cktc
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Post by cktc on Apr 30, 2019 10:22:16 GMT -5
What's the most you are willing to spend on a vehicle? Is it more about sticker price, monthly payment or total out of pocket?
DH and I rented a Chrysler Pacifica Hybrid recently and quite liked it. MSRP is $49k. I can't. I mean, if we wanted to we could find a way to make it happen, but mentally it's a "no". I just can't rationalize spending that much on a car.
We are considering the Kia Niro Hybrid for $24k. $30k would probably be my max if the car ticked all the boxes.
Maybe I need to consider that some cars retain some value after purchase, but we tend to drive ours until they are <$5k.
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Deleted
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Post by Deleted on Apr 30, 2019 10:29:35 GMT -5
I bought a decked out Accord 3 years ago for 34k but I would have went up to probably 40k if necessary. To me it is all about out the door price.
I'm at the point where I'm going to buy the top of the line, non-luxury car. To me there isn't more value to buying a luxury vehicle and it would be frowned upon in my profession.
I usually keep cars 7/8 years but at this point I'm putting less than 5k miles a year on it so not sure what I'll do in 5 years.
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movingforward
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Post by movingforward on Apr 30, 2019 10:29:41 GMT -5
20K is my max (after trade-in) so probably 23K - 24K. I plan to pay cash for my next car so it is all about the total out of pocket cost for me.
A good friend test drove a Lexus last week and fell in love with it. Her husband is saying buy it if you want it but she is having a hard time wrapping her head around spending that much for a car. The payments would be around $600 a month. I just couldn't do it... I have thought about getting me a little sports car (maybe a Mazda Miata or something). It could be my mid-life crisis car . I might could find a sports car I like for around 30K. I will have to think about it and do a lot of test drives...in the end I will probably end up with a little hatchback like the Mazda 3 or something. I am not planning to get another car for at least 18 months so I have plenty of time. It is fun to me to look for several months before buying so I actually might start looking in the fall.
I have also started buying gently used cars. For me, it makes a lot more sense than buying new. I don't put a lot of miles on my car. My family lives out of state so I always fly there. When traveling for work, I always fly. It is just my daily "around the city" driving that I do.
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Post by Deleted on Apr 30, 2019 10:33:01 GMT -5
For me, it's the bottom line dollar amount of what it costs. I won't borrow, so monthly payment doesn't matter, but even if I was going to consider a 0% loan my brain would tune into the actual cost.. It varies for me based on where I am financially at the time, but 15K has kind of been my mental max for quite a while, but right now if I had to get a car I wouldn't even go that high. I just have too many competing priorities and not enough money. Luckily, I currently have three, so hopefully one of them lasts me a long time yet.
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pooks
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Post by pooks on Apr 30, 2019 10:34:18 GMT -5
So far our max is 20K, not including taxes and tags. I don't know what we will do the next time we need a vehicle, because staying under 20K seems difficult and we have a major mental block with spending more than 20K. The only helpful thing is that we like smaller cars.
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grumpyhermit
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Post by grumpyhermit on Apr 30, 2019 10:44:48 GMT -5
It's a little bit of both.
I won't do anything more than a 4 year term, and I don't like the idea of anything much over $250 a month. I paid 18k for my last car, with an 8k down payment (so financed 10k).
I could see maybe going up a bit next time, but ultimately I think I would have a very hard time paying anything over 25k for a vehicle.
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chapeau
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Post by chapeau on Apr 30, 2019 10:47:04 GMT -5
I couldn’t do $40, let alone almost $50. Our last two cars (both new to us, not new) slid in under $10k each by a whisker. But we know our next will not be that low. DH and I expect to be taking over more of the driving that we currently share with my parents (we live 2 blocks apart). They have a highlander that I have consciously chosen not to price check. My forester is not that comfortable for 4 passengers (DH leaves virtually zero leg room behind his seat), let alone 5. Same with his Jeep. I’m thinking mid-size suv or (gulp) van. Either way, more than $10k. Hopefully between $20 and $30k, but that amount kind of makes me queasy. We’re not looking now, so I’m not thinking about it at all.
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justme
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Post by justme on Apr 30, 2019 11:01:35 GMT -5
So the Pacifica Hybrid starts at $40k and the regular one starts at $27k. The non-hybrid is a much more sane amount. I would think the additional cost of hybrids only make sense for people that are driving a shit ton of miles, not ones that drive about the average.
