How do you afford your modifications?

[Shmacky]

Just wondering how everyone affords to get what they get done to their vehicles?

[XR4TED]

Promise the $20k wedding = get $20k 6.7ltr Stroker engine=:love2:

[turbines4me]

I think, correction KNOW, that it helps if you stay single and work hard, or at the very least, make sure you rule the roost. Unfortunately I don't fit into either of these bloody categories, (except work) but she definitely lets me do what I need to do (express need) to my ute, seeing she drives it aswell. Mind you it took me till I was 32 to find that chick. If your like me you would want everything to be done at once. I work on the elephant/pygmy theory when it comes to mods. A pygmy can eat an elephant, just by nibbling away at it!!! Of course it depends on your employment too. Many years ago when I was younger, I couldnt afford to do it. Now I fly Ag planes for a living, and that allows for some extra cash to head into others accounts, sometimes!! All the best.

[BLACK 346]

Strictly cash here, if I can't afford to pay for it, I don't get
it, simple as that. The next round of mods for me will come
from a little stint of tax free wages and allowances from a
short stint of o/s work.

[NickS]

Strictly cash here, if I can't afford to pay for it, I don't get it, simple as that.
Same here ... cash only. You will never get your money back on mods so cash or nothing.

[fatas]

what is your profesion again nick :confused:

[JimmyVZR8]

Cash only here also.

[Azza]

Cash most of the time.:thumbsup:

[chops]

Agreed.

Work, save, spend. In that order.

[NickS]

what is your profesion again nick :confused:
I work at the mint ... why ??? :confused:

[vh-holden]

i don't do modifications :(

yet :D

[HARMSY]

Cold Hard Cash.......Taking a loan out is asking for trouble, i hate oweing anyone money..

[OUTAtheBloo]

I paid for my cam package through a redraw on my mortage.. Was it a wise thing to do ? hmm dunno, im having a massive amount of fun though ! All my previous mods where saved up money over years of being single.

Dan

[[J]]

Slap it on the creds!! It loves all the attention!!

But normally its no biggie, theres only the odd grand here and there which is relatively easy to pay off.

Sparky

[Smitty]

Just wondering how everyone affords to get what they get done to their vehicles?

...gave up smoking
so $60 a week to play with:burnout:

[Shmacky]

I find that tax return time is very handy. But normally everthing on the credit card. The Banks love me.....

For some reason I can pay off a debt a lot better/quicker than I can save the money. Must be the gambler in me....

Shmacky

[KPWISHN]

I just sneak them on the credit card while I'm at work. Normally a couple of hours later my ears start burning. :flamin:

Then i have to try and explain myself when i get home. :shiner: All worth it though.

[VU_SS_UTE]

Simple for me, im 21 in a good paying job for my age, and im single and still currently live with the folks.

Cash all the way! I think its the 'single' bit which makes it easy lol

[jaykay]

Simple for me, im 21 in a good paying job for my age, and im single and still currently live with the folks.

Cash all the way! I think its the 'single' bit which makes it easy lol
Not wrong. Don't get married and have kids.

No chance then. :argue:

Cash for me when I can squeeze some....

[NickS]

Not wrong. Don't get married and have kids.

No chance then. :argue:
I disagree ... I'm much happier married with kids than I was when I was single :D

I spend more on the cars now than I did then too ... :bravo:

[Blown 454 AWD]

Being a daily drive and company owned car, mods depend on cash flow at the time.

The cost of running company car can be quite a bit.

I sometimes can carry up to 500 kg in the back, of course we had to change a few things to cope with the extra load and they sure do have their problems, lots of repairs are often needed with these sort of loads.

95% of my mods were done under the original lease before I took delivery, bigger brakes, bigger wheels, stronger gearbox etc, etc, was a must with carrying and towing heavier loads, this took care of most issues.

Food for thought.

