    nate379 Guest

    Mine (98.5) is getting long in the tooth. Put a pump in it this summer. Cost about 1600$ from Industrial Injection

    Getting to the point I don't like to take it far. Seems like its one thing after another. Only has 235,000 on it too. My 95 that I sold had almost 400,000.
  18. Backroads

    Backroads Feeling the Heat

    Joined:
    Jun 19, 2008
    Messages:
    311
    Loc:
    Richmond, RI
    Small piece of advice. I bought my truck new in '03. It was paid off before it was 3yrs old. At 5 years old I had the misfortune of falling asleep on my way home from work. Even though the truck was paid for I kept full coverage on it.

    Vehicle Damage: $12,750
    Telephone Pole Replacement: $13,200

    My total out of pocket expense....$500. I'll tell you this. People used to think I was crazy for keeping full coverage, I will NEVER go without it after that morning. It's only a couple bucks a day but let me tell you, if you need it...it's a whole lot better if it's there than if it's not.
  19. mywaynow

    mywaynow Minister of Fire

    Joined:
    Dec 13, 2010
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    1,369
    Loc:
    Northeast
    I have a "spare" truck that is not used often at all. I added that to my policy with another vehicles under "storage" insurance- covers damage from fire/storms etc and theft. Total premium went down. Go figure. Multi-car discount.
  20. Pallet Pete

    Pallet Pete Guest

    Good job BR that's one of the best feelings in the world. Paid off our vehicle 01 blazer 4 and our 98 s10 6 years ago and have not looked back. There isn't much in this world that could drag me kickin and screaming back into a car payment. Hopefully in a few years it will look good still and run well for you.

    Good job
    Pete
  21. DexterDay

    DexterDay Guest

    I bought a new 99 Ford Ranger 4x4 ext cab (loaded / $25,000). I almost didnt get there "Gap" insurance (Ford pays what insurance wont).

    It was $16 extra a month. Well, I got it. Thank God. I only made one payment in Nov of 1999 and I rolled and totaled the truck after 1 month (under 1,500 miles on the odometer). State Farm was only gonna pay for $17,500 (even though I just bought it for $25,000) and Ford picked up the remaining $8,000 with only one little payment. I get the "Gap" insurance all the time now.

    Good job B R... Feels good to own your chit. My F-1 has paid paid off for over 5 yrs. Tempting to not by a new rig (need a 3/4 or 1 ton diesel) :)
  22. Bigg_Redd

    Bigg_Redd Minister of Fire

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    3,965
    Loc:
    Shelton, WA

    Meh. . . I've got pretty high liability coverage, which I will keep, but I'm not spending an extra $70 per month for the rest of my life for full coverage.
  23. simple.serf

    simple.serf Feeling the Heat

    Joined:
    Dec 7, 2011
    Messages:
    283
    Loc:
    Sherman, NY
    The only thing we owe on is the house. I refuse to buy anything with money that isn't mine (could have done the house too, but it's a long story).

    Congrats!
  24. Danno77

    Danno77 Minister of Fire

    Joined:
    Oct 27, 2008
    Messages:
    5,007
    Loc:
    Hamilton, IL
    CTD should be good for around a million miles. Love my 97 Ram, wish it was diesel, though.
  25. Backroads

    Backroads Feeling the Heat

    Joined:
    Jun 19, 2008
    Messages:
    311
    Loc:
    Richmond, RI
    Yeah...it's a 99 so the replacement value really isn't there anyways. The INS Co would most likely total it before they fixed it. I should of added anything less than 10years old.

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