Bleh, dad has to screw everything up.

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C-1_Biker
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Bleh, dad has to screw everything up.

#1 Unread post by C-1_Biker » Fri Apr 27, 2007 7:26 pm

I was THIS close to getting a bike. I found both a 89 cbr600 and an 89 ninja 500 for around 1000 bucks on craigslist, and I would have picked up either one. (I know I know the cbr is not a beginner bike).

I have the money for it, and I would be paying for all the gas and insurance and everything.

Then my dad says I can't get it. And its not cuz of anti motorcycle or you'll crash or whatever.

He's just basically saying I can't spend the money. My parents don't have extra money lying around, but we're not starving either, and I work full time. He comes up with stuff like "well you still owe us money for your car", which I do, but I am actually a month ahead on my payments, and I owe about 2 grand.

When I say well I have the money and its mine he just says well you don't pay any bills so you can't get it. So going by this logic its better for me to not work and live for free rather than work and not buy anything! I'm just getting so ticked off.

I can't wait to sell my car, then I should have enough to buy a blazer and a newer bike, but there's still the issue of my dad just saying no. I think its time to move out, but I only make 9.50 an hour, so if I had to pay rent I probably wouldn't even be able to afford a bike...this sucks...

Sorry, just venting.

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#2 Unread post by jstark47 » Fri Apr 27, 2007 8:03 pm

18 years old and working, but living at home: you're kinda on the cusp between adult and child. I know it's frustrating, I can see your point of view, but I can pretty well guess what your Dad's about, too. It's OK to vent BTW, better to let it out here than get into it with your parents.

This won't help, and you probably don't want to hear it, but it will get easier in a few years - keep working and your earning power will go up. Invest in your education, and it will go up even more. Move out on your own, and you'll have a golden opportunity to stand in your Dad's shoes and learn firsthand why he's concerned about money....

I didn't even have a car let alone a motorcycle until I was 21- had to bum one of my parent's cars, IF they felt like letting me use it... Learned a lot about public transportation and hitchhiking that way (this was in the 70's, hitchhiking was safer...) Hang in there.
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#3 Unread post by flynrider » Fri Apr 27, 2007 8:19 pm

You've just discovered the bad side of having a full time job and living at home. You're not really independent, since someone else foots the bills.

Look on the bright side, though. With a full time job and your living expenses covered, you have the opportunity to sock away cash for fun stuff like cars and bikes. When you move out and you're paying all of your own bills, it's going to be a lot more difficult.
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#4 Unread post by tortus » Fri Apr 27, 2007 8:46 pm

jstark47 wrote: I didn't even have a car let alone a motorcycle until I was 21
I just got my first bike, and I'm 29. Granted, for the past several years I was dating an ER nurse who absolutely forbid me to get one, and I stupidly listened to her :) But even still, there's no way I could have even thought to afford a bike at the age of 18 (or 21)

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#5 Unread post by C-1_Biker » Fri Apr 27, 2007 8:48 pm

Look on the bright side, though. With a full time job and your living expenses covered, you have the opportunity to sock away cash for fun stuff like cars and bikes. When you move out and you're paying all of your own bills, it's going to be a lot more difficult.

I know, thats why I'm trying to get a bike now while I can. If I moved out I probably wouldn't be able to afford it.

Right now this is my plan: Sell my car, hoping to get 6k-7k for it. Buy a blazer or 4runner or something like that for 4k-5k. That leaves me with anywhere between 1k-3k plus what I have in the bank (about a grand), to spend on a beater bike, which should be plenty (as I've already found two bikes I would have bought in a heartbeat.) Then I use whatever money I have left and take more out of my check each month to pay off my parents for the 2 thousand I owe them on my car. By this time, this is a couple of months in the future, I sell the bike, and get the one I really want that will last me a few years (Newer ZX-6R or CBR600RR). By the time I've done all this, its a year or so from now, and I have no payments outside of gas and insurance. By then I am also probably making 15.00 an hour. Then I want to think about moving out.

By the way, since we're on the topic, what do you guys think is a good time to move out? Not really age wise, but finance wise. If I had no debts and making 15.00 an hour would I be alright, or would it be better to wait until I was making more money?

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#6 Unread post by tortus » Fri Apr 27, 2007 9:16 pm

C-1_Biker wrote: By the way, since we're on the topic, what do you guys think is a good time to move out? Not really age wise, but finance wise. If I had no debts and making 15.00 an hour would I be alright, or would it be better to wait until I was making more money?
This is pretty off topic for this forum. Maybe take it to the soap box section?

I'll just quickly say $15/hour really isn't too much. Can you live on it? Probably. Depends greatly on the cost of living in your area. Uncle Sam will take a lot of what you make, don't forget that part :)

How much rain does Roseville, CA get? Is that northern or southern CA? Could you possibly just have a bike as your only vehicle? Perhaps use public transportation when needed, and/or bum rides off friends?