As for the wife, she say, "you make the $$$, you spend it on what you like, as long as I've got my little cruze, I'm happy" (she would rather drive a vette though, as she keeps telling me)

[OLS108]

I disagree ... I'm much happier married with kids than I was when I was single :D

I spend more on the cars now than I did then too ... :bravo:
Me too !:headbang:

I dont Do Mods, I do Repairs... like oh i think my exhuast has a hole in it... better get a New one,
Is that a Crack in my MAF PIPE and air Box???
oh damm.. OTR and Mafless Tune:woohoo:

and i have just had to replace my Stall converter... damm thing was getting old...:goodtime:

[AnthonyP]

havnt started modding my new ute yet... but i know that cash in hand is a big problem for me and thats why my 4wd hobbie has got me in about 20thou debt with a comp 4wd that isnt even finished yet that i have spent well over 40G on and still need another 7 or 8 Gs to finish it :hmmm:

But i had a shit load of fun wheelin it... sux now not having it ready or drivable... thats wat the new SS ute is for.... take my mind of the not bein able to 4by side of things :D

So yeah short answer to the above - CREDIT :demon:

[JSN85]

Its cash all the way and tax return are mods money to

[ziggycv8z]

My salary package includes a company vehicle, but I have moved into a unit in the city with only 1 car space. so now I get a car allowance of equal value paid to me which goes to the car account. After paying for fuel, rego, insurance, and tyres I have some leftover money for mods.:nyuk: :nyuk:

[TTVYSS]

Cold Hard Cash.......Taking a loan out is asking for trouble, i hate oweing anyone money..

Totally agree......... only cash!!! You cant spend or you shouldnt spend what you dont have! I have two jobs... one being a network engineer,and the other from my PT business. The moneys i get from my PT is cold hard cash... i dont declare it and those is what i use to spend on my car, holidays, etc..

[kayman]

I disagree ... I'm much happier married with kids than I was when I was single :D

I spend more on the cars now than I did then too ... :bravo:

Am i right in saying you have more money now than u did back then?

[A^K^T]

Always cash , if i dont have the spare cash to pay it has to wait .

[Zombee]

CASH ONLY!!!

Buy my cars with cash, do my mods with cash..

Been investing in property since I was 23 and now with my mortgage gone and a very healthy property portfolio cash is the only thing I'd use on a depreciated asset...

Cheers
Zombee:)

[NickS]

Am i right in saying you have more money now than u did back then?
Yep ... just a bit :burnout:

[NickS]

Totally agree......... only cash!!! You cant spend or you shouldnt spend what you dont have! I have two jobs... one being a network engineer,and the other from my PT business. The moneys i get from my PT is cold hard cash... i dont declare it and those is what i use to spend on my car, holidays, etc..
Your identity isn't exactly a secret and this is a public forum ... I probably wouldn't be so detailed with information about your earnings and what you do with them.

Just a friendly tip, nothing more ...

[Jargle]

Me too !:headbang:

I dont Do Mods, I do Repairs... like oh i think my exhuast has a hole in it... better get a New one,
Is that a Crack in my MAF PIPE and air Box???
oh damm.. OTR and Mafless Tune:woohoo:

and i have just had to replace my Stall converter... damm thing was getting old...:goodtime:

OLS108 I like your thinking, in fact I've done a bit of that myself occasionally especially mods that can be done in a day when I have the odd free one to myself:headbang: .

[throttlehappy]

Been investing in property since I was 23 and now with my mortgage gone and a very healthy property portfolio cash is the only thing I'd use on a depreciated asset...

Cheers
Zombee:)

im a cash man :diddy:
what did you invest in? land, house?
got any advice for a young bloke

[Speedie]

My mods are considered repairs, Dirty air filter needs to be replaced bought a K & N bigger outlay but saves money over time. Clutch went got a lightened billet steel flywheel and HD clutch for the same price as standard holden product. Racing harnesses went in cause belts are getting old and fraying. Put it on the credit card and have 3 months to pay it off with 1% interest. But keep the limit low on the card not to go overboard (very easy to do).

