Do any companies do this?

 

The credit card companies.

 

if you don't have the money, don't buy it. its not worth going into debt.

 

No, the thing is ive got a nice chunk of money saved up, but id rather spend it little by little then all up front, if that makes any sense

 

I'd go w/ xizor on that one. If you have the dough, just buy what you want/ need, otherwise, while you're saving more money for more mods, put it into a CD or savings account and draw some interest on it while it's sitting around.
I put money aside and pretty much bought all my mods at once, or at least purchased them and then installed at once. Don't rush into a project that will turn out half ass. Just my .02, but it's your money!

 

thanks, it's just that i basically have my $$ ready for the exhaust(comptech) and the install, but its just such a large chunk, but i guess it's the way to do it.

 

you should just install it yourself....it is not hard at all.

 

Heh, id rather not, im not the hands on type of guy when it comes to the auto installs.

 

ohhh, ok.

 

gotta start somewhere, give it a shot. very easy install from what i've seen

 

I learned the hard way from personal experience, DO NOT go into debt or "finance" things on plastic.

 

Yeah, it's super easy. The hardest part is removing the rubber hangers, which is really easy if you spray them with WD40.

 

What is the average interest rate on carrying a balence from month to month?

 

That depends on the bank that issued the CC. Interest rates vary but I had some 20% and higher. CC are the devil, IMO

 

Don't start getting to debt at such young age. Don't buy anything with the plastic if you can't pay for it in full when the bill comes. As far as doing things yourself, I would recommend invest a little in somes tools, which will allow you to perform many of the normal mods without any problems. Here is a place you will find just about anything you will ever need to work on your car.

 

holy god....I knew it was alot, but wow. Eff that!

 

If you feel uncomfortable about dropping the amount of cash for an exhaust + labor, it shows that you have a good start to being financially aware. Listen to what JTso and cmf are saying: they have a lot of aftermarket install experience and their advice is always helpful.

 

I paid for my car, and all of it's mods in cash. (now to cover the next question...I worked as a L2 Network Admin for about 2.5 years for a rather large company.) My point is that once you do something like that two things happen: 1. You have tremendous Pride of Ownership. and 2. You learn how fast money comes and goes...and therefore the value of it. Sorry if it sounds like I am trying to fit in with the 30 year olds but in someways, I do.

 

Heh, I'd do that to my credit cards, but I won't be able to live. It's not that I overspend, I just hate carrying cash.

iamhomin, who's a bit too dependent on his plastic.

 

I hate carrying cash too. I use AMEX exclusively so I have to pay the balance off immediately when the monthly statement arrives. As for the traditional CC, all I have is a debit card. I refuse to go into debt on plastic again.

 

donno abt the states .. ~~ but in Canada Audio&Vedio let ppl finance their car audio parts .. ~~

 

On second thought you can make payments if you buy stuff on eBay

 

I learned the hard way.. After 4.5 yrs of college, I was close to $5,000 in debt... It took me a few years to pay that bitch off!!

In my mind, CC companies are teh .

 

I dont plan on going into debt, im fiscally sound and plan to stay that way, it was just an option i wanted an opinion on. Thanks again.

 

Use debit cards then.

 

I don't think credit cards are necessarily a bad thing, but you have to be smart about how you use them. I use credit cards when I want to defer payment for a month and I hate carrying cash (I'm one of those people who if I have cash, I'll spend it). As long as you're smart about not spending too much money (and I keep really really low credit limits on all my cards) you should be fine.