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dilemmas. - Princess
maigrey
maigrey
dilemmas.
I really want to buy a car. My air conditioning is going on the Saturn.

I really don't want a $400/mo car payment.

I really hate that it takes so much work to get a car.

Should I just get the car and deal with the car payments? Sigh.

Current Mood: really wishing a car would fall into my lap.

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Comments
From: gopherbomb Date: May 15th, 2002 09:36 am (UTC) (Link)

Zoooooom!

Of course you should get the car and let me drive it once or twice make the payments! That's what being an adult is all about! Buying toys is important. Otherwise, you'd just be working hard for no reason; and really, what better things do you have to do with your money? Ain't worth a thing if it ain't used.
maigrey From: maigrey Date: May 15th, 2002 12:34 pm (UTC) (Link)

Re: Zoooooom!

Well, I'm workin' hard for a house!

Although if the AC is really going, I'm going to be buying a car sooner than I think.
maigrey From: maigrey Date: May 15th, 2002 12:36 pm (UTC) (Link)

Re: Zoooooom!

Oh! And aren't you in a comment-y mood today? :) I likes it!
iltamies From: iltamies Date: May 15th, 2002 11:34 am (UTC) (Link)
I am facing a similar dilemma. If you can't stand it w/o air (I certainly can't where I live), and the costs to repair exceed the value of your car, it may be time. Payments suck rocks, yes. But having no air in 100+ degrees for week long stretches sucks more.
maigrey From: maigrey Date: May 15th, 2002 12:35 pm (UTC) (Link)
Yeah, that's the dilemma.

The car is supposedly worth ~ $2000 trade in ($5000 sale value), and if the AC is busted, that's generally a $1500 fix. I'd rather spend the $1500 on a new car.

But $400/mo is a LOT. Plus increased gas costs and insurance...
snidegrrl From: snidegrrl Date: May 15th, 2002 12:49 pm (UTC) (Link)
also, why not buy a cheaper new car that wouldnt' require 400$ a month payments? i have done alot of reasearch on this lately, as someone who simply can't afford 400/month.
maigrey From: maigrey Date: May 15th, 2002 12:52 pm (UTC) (Link)
I can make $400/mo work, it'll just be a bit tight for a while.

And I know the exact car I want; it's a 2002 Nissan Maxima in grey luster with a 6 speed tranny, leather seats and sunroof.

Plus, next year, they're kicking the price up $10k. So, if I want *this car*, I need to buy it soon.

Plus, the AC is going...
snidegrrl From: snidegrrl Date: May 15th, 2002 01:02 pm (UTC) (Link)
ahhh, i see :) something specific. well good luck - that's a nice car!!!
maigrey From: maigrey Date: May 15th, 2002 01:54 pm (UTC) (Link)

specifics are a bitch...

and I'm just having a hard time compromising, though I'm looking at used cars, too.

Le sigh.
snickersaddict From: snickersaddict Date: May 15th, 2002 02:12 pm (UTC) (Link)
Hey. Just randomly stopped by your journal as the worked piled up on my desk. I am adding you as a friend because I want to know how this car thing goes.

I am in a very similiar dilemma. I want the Mini Cooper S fully loaded. And I need to buy it before the 2003 comes out because they will mostly likely bump up the price, and of course there is the 8 month wait for the car. But $400 is alot of money, plus insurance and all that crap. And worst of all I have to sell my Mazada Miata. :( boo hoo. But while a tiny little two seater was an awesome idea once upon a time. As unfortunately happens, responsibilties start to pile up :).

My advice, screw the a/c. Over price your car about $800.00, find someone to pay your asking price, tell them that the a/c doesn't work, but that you will knock off $800.00 off the price, so that they have the money to fix it *wink* it just might work. You get the car sold, make no repairs,a nd have enough money for the Nissan.
jlindquist From: jlindquist Date: May 16th, 2002 01:41 am (UTC) (Link)
Screw A/C, at the onset of a Chicago summer? That's just nuts. Even if you don't run it for comfort, you sure as hell need the compressor to keep the defroster effective.

My A/C compressor died the summer before senior year of college (in the middle of a road trip, with a particularly heat-sensitive and bitchy passenger) and that last year without it sucked.

I'd certainly sell the car on your own though. The trade-in value the Saturn dealer offered for my '93 SC2 was a joke compared to what the Auto Trader was showing. (Of course, this is a Saturn dealer we're talking about, their corporate philosophy kinda demands this approach.)

As in most cases, if you can come up with a bigger down payment, you could slash your monthly payments considerably. Any chance you can be a tightwad for a couple of months to put away some extra cash? :-)
snickersaddict From: snickersaddict Date: May 16th, 2002 07:56 am (UTC) (Link)
In this Chicago Weather, summer will be over in a couple months. So she would have to invest in the a/c. I say sell the car as quickly as possible. IF you put it on Autotrader someone from North Dakota may come buy it. And they never need the a/c :)
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