[gollum]

http://i80.photobucket.com/albums/j173/tcbinc/heathcote2006FBoost.jpg

The mods are subject to a $ 4 $ deal with the minister for war and finance !!.........pretty much, she got a new kitchen ( nothing wrong with the old one....pot belly stoves are " rustic " ) :hide:

[Super Snake]

I also pay cash. I also have a part time job. It is my pocket money job. Whatever I earn there, I can get whatever I need for the time.
At the moment, I am saving for some mods to the Monaro.
But also, I treat the kids with some great birthday and christmas gifts and treat the wife with a weekend in the country.

But I have also done well in buying and selling property. Because of this I was able to have purchase my Monaro and my other cars.

[LS1Grange]

wait till pay day....take out money for bills and necessities(excluding car mods) then if anything left over save it until its enough to do a mod. Cash Cash Cash no cheques, no credit cards...just cash.

[Zombee]

Originally Posted by Zombee
Been investing in property since I was 23 and now with my mortgage gone and a very healthy property portfolio cash is the only thing I'd use on a depreciated asset...

Cheers
Zombee


im a cash man
what did you invest in? land, house?
got any advice for a young bloke

Hey Throttlehappy,

I started investing in shares, then moved into residential property. Now, 9 years later (I'm 32) my investments include residential property, commercial property and developments. I've moved away from the share market - but that is not to say there are good gains to be had there - I made a very healthy profit from the shares when i was starting to invest.

My advice to you is to get your 'mindset' right - I know that sounds like wank, but the more you get investing into your perspective and the goals you want to achieve the easier it will become. You will need to do the hard yards though, I used to cry when my dream cars would be cruising by me on the road when I was driving a sh&tbox, but I would say "it will be worth it mate..." Now I'm the one driving my dream wheels...no debts....awesome..

The earlier you start to invest the better mate.. Seriously, if you reckon you can forgoe the hot cars now it will pay off..:)

Cheers
Zombee:)

[MADGEN]

yeah cash only just save

[gaz vyss]

haven't moded yet !! but its a comin... its a comin... cause I just sold one of my properties. Decisions, decisions, decisions... its soo damn hard

Gaz

[SS_Brute]

I wish that i could say cash all the way, but I get a little carried away. My ute is part of a machinery investment I have (thanks to a very understanding broker) and a combination of being single, a good paying job and doing time in the family business after hours pays for cash mods and personal debt repayments.

I am not afraid to admit that i have used credit but my other circumstances keeps the situation stable, I dont wish for an empire yet just a nice car and financial stability.

[LSavvy]

I use cash, any overtime goes towords mods or house loan payments,
When the Mrs asks how much tell them it was 30% of the actual cost, try to keep a straight face and get away with it.
You know how it is if theres extra cash "i want a new stove" etc
I don't try to do everything at once either, over time you can save the money and do it and it gives you plenty of time for research and deciding

[zozza]

howdy all!:D

cash certainly is the best way to pay for most things. that is why once every few months my mates and myself enjoy watching Armaguard vans at particular locations. arrival and departure times, procedures, personnel etc...

only kidding!! i'm just a plain old sparky by trade. i work for the man 5 days a week do my own jobs on the weekends and every now and again recyle some copper ($5.00 per kg). my wage pretty much gets eaten up on mortgage, bills etc. but i tell you what, put in a few good weekends and the modification fund starts looking good.

i've currently got enough money for my gen tt kit:banana: but the extra 3 or 4 gorillas i'm gonna need soon for tune, injectors, exhaust etc. has got me giving my credit card funny looks:hmmm: might be an option 'cos i don't rekon i can sit there looking at the kit, as opposed to enjoying it!!!:driving:

in summary, as long as there is beer in the fridge and enough rubber on the rear, i is a happy chappy:thumbsup: (in no way condoning drink driving)

cheers

zozza

[SLugg]

Me too !:headbang:

I dont Do Mods, I do Repairs... like oh i think my exhuast has a hole in it... better get a New one,
Is that a Crack in my MAF PIPE and air Box???
oh damm.. OTR and Mafless Tune:woohoo:

and i have just had to replace my Stall converter... damm thing was getting old...:goodtime:

lol rings true for me too , ooops darling I drove over a large rock now I need to replace the damm exhaust , bloody plugs have gone so Ill probably have to replace cam as well darn bad luck (my missus knows zilch about cars :girl: thanks you thank you) ........of course I have my own business so some money misses out on going to accountant...:evil:

[Tron2004]

I work at the mint ... why ??? :confused:
Arrh... just as I thought !!! :nyuk:

[badnews]

Simple for me, im 21 in a good paying job for my age, and im single and still currently live with the folks.

