# Financial Advice
**URL:** https://forums.speedlife.net/t/financial-advice/24098
**Category:** NYSpeed Off Topic
**Created:** [February 5, 2007, 6:19am UTC](https://forums.speedlife.net/t/financial-advice/24098 "2007-02-05T06:19:51Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@ShiftDead](https://forums.speedlife.net/u/ShiftDead)
#### Post date: [February 5, 2007, 6:19am UTC](https://forums.speedlife.net/t/financial-advice/24098/1 "2007-02-05T06:19:51Z")
Ok boys ang girls,
Lets say you make 30k a year, pay next to no bills, except for car note, insurance, cell phone, and credit card. You have 2k in credit card debt, and owe 14k on your car.
Now your getting about $1300 back from taxes, what do you do? Do you put parts in your car to make it faster. Or pay your bills?
Parts consist of:
Nitrous (75 shot)
Fuel pump
AEM Intake
AEM Pulleys
DC Header
All im looking for is a general idea of what some of you would do. And killing myself is not an option.
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### Author:  [@j\_espo1](https://forums.speedlife.net/u/j_espo1)
#### Post date: [February 5, 2007, 6:24am UTC](https://forums.speedlife.net/t/financial-advice/24098/2 "2007-02-05T06:24:52Z")
put the $1300 on your credit card.
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### Author:  [@notch-dc5](https://forums.speedlife.net/u/notch-dc5)
#### Post date: [February 5, 2007, 6:31am UTC](https://forums.speedlife.net/t/financial-advice/24098/3 "2007-02-05T06:31:03Z")
^^^
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### Author:  [@OfficerK](https://forums.speedlife.net/u/OfficerK)
#### Post date: [February 5, 2007, 6:33am UTC](https://forums.speedlife.net/t/financial-advice/24098/4 "2007-02-05T06:33:05Z")
> [@j\_espo1](#):
>
> put the $1300 on your credit card.
/thread
pay off your bills and you will have more moeny to put towards your car.
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### Author:  [@newman](https://forums.speedlife.net/u/newman)
#### Post date: [February 5, 2007, 6:34am UTC](https://forums.speedlife.net/t/financial-advice/24098/5 "2007-02-05T06:34:01Z")
put half on the card, take the other half to the casino.
put it all on third twelve.
you have a one in three shot of turning that 650 into 1950!
then take 650 of that and put it on the card. Then take the remaining 1300 and spend it as you please.
Though i don’t think you should be dumping cash into the celica…
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### Author:  [@ShiftDead](https://forums.speedlife.net/u/ShiftDead)
#### Post date: [February 5, 2007, 6:35am UTC](https://forums.speedlife.net/t/financial-advice/24098/6 "2007-02-05T06:35:39Z")
> [@newman](#):
>
> Though i don’t think you should be dumping cash into the celica…
Thats my thought
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### Author:  [@fairgentleman\_Z](https://forums.speedlife.net/u/fairgentleman_Z)
#### Post date: [February 5, 2007, 6:42am UTC](https://forums.speedlife.net/t/financial-advice/24098/7 "2007-02-05T06:42:58Z")
how much do you have in your ROTH?
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [February 5, 2007, 6:44am UTC](https://forums.speedlife.net/t/financial-advice/24098/8 "2007-02-05T06:44:00Z")
pay off your highest interest debt first.
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### Author:  [@Viper966](https://forums.speedlife.net/u/Viper966)
#### Post date: [February 5, 2007, 6:50am UTC](https://forums.speedlife.net/t/financial-advice/24098/9 "2007-02-05T06:50:45Z")
DEBT\> car
ive learned this the hard way and so have others, i just put my 2k Tax refund back into my CC bills, and now they are paid off
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### Author:  [@JaysGreenLX](https://forums.speedlife.net/u/JaysGreenLX)
#### Post date: [February 5, 2007, 6:56am UTC](https://forums.speedlife.net/t/financial-advice/24098/10 "2007-02-05T06:56:07Z")
> [@j\_espo1](#):
>
> put the $1300 on your credit card.