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dannylion
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Post by dannylion on Apr 30, 2019 11:06:29 GMT -5
I like nice cars. I'm probably going to spend 60k on the next one (possibly more, depending on what I finally decide to get). I'm retired and did enough traveling while I was working to last a lifetime, so my retirement indulgence is going to be nice cars. Whatever I get, it's going to have all the new safety-related equipment and features and will definitely make future car-purchase decisions on the basis of whatever new options of that kind become available. Those are the features that will help me remain independent for as long as possible. I have been putting $500 to $1000 into the "next car" car fund every month since I bought my last car in 2010, so I'm primarily going to be concerned about the total price of the car and will focus negotiations on that. Since I tend to keep my cars for a while, it is very possible that this might be my last car or at least next to last, so I'm going to get exactly what I want. I think I want a red one this time.
Yes, I know I can get a good car with all the features I want for a lot less money, but I like shiny things and really nice interiors and find the groveling obsequiousness of the staff at luxury car dealerships to be entertaining. Women like me achieve a level of invisibility that reaches superpower status as we get older, so we tend to have a soft spot for businesses and people who actually acknowledge our existence.
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Miss Tequila
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Post by Miss Tequila on Apr 30, 2019 11:54:13 GMT -5
I'm not a car person and I've been a person that buys a car and then keeps it for a VERY long time (last one was 14 years old when I sold it and it was my main car for 12 of those years).
I'm now getting to the point that I'm getting sick of cars after a point. Part of it is that I bought my last car in a huge rush (daughter wrecked her car and I thought it was totaled). I've hated it since the day after I bought it but since I bought it I'm stuck with it. I'm considering leasing in the future. I might only do it once but it will force me to stop being so F'n cheap and get a nice, shiny, new car every few years! Yes, I know it is more expensive in the long run but I make a lot of money and can afford it....just have to get past the mental block!
I don't know the cost of cars. Like I said, I have a car that I hate and my payment is something like $350/month (over way too many months- but the interest rate is really low so I drag it out).
ETA: I know the cost of MY car!lol I just don't know what it would cost to get a car that I don't hate. BF keeps telling me to go buy something I like but I haven't yet.
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busymom
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Post by busymom on Apr 30, 2019 12:04:20 GMT -5
I love cars, but just can't get past the mindset of price. Right now I won't pay more than $23,000. It's probably because I know I can get what I need at that price, plus an extra or two. But, I can remember the days where the decision was based solely on monthly payment. And that was when DH & I drove strictly used cars. If our mechanic said a car was sound, & it was in our monthly payment limit, we bought it.
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chiver78
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Post by chiver78 on Apr 30, 2019 12:11:51 GMT -5
I prefer manual transmission, and I won't buy one of those used. my current car was $24k, financed at 1.xx%. I can't remember offhand. I was twitching at the thought of going over $20k, but I got a fully loaded 2014 in Feb 2015, for the price of a basic 2015 of the same model. the car prior to this, I held onto for 14y and 180k miles before I gave it to a younger cousin. I'm okay buying new, knowing I hold onto them for very high mileage. at least I know whatever's wrong with its handling is all my fault.
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Post by The Walk of the Penguin Mich on Apr 30, 2019 12:27:34 GMT -5
I tend to buy my cars new, and drive them until they are dead. I just got my 2007 Forester detailed, it looks good and is still in excellent mechanical shape. I can see it easily doing another 5 years, unless I get in an accident. I think I paid $22k for it in 2007.
When it comes to replacing it, I will probably go up to $35k and pay cash. My car payment has been going into savings for 7 years now.
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justme
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Post by justme on Apr 30, 2019 12:30:16 GMT -5
Unless I can find a deal of a very lightly used car, my max will probably be $30k. I want a crossover so my tall ass doesn't have to do squats to get into my car anymore. And with the one I'm looking at (Hyundai Tuscon) about the only necessary thing I want that may not be standard on all models in the remote start. But hopefully I have a few more years in my car - maybe the remote start will be standard by then.