Cash all the way! I think its the 'single' bit which makes it easy lol

yep, living at home is great, also raid the fridge before goin to work to make sure i dont have to waste money on stupid things like buying food :thumbsup:

[Tron2004]

The mods are subject to a $ 4 $ deal with the minister for war and finance !!.........pretty much, she got a new kitchen ( nothing wrong with the old one....pot belly stoves are " rustic " ) :hide:
Yup, this pretty much sums up my situation too.
Mods cost me twice as much but hey, keeps everyone happy. :flip3:

[Vulture]

QLD Health is currently being very kind to me with this locum work. get paid quadruple for about half the work:goodtime:So I figure I am 8 times better off? Bring on the mods.

[BLACK 346]

yep, living at home is great, also raid the fridge before goin to work to make sure i dont have to waste money on stupid things like buying food :thumbsup:

If my kids turn out like you 2 and are still spongin off me at that age,
I will move house and change my identity whilst they are at work :yup: lol

[VU_SS_UTE]

Im still paying! But its just cheaper than renting which is dead money.

I think its more the 'single' side of things which leaves free cash

[Jargle]

If my kids turn out like you 2 and are still spongin off me at that age,
I will move house and change my identity whilst they are at work :yup: lol

times have changed they don't want to leave home now, mum keeps looking after them as always while they party I guess it's a tough life.:lmao:

[brettarmst]

I take out an extra $20 or $50 when I fill up the half empty car and then put it in a different bank account that I "forgot" to tell the missus about. She looks at the bank statement, complains about the price of petrol and when there is enough cash I get my mods.

[KiWi]

Lots of Overtime, and sacrificing, i gave up smoking for a while, and drinking cut down by over half, I did save up 4.5k for a engagement ring all of last year, but i dont need it anymore, so thats going towards my new engine, i busted my ass to save it, all for nothing LOL :shock:

[QIKMIK]

Originally Posted by OLS108
Me too !

I dont Do Mods, I do Repairs... like oh i think my exhuast has a hole in it... better get a New one,
Is that a Crack in my MAF PIPE and air Box???
oh damm.. OTR and Mafless Tune

and i have just had to replace my Stall converter... damm thing was getting old...


Originally Posted by Jargle

OLS108 I like your thinking, in fact I've done a bit of that myself occasionally especially mods that can be done in a day when I have the odd free one to myself .

That's the boat I'm in. Getting camber kit, adjustable radius rod bushes and possibly new front shocks at tax time. Just got a new power steering pump and I had the gearbox rebuilt last year (that sort of needed it).

Kids + tax time = $$$

Mick

[kane_tools]

Me too !:headbang:

I dont Do Mods, I do Repairs... like oh i think my exhuast has a hole in it... better get a New one,
Is that a Crack in my MAF PIPE and air Box???
oh damm.. OTR and Mafless Tune:woohoo:

and i have just had to replace my Stall converter... damm thing was getting old...:goodtime:


I wish my wife was that naive!!!!

[throttlehappy]

Hey Throttlehappy,

I started investing in shares, then moved into residential property. Now, 9 years later (I'm 32) my investments include residential property, commercial property and developments. I've moved away from the share market - but that is not to say there are good gains to be had there - I made a very healthy profit from the shares when i was starting to invest.

My advice to you is to get your 'mindset' right - I know that sounds like wank, but the more you get investing into your perspective and the goals you want to achieve the easier it will become. You will need to do the hard yards though, I used to cry when my dream cars would be cruising by me on the road when I was driving a sh&tbox, but I would say "it will be worth it mate..." Now I'm the one driving my dream wheels...no debts....awesome..

