Quote:
Originally Posted by Ubetit
I see things a little differently. A decrease of $150 a month in car payment isn't enough. You don't need to get rid of a toy car to buy a toy truck, you only need a daily driver. I don't understand the need to jump right into another new car payment. I see two scenarios and neither would involve a new car if you are considering a house.
1. Sell the Z and keep your Versa. Versa goes fine in snow like all the other FWD vehicles. Even better when equipped with snow tires. Uncool car?... only if you care what other people think.
2. Sell all your cars, get one USED small SUV or pickup truck.
Wait until your finances settle down after some time living in a house. Houses and the stuff you fill them with aren't cheap. I've had more than a few friends learn that lesson. Live below your means, pay cash for everything other than your house and take vacations for heavens sake.
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This.
I don't understand why anyone would say they want to save money, but get into another car payment. If $150/mo is that big of a deal - it's probably better to not have a car payment at all. OP didn't mention it, but would it be a lesser payment for a longer period of time? IE.) it would be paid off after the Z would've been? So are you really even coming out ahead? Factor in the gas money and I'd say you're not really saving much at all.
Plus why would you want to take out another line of credit for a car when you're looking to buy a house? Drive the Versa (if it's paid off). Having a house > than a "more fun" car.