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NastyWoman
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Post by NastyWoman on Apr 30, 2019 12:34:17 GMT -5
I like nice cars. I'm probably going to spend 60k on the next one (possibly more, depending on what I finally decide to get). I'm retired and did enough traveling while I was working to last a lifetime, so my retirement indulgence is going to be nice cars. Whatever I get, it's going to have all the new safety-related equipment and features and will definitely make future car-purchase decisions on the basis of whatever new options of that kind become available. Those are the features that will help me remain independent for as long as possible. I have been putting $500 to $1000 into the "next car" car fund every month since I bought my last car in 2010, so I'm primarily going to be concerned about the total price of the car and will focus negotiations on that. Since I tend to keep my cars for a while, it is very possible that this might be my last car or at least next to last, so I'm going to get exactly what I want. I think I want a red one this time. Yes, I know I can get a good car with all the features I want for a lot less money, but I like shiny things and really nice interiors and find the groveling obsequiousness of the staff at luxury car dealerships to be entertaining. Women like me achieve a level of invisibility that reaches superpower status as we get older, so we tend to have a soft spot for businesses and people who actually acknowledge our existence. NO, NO, NO, NO!!! You can't do this to us → your next car has to be PURPLE
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tskeeter
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Post by tskeeter on Apr 30, 2019 12:39:31 GMT -5
What's the most you are willing to spend on a vehicle? Is it more about sticker price, monthly payment or total out of pocket? DH and I rented a Chrysler Pacifica Hybrid recently and quite liked it. MSRP is $49k. I can't. I mean, if we wanted to we could find a way to make it happen, but mentally it's a "no". I just can't rationalize spending that much on a car. We are considering the Kia Niro Hybrid for $24k. $30k would probably be my max if the car ticked all the boxes. Maybe I need to consider that some cars retain some value after purchase, but we tend to drive ours until they are <$5k. Isn’t it all about total out of pocket for YMers? The more a car costs, the more you pay for things such as interest, registrations and insurance. So, that fancy gold trim package isn’t a one time cost. It costs you a little bit more every year you have the car. What I’m willing to pay depends on the vehicle. The Sienna, with AWD came in at $32K out the door, while the Camry was about $23K.
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cktc
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Post by cktc on Apr 30, 2019 12:41:47 GMT -5
I like nice cars. I'm probably going to spend 60k on the next one (possibly more, depending on what I finally decide to get). I'm retired and did enough traveling while I was working to last a lifetime, so my retirement indulgence is going to be nice cars. Whatever I get, it's going to have all the new safety-related equipment and features and will definitely make future car-purchase decisions on the basis of whatever new options of that kind become available. Those are the features that will help me remain independent for as long as possible. I have been putting $500 to $1000 into the "next car" car fund every month since I bought my last car in 2010, so I'm primarily going to be concerned about the total price of the car and will focus negotiations on that. Since I tend to keep my cars for a while, it is very possible that this might be my last car or at least next to last, so I'm going to get exactly what I want. I think I want a red one this time. Yes, I know I can get a good car with all the features I want for a lot less money, but I like shiny things and really nice interiors and find the groveling obsequiousness of the staff at luxury car dealerships to be entertaining. Women like me achieve a level of invisibility that reaches superpower status as we get older, so we tend to have a soft spot for businesses and people who actually acknowledge our existence. NO, NO, NO, NO!!! You can't do this to us → your next car has to be PURPLE Looking for purple cars is my car game with DS. They are extremely hard to find! It makes me want to get a custom paint job or a wrap on my next car. My current is a bright blue and even that is hard to find anymore.
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NastyWoman
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Post by NastyWoman on Apr 30, 2019 12:44:18 GMT -5
I tend to buy my cars new, and drive them until they are dead. I just got my 2007 Forester detailed, it looks good and is still in excellent mechanical shape. I can see it easily doing another 5 years, unless I get in an accident. I think I paid $22k for it in 2007. When it comes to replacing it, I will probably go up to $35k and pay cash. My car payment has been going into savings for 7 years now. . My poor little Versa was retired ahead of me last week. For sh*ts and giggles I had been looking at my "retirement car" the last year or so and I and Dsis2 (who I travel with) had decided that a small SUV would be fun for long trips. Well, I now have a used 2018 Nissan Rogue as of last night ($18.5k). And while I like the car I really wish I could have waited a few more years before buying it.
I had the same approach to the car payments as Mich→ a replacement fund so I paid cash and will now start rebuilding my fund.