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#7 Unread post by jonbailey19808 » Fri Apr 27, 2007 9:22 pm

when i was 18 i was going though an aprentaship for HVAC. The pay sucked but it is realing paying off now
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#8 Unread post by DustyJacket » Fri Apr 27, 2007 11:44 pm

its better for me to not work and live for free rather than work and not buy anything
You are living for free right now. You are living in your parent's house, paying no rent, food, electricity, phone, cable, heating, home insurance, Internet access, and so on.

Like it or not, you are not independent.

You have a car, so a motorcycle is a recreational vehicle and not basic transportation. You are doing OK. My only transportation was a bicycle until I was nearly 23 years old.

By the way, insurance for a male under 25 years old for a car and a motorcycle is a huge expense. I would guess you are looking at way over $2,000 a year depending on the model car and bike. Add gas, oil, tires, maintenance, taxes, license plates, etc. You would be using money now to set yourself up for future expenses that you might not be able to afford.

Heck, you are already in debt for $2,000. Bank the money you are earning for now. It won't go away.

Work on getting an education (college, technical school, whatever) so you can earn more than 9.50 an hour. That should be your #1 goal right now.

Once you are earning a decent wage, you can move out and support yourself. $15/hour is $30,000 per year (assuming no overtime) which is OK when you are single, but it is marginal for a family, or someone collecting "toys", depending where you live. You'll be surprised how expensive it is to living on your own, when you add everything up and then take the taxes out of your income.

You already admit you can't afford to move out. And if you could, you couldn't afford the bike. Buck up. Build your future, not your future debt.

Don't blame your dad. (See the title of your thread.) He is supporting you.

PS: Selling the car and not paying off the car loan with the proceeds (even if it is your parents) is not a great idea.
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#9 Unread post by C-1_Biker » Sat Apr 28, 2007 2:06 am

PS: Selling the car and not paying off the car loan with the proceeds (even if it is your parents) is not a great idea.
Why not?

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#10 Unread post by Shorts » Sat Apr 28, 2007 2:27 am

C-1_Biker wrote:
PS: Selling the car and not paying off the car loan with the proceeds (even if it is your parents) is not a great idea.
Why not?
I think that is saying you should finish repaying your parents with any money you do have (especially in the sale of said car). That will give them no more say in regards to that particular debt. Get that monkey off your back.


Sorry to hear your dad stood in the way of your purchase. I know how quashed you must feel. But vent it out and let it be for a little more time. Lightly test the waters and go from there as far as your other questions go.

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#11 Unread post by ofblong » Sat Apr 28, 2007 6:38 am

must be nice to be able to live at home while attending college still. I had to move out when I went to college and lived on my own but then again I got a good summer job that I earned 6grand that I put in the bank which paid for my first couple years of college (thanks to student loans and grants). Trust me save everything you can. the savings on gas will take years to realize compared to your car and its not worth the investment at this time. Hell im 28 have 4 kids and a wife and I just got a motorcycle. Though I paid cash for my first car when I was 16 (yup you heard me right I paid cash). Live with your parents for a couple years, I would say until you graduate college (I know 4 years seems forever but trust me you wont regret the cash you can save). After that you should have saved enough to be able to pay cash for quite a few things. Why not get a summer job as well like something in construction? those usually pay well and thats how I earned 6 grand over the summer before I went to college.
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#12 Unread post by oldschoolorange » Sat Apr 28, 2007 8:59 am

Might not be the best advice you will hear but it worked for me. Just show up with the thing one day, or better yet buy it and the keep it somewhere else, work on it and get it road ready and then show up on the thing one day. they will be pissed but inform them that you purchased it x ammount of months ago. Then they will either deal with it or throw you out.
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#13 Unread post by NightNurse » Sat Apr 28, 2007 9:42 am

I'd say get a second job, and move out!

I had to pay rent when I was 15, since I had a job. When I refused my parents kicked me out...been on my own ever since. At one point I had 3 jobs, you do what you have to do.

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#14 Unread post by tortus » Sat Apr 28, 2007 10:28 am

oldschoolorange wrote:Might not be the best advice you will hear but it worked for me. Just show up with the thing one day, or better yet buy it and the keep it somewhere else, work on it and get it road ready and then show up on the thing one day. they will be pissed but inform them that you purchased it x ammount of months ago. Then they will either deal with it or throw you out.
Yeah that's not good advice.

But I'd probably try if it if was me :)

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#15 Unread post by Skel3tor1 » Sat Apr 28, 2007 11:42 pm

Here is my advice.
Here is my background:

At 18, living with my parents, I got charged $10.00 every time I was caught up past 2am. Let's just say I am a major tightwad and a scrooge when it comes to money (Hence, parents punished with it because it usually worked)

After a little bit of that, I moved out. I'm a night owl, I can't stand going to bed early.

