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04-05-2002, 05:11 PM
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#1 |
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Registered User
Join Date: Nov 2000
Location: Bay City, MI, USA
Posts: 452
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I have a dilemma
Ok, So I got my tax return back, 822 dollars worth, not a ton, but the biggest return I ever had since I am only 22 and my parents used to claim me every year until now, anyhow, the problem is, do I put the money towards disk brake conversion and lowering springs or do I put towards my 1600 dollar cc debt??? Any suggestions??
 Ean ------------------ 67 Chevy C-10 LWB, 327 bored 30 over, edelbrock performer RPM heads-cam-intake, Edelbrock 750cfm carb, headers, flowmaster 50 series, 2 1/2 inch dual exhaust, 3 on the tree 2001 Grand Prix GTP, bright red, 2 door, loaded and pretty damn fast too 1999 SeaDoo XP Limited 130hp, it gets up and moves!!! My Site
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1999 Silverado Ext Cab Short Box Z71 2006 Trailblazer (wifes) 2 '04 KFX400's My Site |
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04-05-2002, 05:15 PM
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#2 |
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Senior Member
 
Join Date: Jun 2000
Location: Texan in Iowa
Posts: 2,522
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The fact that you're asking shows you probably know the right answer. Whittling away that CC debt will get you further "down the road" towards being able to spend all your extra money on yur '67. It's not as fun right now, but you'll be glad you did. Take it from a 26 year-old who was there.
------------------ '67 Chevy C20 Custom Camper 327/TH400/4.57 '92 Chevy K1500 XCab LWB 350/NV4500/3.73 Aggieland, TX
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Ben '68 Chevy C10 Custom LWB 327/TH400 2nd owner '16 GMC Sierra 1500 SLE Dblcab 4wd 5.3 |
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04-05-2002, 05:22 PM
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#3 |
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Senior Moment
Join Date: Mar 2002
Location: Pittsburg Ca
Posts: 4,091
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Pay off the card you will not regret it. The brakes and stuff will still be there later. Use CASH, It took me awhile but I'm 47 and debit FREE, with exception of my house
------------------ Steve's 70 CST Soon to have a BB
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1970 CST LS 1 6 speed Ford 9 inch Detroit Tru Track, Dakota Didgital, Vintage Air, QA1 Coil Overs Front & Rear Lots of FUN 2013 GMC PU, Oldest Son 71 GMC LWB. QA1 Suspension, Angry SB. Youngest Son 2019 GMC Diesil Dually. Youngest Son 2017 Toyota SUV Daughters car 2018 Traverse , Wife’s Ride Pittsburg Ca 94565 |
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04-05-2002, 05:25 PM
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#4 |
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Formerly yellow72custom
Join Date: May 2001
Location: Austin, TX
Posts: 7,531
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Well, i dont have a clue what a CC debt is, but i would definetly pay it off first. Then, if you run into some trouble later (loosing your job, unexpected expenses, who knows) you wont have a bill to pay off. Then, you can sink more money into your '67
.------------------ Lucas "Another proud owner of one of the coolest trucks ever built" drop_shift@hotmail.com My Daily-Driver: '72 Chevy LWB Custom/10. Rebuilt 350, 300 HP thanks to a few go-fast goodies. Ochre with a white top. Future plans include TBI fuel injection, a 700R4 tranny, and possibly some 3.73 rear gears.
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'72 Chevy C10 Mild 350/TH350/3.07. Ochre/White. Old high school ride. '70 GMC C2500 '62 327 4bbl/SM465/4.56-geared Dana 60. White/White. Project or parts truck. '97 Saturn SL DD. 1.9/5-speed. 40+ highway mpg |
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04-05-2002, 05:26 PM
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#5 |
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Formerly yellow72custom
Join Date: May 2001
Location: Austin, TX
Posts: 7,531
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Duh, it stands for Credit Card.....i can be a moron some times, lol......
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'72 Chevy C10 Mild 350/TH350/3.07. Ochre/White. Old high school ride. '70 GMC C2500 '62 327 4bbl/SM465/4.56-geared Dana 60. White/White. Project or parts truck. '97 Saturn SL DD. 1.9/5-speed. 40+ highway mpg |
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04-05-2002, 05:28 PM
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#6 |
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Almost Satisfied
 
Join Date: Mar 2002
Location: Springfield, MO
Posts: 2,932
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Without a doubt pay the card! My Grandfather always told me there are two things you need in life. A good name, and good credit! You will feel better and in time you will not only have your truck done, you will be debt free.