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dannylion
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Post by dannylion on Apr 30, 2019 13:04:15 GMT -5
I like nice cars. I'm probably going to spend 60k on the next one (possibly more, depending on what I finally decide to get). I'm retired and did enough traveling while I was working to last a lifetime, so my retirement indulgence is going to be nice cars. Whatever I get, it's going to have all the new safety-related equipment and features and will definitely make future car-purchase decisions on the basis of whatever new options of that kind become available. Those are the features that will help me remain independent for as long as possible. I have been putting $500 to $1000 into the "next car" car fund every month since I bought my last car in 2010, so I'm primarily going to be concerned about the total price of the car and will focus negotiations on that. Since I tend to keep my cars for a while, it is very possible that this might be my last car or at least next to last, so I'm going to get exactly what I want. I think I want a red one this time. Yes, I know I can get a good car with all the features I want for a lot less money, but I like shiny things and really nice interiors and find the groveling obsequiousness of the staff at luxury car dealerships to be entertaining. Women like me achieve a level of invisibility that reaches superpower status as we get older, so we tend to have a soft spot for businesses and people who actually acknowledge our existence. NO, NO, NO, NO!!! You can't do this to us → your next car has to be PURPLE If the car I decide to get is available in a nice eggplant, I might consider it. Unfortunately, purple is apparently hard to get right in cars, so when purple is available, it is not always something even the most die-hard fan of purple finds acceptable. I'd love a white car with eggplant leather interior, but that's not going to happen without spending way more than it would be worth to me, so it will remain a dream. Whatever I get, I am not even going to consider trying to keep up with the neighbors. The rest of us (well, except for that one guy) are happy to concede the car-status competition to the two doctors who live across from each other up at the top of the street. One of them bought a Maybach a couple of years ago, and the other guy got a Bugatti this year. They win.
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swamp
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Post by swamp on Apr 30, 2019 13:06:25 GMT -5
My last Honda Odyssey was about $37,000 in 2014 or 2015.
I winced at the price, but I am willing to pay for the options I want.
Right now I'm seriously considering getting a new car, probably a Pilot. My current van has 115,000 miles on it. Or maybe lease a fun car. I don't know. I have the money, I just don't want to spend it. I'm cheap. It's all YM's fault. 10 years ago I just would have bought the new car.
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resolution
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Post by resolution on Apr 30, 2019 13:21:57 GMT -5
I just bought a Subaru Forester for $29k. I hadn't realized how expensive cars were until I was in the market for one, and then I made things worse by getting a nicer trim level with all the options. I had to pay cash to keep my husband on board with the purchase, regardless of the low rates that were offered for financing.
As far as insurance costs, for some reason my insurance is saying that the 2019 Forester will only cost $6 per year more than my 2006 Tiburon, so go figure.
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TheHaitian
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Post by TheHaitian on Apr 30, 2019 13:26:11 GMT -5
30k is my max...35k if I really like it!
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Post by The Walk of the Penguin Mich on Apr 30, 2019 13:26:38 GMT -5
I tend to buy my cars new, and drive them until they are dead. I just got my 2007 Forester detailed, it looks good and is still in excellent mechanical shape. I can see it easily doing another 5 years, unless I get in an accident. I think I paid $22k for it in 2007. When it comes to replacing it, I will probably go up to $35k and pay cash. My car payment has been going into savings for 7 years now. . My poor little Versa was retired ahead of me last week. For sh*ts and giggles I had been looking at my "retirement car" the last year or so and I and Dsis2 (who I travel with) had decided that a small SUV would be fun for long trips. Well, I now have a used 2018 Nissan Rogue as of last night ($18.5k). And while I like the car I really wish I could have waited a few more years before buying it.
I had the same approach to the car payments as Mich→ a replacement fund so I paid cash and will now start rebuilding my fund.
For me, my Forester is the most comfortable to both be a passenger in, and drive. TD has both an STi (The Beast FINALLY came home from the mechanics after 8 months) and a Miata. Both have a standard transmission, but the STi now has a racing clutch, which is more temperamental than a 14 year old girl with PMS. It is a bitch to drive. The Miata, easier (and a hell of a lot of fun) for me to drive but watching me get out of it should be taped and submitted to America’s Funniest Home Videos. So my next car will also be another small SUV. I was in the Audi/Porsche/VW dealership and saw the little Audi SUV. Sooo cute, but about $10k over what I would want to pay, plus would have higher maintenance. Not sure it would be worth it.