Absolutely.
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### Author:  [@SkunkApe](https://forums.speedlife.net/u/SkunkApe)
#### Post date: [February 5, 2007, 6:56am UTC](https://forums.speedlife.net/t/financial-advice/24098/11 "2007-02-05T06:56:29Z")
pay ALL your debt off. Doing otherwise will just be plain stupid
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### Author:  [@OfficerK](https://forums.speedlife.net/u/OfficerK)
#### Post date: [February 5, 2007, 7:00am UTC](https://forums.speedlife.net/t/financial-advice/24098/12 "2007-02-05T07:00:18Z")
word of advice, dont listen to skunk for any financial advice.
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### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [February 5, 2007, 7:00am UTC](https://forums.speedlife.net/t/financial-advice/24098/13 "2007-02-05T07:00:18Z")
Buy the parts for your car. My company sells software to banks, and banks love people in debt. 🙂
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [February 5, 2007, 7:05am UTC](https://forums.speedlife.net/t/financial-advice/24098/14 "2007-02-05T07:05:27Z")
> [@SkunkApe](#):
>
> pay ALL your debt off. Doing otherwise will just be plain stupid
Buying a $30,000 was stupid. Falling in love with that car is even more so. Right now my goals are just that. Pay off my bills then start messing with the car.
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### Author:  [@ineedacar](https://forums.speedlife.net/u/ineedacar)
#### Post date: [February 5, 2007, 7:10am UTC](https://forums.speedlife.net/t/financial-advice/24098/15 "2007-02-05T07:10:01Z")
pay ur credit card bills those are the worst thing u can have on ur credit
or dont pay them, let them go into collections, and ill call u every day so i can make $ and put it into MY car =)
na pay ur shit off
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### Author:  [@STEALTTH](https://forums.speedlife.net/u/STEALTTH)
#### Post date: [February 5, 2007, 7:12am UTC](https://forums.speedlife.net/t/financial-advice/24098/16 "2007-02-05T07:12:42Z")
yeah…go ahead and kill that credit card
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### Author:  [@JoesTypeS](https://forums.speedlife.net/u/JoesTypeS)
#### Post date: [February 5, 2007, 7:21am UTC](https://forums.speedlife.net/t/financial-advice/24098/17 "2007-02-05T07:21:11Z")
unless you’re CC is 0% pay it off…or else you can just add whatever the outrageous interest rate from your CC is onto the cost of your car parts
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### Author:  [@system](https://forums.speedlife.net/u/system)
#### Post date: [February 5, 2007, 7:23am UTC](https://forums.speedlife.net/t/financial-advice/24098/18 "2007-02-05T07:23:06Z")
If you MUST buy parts put at least 75% toward your CC first.
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### Author:  [@SkunkApe](https://forums.speedlife.net/u/SkunkApe)
#### Post date: [February 5, 2007, 7:25am UTC](https://forums.speedlife.net/t/financial-advice/24098/19 "2007-02-05T07:25:46Z")
> [@OfficerK](#):
>
> word of advice, dont listen to skunk for any financial advice.
yes… because telling him the CORRECT and SMART thing to do is a dumb move on my part :bloated:
ok ok… fine… go blow ur money on car parts, become more in debt, then be pissed off that you didn’t listen to the people that said pay off your debt.
I am in the same boat as you… i have some CC debt i have to pay. As soon as i get my money from my taxes… it’s going right to my CC
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### Author:  [@j\_espo1](https://forums.speedlife.net/u/j_espo1)
#### Post date: [February 5, 2007, 7:45am UTC](https://forums.speedlife.net/t/financial-advice/24098/20 "2007-02-05T07:45:25Z")
> [@newman](#):
>
> put half on the card, take the other half to the casino.
>
> put it all on third twelve.
>
> you have a one in three shot of turning that 650 into 1950!
why not 2nd twelve? i like 2nd twelve and red
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