Just don't pay on the card and turn around and charge your parts back on it! Pay it off and cut it up. Get yourself and American Express that forces you to pay it off every month. Or just a debit card. Good luck and you are very mature to stop and ask for advice. ------------------ 2001 GMC 2500HD Crew Cab Duramax, Allison, 4WD, Love it 1971 Chevrolet 1/2 ton 2WD Short/Step Side. In process of frame off restoration
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1971 C10 Stepside. LSx 6.0 with BTR Stage IV, Speed Engineering Headers, 4L80e transmission w/3200 Circle-D Stall. 3.73. Posi. Purchased this truck when I was 17. I started the rebuild (or take apart) in 1993. I have drug it around all over the country in pieces. Finally back on the road in 2021. "I can't complain, but sometimes I still do. Life's been good to me so far." |
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04-05-2002, 05:29 PM
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#7 |
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Registered User
Join Date: Nov 2000
Location: Bay City, MI, USA
Posts: 452
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Thanks for the info guys, that's what I thought. Just wanted some reassurance since I hate neglecting the truck LOL
Well, thanks again Ean
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1999 Silverado Ext Cab Short Box Z71 2006 Trailblazer (wifes) 2 '04 KFX400's My Site |
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04-05-2002, 05:49 PM
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#8 |
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72 Cheyenne
Join Date: Oct 2001
Location: San Diego
Posts: 2,086
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Buy something small for the truck, some Bezels or a new chrome part for the engine, something around $100 and put the rest to the card, that's what I would do.
------------------ 72 Cheyenne C20 Built 350/T350 AC/PS/PB/AT San Diego, CA Pics of My Truck <A HREF="http://photos.yahoo.com/bc/aikidojiujitsu/lst?.dir=/Chevy+Cheyenne+C20&.src= ph&.last=1" TARGET=_blank>http://photos.yahoo.com/bc/aikidojiujitsu/lst?.dir=/Chevy+Cheyenne+C20&.src= ph&.last=1</A> |
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04-05-2002, 06:09 PM
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#9 |
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Saving 1 truck at a time!
Join Date: Aug 2001
Location: Kent, WA
Posts: 6,465
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Just from the interest on you are paying monthly on credit card debt (20%+) you could be buying truck parts...pay off the credit card first!
The swap meets are great for parts...still kicking myself for passing up two rust free doors for $25 each! Take your time on your truck and enjoy the journey not just the finish line!
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'68 C20 Longhorn 50th Anniversary 400/TH400 '68 C20 Longhorn 50th Anniversary 468/TH400w/buckets '72 C20 Halfhorn (Longhorn w/o cab and front clip) '69 Flxible Cruiser (look up ugly in the dictionary) |
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04-05-2002, 06:36 PM
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#10 |
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Open Sundays 10 till 10
Join Date: Nov 2000
Location: Waxahachie,Texas 75165
Posts: 1,009
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credit cards are evil
Cash is good nuff said.
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817-846-5476 parts for sale always 30 minutes south of Dallas on I35 WWW.BBSAutoSalvage.com bbs1969@direcway.com |
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04-05-2002, 06:38 PM
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#11 |
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Registered User
Join Date: Oct 2000
Location: From Chicago, Live in Phoenix, AZ
Posts: 6,802
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Credit card
------------------ Check out other members trucks 1968 50th Anniversary C-10 Suburban (Tows all these cars all over the place) 1968 50th Anniversary C-10 Pickup 1968 50th Anniversary C-20 Pickup CST 1969 SS Camaro Conv't 2000 Chevy Malibu (Suppose to be daily driver, but the Burb is) Phoenix, AZ. Click Here for Parts and Venicles I have Available THINGS I AM LOOKING FOR: 67-68 SUBURBAN TRIM. $$$$ Reward for finding the 3rd door trim piece and the small piece that goes on the 1/4 panel right behind the 3rd door.
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Just sitting here contemplating contemplation. |
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04-05-2002, 06:47 PM
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#12 |
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Psycho-billy Member
Join Date: Jul 2001
Location: about 40 miles west of Cleveland, Ohio
Posts: 2,591
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pay the card off......it took me two consolidation loans before i learned my lesson. It's hard to believe how much money you actually have with out those bills. you'll save money in the long run if you pay it off.
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'72 C-10 350 w/Lunati Voodoo cam (207*/213*, .437/.454), Performer intake, 625 Road Demon Jr. and Hooker headers. Support your community, support yourself. Buy local, buy American  (or Canadian).
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04-05-2002, 08:31 PM
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#14 |
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I am a Referee of life.
Join Date: Jun 2000
Location: Greensboro N.C.