The earlier you start to invest the better mate.. Seriously, if you reckon you can forgoe the hot cars now it will pay off..:)

Cheers
Zombee:)

:cool: thanx for the advice
i thought about shares a while back but never did anything about it. im not really ready for a house yet but ive been thinking about a block of land alot lately. dont know about forgoing the cars though :burnout:
its very hard :doh:

sorry to get off topic guys

[Hairybear]

Good ole credit!! Totally irresponsible!!!

[JezzaB]

Where was the "Sell Drugs" option?

Just joshing!

I usually pay cash for most things but used cash and some credit to get the blower.

Jez

[Speedy Gonzales]

Every cent earned poured into investments and the returns allows for toys.

[Vulture]

I take out an extra $20 or $50 when I fill up the half empty car and then put it in a different bank account that I "forgot" to tell the missus about. She looks at the bank statement, complains about the price of petrol and when there is enough cash I get my mods.

May I say, that is simply brilliant

[monaroCountry1]

Cash most of the time.

Id hate to ask the OTHER ways you repay your mechanic ;););) j/k.

For me cash ALWAYS. I refuse to use or even get a credit card and can usually keep track of my $$$$$ when im actually holding it.

Right now every mod $$$$$ going on buying a new unit. Also got sick and tired of modding the 300zxTT and dumping in $$$$k just to get stranded at the side of the road the next week. Back to driving the commie to work :):).

[vyssls1]

Not wrong. Don't get married and have kids.

No chance then. :argue:

Cash for me when I can squeeze some....


kids atually come in handy, when i drive i dont speed or do anything naughty, so i save money..

but dont get married, so much cash for a 1 day event, if you sleep with them, roooot them, and they cook you dinner no point getting married.

but she did say, if she got a boob job, i got to do some mods on the car, she didnt say how much i could spend, what she doesnt know wont hurt...

modifications come from hard earned cash, all my homies go towards the car, and toys. and being in the trade its easier, and cheaper.

IMO, cash is the only way to go, but credit could come in handy, if your smart with it and dont go over board.

[KiWi]

Marriage is overated, been burnt once, never again.

Cars are easier, dont have to pour your heart and soul into your car, and try to make up for things, to no avail.

cars are my new love.

[DaveHAT]

Just wondering how everyone affords to get what they get done to their vehicles?

Easy, car re-birthing. :yup:

Good $$$ to be made there and hence cash for the Mods you want. :)

[Bandit]

smart financial planning and ensuring you have enough funds to live off

yes car mods are expensive but then can be managed as long as you are able to be smart about it..

mainly cash or credit card....

Use all the 6months interest free options some of the credit cards offer that way you have time to save and repay

[klink]

I found that not drinking alcohol worked for me, Can't wait to give up smoking.

As if you drink you cant enjoy your toys in the long run your luck will run out. and nothing worse than having your pride and joy sitting there and you cant enjoy it.

Plus having a good accountant helps.

[vt350phantom]

Go the plastic I say, but pay it off before they slug u interest of course!

I have a baby and a wife who doesn't work and a f**cking huge mortgage but I still find a few bucks for the 'ol VT!!!

[Sugaris]

ummmmmm for me cash!!!

if ya got loads of cash yes!!!

if ya can't pay cash you should take a good long hard look at yourself and ask yourself this question.... can i really afford this?

if the answer is no well then step away for the car and spend it on your family( eg KIDS, WIFE) or don't spend it at all... (that's called saving!?!)

if your 18 do what you want because us oldies don't know nothing!!

If you really really really really really want that engine upgrade or that exhaust or what ever it is put a little bit of money away every pay day until you save the amount you need. SIMPLE!!!

then you still have money to enjoy your life... get on the piss with your mates, go clubbing, pay your rent and put fuel into your beast!!!

ok... ok... dad that's enough on that subject...:kapow: