I thought we determined that peanut butter has no expiration date?
Only PB that comes in jars with name brand labels don't have expiration dates. Too much plastic (partially-hydrogenated hydrocarbons). Fresh ground peanut butter will go bad, especially if left un-refrigerated. (Don't ask me how I know this.)
In the spirit of trying to find my "grove" in the self employment world. My wife and I have been having long talks about simplifying our lives and trying to get as debt free as possible. So, one thing we wanted to do was do away with was car payments. We have a pretty decent Tahoe thats paid for, then we have my Jeep which we still owe on. Well, as painful as it may be, its gotta go, but we still need a decent vehicle to replace it. Think we found it. Lucked into it really. Bought this jewel from friends of my parents. They have 3 BMW's and this one just sat in the garage. As a matter of fact. They owned it for 12 years and only put just over 50k on it. Have all the service records, everything works. Its a freaking cream puff. You guys wouldn't believe me if I told you what I got it for. Paid him cash for it and my wife is thrilled to death, said I can have her Tahoe. Sell my jeep and problem solved. No more car payments and still have a couple of decent vehicles. I'm doing the happy dance!
OK, now for the "old-skinflint lecture" - just because you no longer have a car payment, don't go raising your lifestyle to equal the amount not being spent. Open a separate savings account called the "Car Replacement Fund". Each month, put in your car payment. The next time you buy a car, use what's in the fund to be your vehicle down payment. As soon as the vehicle is paid off, start refilling the Replacement Fund. After a couple or three purchases, you have enough in the fund to buy a new vehicle for cash.
My dad taught me this way back in 1962. Started it with my 1978 Ford Granada and my 1985 Dodge D1500. Paid cash for my 1991 Geo Prizm (sold it for $3k private sale and put that in the Replacement Fund), my 1998 Tahoe and my 2006 Prius (got $12k credit for the Tahoe that wasn't rolled over in the new note because there was no old note to roll over and I left the extra $12K in the fund). I put $400 / month every month into the fund and have since Oct 2006, so when the Prius dies, I'm ready.
You make the car payments to yourself, so technically, you are paying yourself the interest that you would normally be paying the bank or car finance company. You are also earning the savings account interest while it's sitting there (no much right now, but back when an account paid 4 or 5%, it was a chunk of change. And it damn sure feels good to be negotiating from a power of strength for the next car, because the dealer is sitting there thinking they're gonna get paid all this interest over time (which is where they really make a bunch of their money). You NEVER tell them you're gonna pay cash because they won't dicker as much. I really like the look on the finance guy's face when they ask "How many payments do you want to make? 48? 60? 72?" and you get to say "One" and pull out a check book.
This does not work with leases or if you plan on trading out cars every 2 or 3 years. It only works out really well if you buy a new vehicle, drive it into the dirt and then make a planter box out of it (or find some fool to buy it from you). My definition of "time to replace a vehicle" is when you have 4 repair bills in a 6 month period that equals or exceeds your "monthly car payment".