High school grad at the time. Moved out and in with a pal. Fast forward 6 months, we're getting evicted because he didn't pay his side of the rent, even though I had been giving him checks to give to the landlord.

Got a house.
Went back to college 5 years later. I'm 24 now. I have a house, truck, and a bike but I think I would much rather have just mooched off my parents for a while longer and went to school. I could be making triple the money than I am now while working in call centers doing technical support and getting cussed out daily (I work for a local cable company).

Few more years of this crap and I'm done with it.

So.

1) Suck it up and deal with it.

2) Mooch off of your parents for as long as you can and squirrel away as much money as you can. Build up a good credit history.

3) Get a college education and start your career. Then move out. Get a bike, go crazy, do whatever. Just don't go too crazy :P

Tip: Most people start to amass some net worth when they possess a house; so save up your pennies for a down payment on one. (Even though nowadays you can get a 30 year mortgage or longer term and not put any money down, but that has bad news written all over it.) If you want more advice on this particular topic, PM me. To put it simply, low interest rate and low mortgage term is what to shoot for (mine is 5.0% and 15 years).
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#16 Unread post by C-1_Biker » Sun Apr 29, 2007 1:33 am

I think that is saying you should finish repaying your parents with any money you do have (especially in the sale of said car). That will give them no more say in regards to that particular debt. Get that monkey off your back.
My bad, I read too quickly and thought he said it was a bad idea to sell the car and pay off the debt, when in fact he said it was a bad idea to sell the car and NOT pay off the money.
Might not be the best advice you will hear but it worked for me. Just show up with the thing one day, or better yet buy it and the keep it somewhere else, work on it and get it road ready and then show up on the thing one day. they will be pissed but inform them that you purchased it x ammount of months ago. Then they will either deal with it or throw you out.
You know, I've actually thought about this and thats what some other people have told me. I doubt my parents would throw me out, but it probably wouldn't be a good idea either.


Tip: Most people start to amass some net worth when they possess a house; so save up your pennies for a down payment on one. (Even though nowadays you can get a 30 year mortgage or longer term and not put any money down, but that has bad news written all over it.) If you want more advice on this particular topic, PM me. To put it simply, low interest rate and low mortgage term is what to shoot for (mine is 5.0% and 15 years).
Very true, and I have thought about this before. I just can't see how any money I can save in the next few years will even make a dent in the price of a house. But then again it makes a lot of sense to get a house instead of throwing money away on rent. If one can manage to pull it off, with the 15 year mortgage you can get a house at 25 and own it buy 40, that would be really nice to have no mortgage to pay.

On a side note, my dad was talking today about getting a pool/ping pong table. One of the ones in the cataloge he was looking at was 2400 bucks. If he brings it up again I'll use that as leverage. He wasn't gonna let me spend a grand on a bike because its wasting my money, but now he wants an even less usefull item for double the price?

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#17 Unread post by flynrider » Sun Apr 29, 2007 8:52 pm

C-1_Biker wrote:
On a side note, my dad was talking today about getting a pool/ping pong table. One of the ones in the cataloge he was looking at was 2400 bucks. If he brings it up again I'll use that as leverage. He wasn't gonna let me spend a grand on a bike because its wasting my money, but now he wants an even less usefull item for double the price?
I think you missed the point that he pays the bills, so he makes the rules. When you're paying his bills, then you'd have some "leverage" in that respect.
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#18 Unread post by NightNurse » Sun Apr 29, 2007 10:17 pm

C-1_Biker wrote:
I think that is saying you should finish repaying your parents with any money you do have (especially in the sale of said car). That will give them no more say in regards to that particular debt. Get that monkey off your back.
On a side note, my dad was talking today about getting a pool/ping pong table. One of the ones in the cataloge he was looking at was 2400 bucks. If he brings it up again I'll use that as leverage. He wasn't gonna let me spend a grand on a bike because its wasting my money, but now he wants an even less usefull item for double the price?
Leverage? You are an ADULT living rent and bill free! Dont be ridiculous.

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#19 Unread post by ofblong » Sun Apr 29, 2007 10:58 pm

C-1_Biker wrote: On a side note, my dad was talking today about getting a pool/ping pong table. One of the ones in the cataloge he was looking at was 2400 bucks. If he brings it up again I'll use that as leverage. He wasn't gonna let me spend a grand on a bike because its wasting my money, but now he wants an even less usefull item for double the price?
If any of my children would try to use that as leverage I would stop letting them live at home rent free. I am sorry but your father probably makes a considerable amount more than you do. He has also most likely been in a situation where money was tight for a while and knows what living paycheck to paycheck is like. This would not even be remotely close to being a wise move on your part.
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#20 Unread post by Dragonhawk » Sun Apr 29, 2007 11:39 pm

NightNurse wrote:I had to pay rent when I was 15, since I had a job. When I refused my parents kicked me out...been on my own ever since.
You wouldn't happen to be related to John Bender, would you?
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