Posts: 13,993
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Pay most on the card but use a littlwe and start a saving account for the truck.Just don't spend the savings on the truck until you have paid the card completely off.This way you can work at 2 goals at once.You will also realize that your savings will grow faster if you put the same in it as you pay toward the card.One trip of saving to reach a goal like these and you will see that you don't have to wait as long to save it as you do to pay it off.
------------------ Deland does Chevys 68Chevy panel(LIZ) "A man and his truck,it's a beautiful thing" "I have the body of a god,unfortunately it's Budda"
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The 47-present Chevrolet and GMC Truck Message Board Network,it's owners,moderators,members,and associates of any type should not be held responsible for my opinion. You can't fix stupid,not even with duct tape. "My appearance is due to the fact that "GOD" does punish you for having too much fun!" Barrett-Jackson has perfected alchemy,they make rust into gold! "You can lead a horse to water but you can't saddle a duck" "Cleverly disguised as a 'Responsible Adult' "Sometimes your Knight in shining armor is just a retard in tinfoil" |
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04-05-2002, 08:39 PM
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#15 |
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Collector of rusty Items
Join Date: Dec 2001
Location: Sisters,Oregon USA
Posts: 731
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I say take it to the dog track and bet the whole mess on the dog that does his business just before the race...
My wife is chasing me with a butcher knife.. Whew.. Ah, the credit card, do the credit card. yes dear I have to go ------------------ Scrub 70 GMC 1,000,000 + miles 72 K-20 project, 456 Dana60 front, Corp14 rear w/locker, 265R19.5 tires 20-ply. Warn 12k winches both ends, Cross-over steering with raised tie-rod, Powerbox steering, 4500 watt 120-AC power, Air, Hydraulic aux power, 4 inch lift, 5000 lb air-bags both ends.
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Scrub Sisters, Oregon - Home of the Sisters Rodeo. 70 GMC 1,000,000 + miles 72 K-20 project, 456 Dana60 front, Corp14 rear w/locker, 265R19.5 tires 20-ply. Warn 12k winches both ends, Cross-over steering with raised tie-rod, Powerbox steering, 4500 watt 120-AC power, Air, Hydraulic aux power, 4 inch lift, 5000 lb air-bags both ends. |
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04-05-2002, 08:43 PM
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#16 |
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Senior Member
 
Join Date: Dec 1999
Location: Darrington, Washington
Posts: 3,963
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Put $600 towards the card and still do a DB conversion front clips in yards around here i get for as little as $50,then go buy all new brake parts,put it all on your truck.run 5 lug in the front and 6 in the rear,thatd outta be different-then just make sure you have a spare fo both.Try to run the same kind of rims,or hubcaps to hide that.Come down to AZ and ill sell you a 5 lug DB Front suspension(crossmember and all)still all attached,not mis matched pieces,and a 5 lug coil rearend for $100,but if your truck gets under 10 mpg like mine,probably cost you more in long run.Pay the credit card,its very important to have good credit,buying a car,getting a lone,a house.wouldnt ya like to know in your head your already approved instead of wondering if those old CC things will show up and get you denied.That would plain suck
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04-05-2002, 11:56 PM
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#17 |
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Registered User
Join Date: May 2000
Location: Brooklyn,,md.
Posts: 68
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RUN UP THE CARD MAX IT OUT ALL THE WAY YOUR TRUCK WILL BE FIXED THE WAY YOU WANT IT THEN YOU WILL ALWAYS HAVE A REIABLE RIDE TO WORK SO YOU CAN PAY THE CARD OFF.THE ARABS COULD BLOW US ALL UP TOMMOROW LIVE FOR NOW.!
------------------ 67 lwb fleet 327 3speed on floor. small window Brooklyn,Maryland
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67 fleet 327cu.small window hope to grow up 1 day and be a big block im still in red primer.my owner lives in raven territory. BALTMORE,MD |
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04-06-2002, 02:48 AM
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#18 |
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Recovering Truck Driver
Join Date: Mar 2002
Location: Orleans, NE USA
Posts: 1,883
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pay off the card, the intrest on those things will eat you alive, i'm putting all 2500 of my refund to credit card and medical bills, p!sses me off, too!! My truck needs new tires bad, I guess Buck will just have to wait....sigh
------------------ '72 Chevy 1/2T 4x4 shortbox stepside 350/350auto on '84 ralleys and 31/10.5s 67 Cutlass convertible 330, 3spd stick 90 GMC Jimmy 350/auto Chad Stephens Orleans,NE
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67 K-20 350, SM465, Eaton rear, 4.56 no spin option 00 Dodge 2500 4x4, 24V cummins, 5 speed Chad South Central Nebraska |
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