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modding isnt expensive if you're smart about it, so it really shouldn't matter if the car is paid off or not. Do the installs yourself and get the parts for cheap(er) (on ebay or whatever site). Then when you want to sell the car you can sell the modded parts again on ebay for the same or sometimes higher price then what you purchased them for.
Personally, I love modded cars because you put your own style into what you're driving but if you'd prefer to keep it stock thats up to you just dont be discouraged if money is the issue since its really not expensive in the long run.
good luck and get that thing out of the garage and enjoy it!!!
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2001 White Boxster w/ Hardtop
18" wheels/painted console
de-ambered/ 6speed
A careful driver is one who honks his horn when he goes through a red light
-Henry Morgan 
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