Finally got my own truck

QFT!

I'm hoping to be at no more that $800/month (i.e. $200/week) payment....and convert that into ZERO note within 36 months or less. <<fingers-crossed>>

 

Even 1650ish a month is no big deal. The key is to not spend every dollar you make and don't take off ers at a time when the market is booming. Plan those extended vacation times for when the market will be slow.

Edit to add: that holds true no matter what your truck payment is. Plenty of guys with paid off trucks go broke cause they spend everything they make.

 

Nor really. Unless you refinance it. The payment is what the payment is. Not like you can send less than the payment and the finance co be ok with it. You are talking about lifetime ownership cost, but you have to include all maintenance and repairs in that figure.

 

Home town for me.....

 

Not really. While the truck is new and under warranty, you still need to be putting away the maintenance money as if it were old and paid for. You could still have repairs that warranty doesn't cover, plus warranty doesn't make truck payments for you or pay your household bills while truck is in shop for warranty work. Also costly repairs get paid in full, upfront, not monthly. Think of it this way, once the truck is paid for, you have the money sitting there drawing interest until you need it for a $30,000 overhaul or $6000 tranny, etc. Maintenance and/or repair money needs to start day one. Then when truck is paid for, if you can, put all or at least half of payment away for either new truck, or retirement fund. Just my opinion anyway. Probably not worth much.

All that being said, I still wouldn't want a truck payment. I can repair or rebuild mine as needed way cheaper. Plus doing all the work myself helps. Matter of fact just saved about $3000-$3500 in just labor putting in a clutch and tranny. I just pay myself that money instead of the shop. Remember, don't work for free

 

I believe Flint is a good gateway to other freight areas within 2 hours, S, E, and W. Have you checked into Canadian freight headed for points south out of Port Urine?

 

Check with Load One in Taylor. John Elliot is easy to deal with. They're both expedite and truckload. Some of those Canadian loads go thru there. Mostly regional.