Shiit if ur living with ur mom still, dont have to pay rent and only paying for gas and a phone bill (lets do the math 25,800/60 months (lets just say you take a 60 month loan aka finance the whole amount= around $430 a month. 1700-(gas)(phone bill) estimate 1700-(300)(150)=1250-(taking your gf out)=1250-(200)=$1050) then you are still going to have close to a 1000 dollars left so minus the payment around you will have 600 left. Then maintenance and other miscellaneous fees will come up, so with that you are pretty much at the end of your monthly income. Its a close one, mathematically you can afford it, however, realistically I would wait.