I’m salaried, and we are still ridding ourselves of debt - so not exactly the same use case. I am at the point where I modify my bucket fill numbers based on the actual we spent in each category the previous year. If we stay within the buckets then I know I am good - so currently I don’t have that forecasting need.…

Did you look at Moneywell? We got our finances on track with it. YNAB 4 was the most similar to Moneywell for budgeting when I was looking during the time Moneywell was transitioning ownership and it seemed uncertain that it would survive. The biggest difference, and what I didn’t like about YNAB is that it doesn’t do…

What financial software do you use?

Nice explanation! Thanks for taking the time to type it all out.

$29.91 Prime... :-) Is it published and shipping now? Need to put it on my wish list.

The TPMS system on my wife’s 2010 Town and Country shows the pressure in PSI for each tire. So maybe some are implemented better than others.

This

He has detailed records of “something” traveling. Not only do removable GPS’s not record who is driving, they don’t record what vehicle they are in.

If we are looking for a car I buy a month of Carfax or one of the other ones (generally it’s been around the cost of 3 individual reports) so I can look up as many VINs as I want. I then look up the VIN of every can that looks interesting *before* I go look in person. If anything smells iffy then that’s a trip to see…

We’ve bought 3 cars that have needed straightforward work done, which we had written into the purchase papers in the appropriate spot. Two had cracked windscreens which the dealer’s agreed to have replaced. The cars were good prices, and the dealers had them on the lot for a long time - so it was pretty obvious they…

Even in NJ a 10 year old/100,000K car isn’t an old heap. These people don’t want to work on anything that isn’t just barely out of warrantee.

Looking forward to it!

Wouldn’t my depreciation and transaction costs be the same whether I paid cash or financed? Certainly there would be interest to pay if the transaction costs are rolled in to the finance (as usual) but those are generally around $700 (here anyway) so that only adds $23.04 to the cost of the transaction.

But you didn’t pay cash, you financed to get a financial advantage - then paid off early. And Ramsey say it’s *always* a bad idea to finance. He doesn’t say finance and pay off early, he says never finance. So you are proving Tom’s point - there are times when paying cash for the care isn’t in your best financial…

As I read more of you, Doug and Tavarish the more obvious it is that you are all pen names for the same person so it’s easier to give targeted advice :-) Seriously, you are more in agreement than discord - you just have different starting positions.

Ramsey isn’t right - he totally ignores the loss of opportunity. If I have $50,000 and can get 5% on it invested then buying or leasing at a lower interest rate (like the 0.9% for 60 months shown in the example) then financially Ramsey is giving terrible advice.

Overtime you write one of these I look in wonderment at the comments by all these people with extensive experience appearing in court. I’ve only appeared in court for 2 jury summonses and had one speeding ticket in nearly 40 years of driving. Am I just living right or something?

Studies show that bad news travels faster and wider than good news too. See http://www.marketingcharts.com/online/bad-cus… and http://www.helpscout.net/75-customer-se… for example numbers.

I (now, having learned :-) ) do a Bill of Sale for everything I sell that is over a trivial amount.

Like the old saying goes - ass, cash or grass, nobody rides for free :-)