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movingforward
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Post by movingforward on Apr 30, 2019 13:31:06 GMT -5
Unless I can find a deal of a very lightly used car, my max will probably be $30k. I want a crossover so my tall ass doesn't have to do squats to get into my car anymore. And with the one I'm looking at (Hyundai Tuscon) about the only necessary thing I want that may not be standard on all models in the remote start. But hopefully I have a few more years in my car - maybe the remote start will be standard by then. I have a 2012 Hyundai Tuscon and really like it. I bought it at Carmax in 2014 with only 23K miles on it and it has been a good car. My plan is to keep it another 1.5 - 2 years. I get the 7 years itch when it comes to cars.
Right now I am trying to decide if I should replace the front windshield. It has a crack about 18 inches long (not really sure where it came from). I am hoping they might just be able to do a repair but I have a feeling they might not. Since I am keeping it for a while maybe I should just get it replaced if needed . I think I am just being cheap...
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souldoubt
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Post by souldoubt on Apr 30, 2019 13:32:34 GMT -5
I owned my last car for 12.5 years and would still be driving it if the transmission didn't start to go. Replaced it with a certified pre-owned CRV that was 17K before taxes, fees and so on. At times my "dream" car that I could afford if I really wanted to were the WRX and now a Jeep. I'd like an older manual Jeep and once my car is paid off in less than 3 years I may give in to my midlife crisis and find one I can use for an every day driver when it's just me in the car. By then though I could be wanting something else but ultimately I know I want a stick shift again.
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steph08
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Post by steph08 on Apr 30, 2019 13:34:23 GMT -5
I think $30k is about my max. Which is sad because I want a brand new Volvo XC90. Right now, I drive a used 2010 Honda Odyssey that I bought in 2017. It has 110k miles. I'm driving it forever because I LOVE MINIVANS! I will never lease.
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movingforward
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Post by movingforward on Apr 30, 2019 13:37:58 GMT -5
My last Honda Odyssey was about $37,000 in 2014 or 2015. I winced at the price, but I am willing to pay for the options I want. Right now I'm seriously considering getting a new car, probably a Pilot. My current van has 115,000 miles on it. Or maybe lease a fun car. I don't know. I have the money, I just don't want to spend it. I'm cheap. It's all YM's fault. 10 years ago I just would have bought the new car. What about the Corvette?
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dannylion
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Post by dannylion on Apr 30, 2019 13:41:39 GMT -5
. My poor little Versa was retired ahead of me last week. For sh*ts and giggles I had been looking at my "retirement car" the last year or so and I and Dsis2 (who I travel with) had decided that a small SUV would be fun for long trips. Well, I now have a used 2018 Nissan Rogue as of last night ($18.5k). And while I like the car I really wish I could have waited a few more years before buying it.
I had the same approach to the car payments as Mich→ a replacement fund so I paid cash and will now start rebuilding my fund.
For me, my Forester is the most comfortable to both be a passenger in, and drive. TD has both an STi (The Beast FINALLY came home from the mechanics after 8 months) and a Miata. Both have a standard transmission, but the STi now has a racing clutch, which is more temperamental than a 14 year old girl with PMS. It is a bitch to drive. The Miata, easier (and a hell of a lot of fun) for me to drive but watching me get out of it should be taped and submitted to America’s Funniest Home Videos. So my next car will also be another small SUV. I was in the Audi/Porsche/VW dealership and saw the little Audi SUV. Sooo cute, but about $10k over what I would want to pay, plus would have higher maintenance. Not sure it would be worth it. Almost bought that little Audi SUV last year. I was very tempted until I researched the maintenance costs, which turned out to be a deal breaker. Apparently even routine things like an oil change run into the hundreds, which was just too much. Maintenance on my Cadillac is less than $100/year (done at the dealer), so it is hard to understand why it should be so much higher for the Audi. Sure was cute, though.
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justme
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Post by justme on Apr 30, 2019 13:53:37 GMT -5
Unless I can find a deal of a very lightly used car, my max will probably be $30k. I want a crossover so my tall ass doesn't have to do squats to get into my car anymore. And with the one I'm looking at (Hyundai Tuscon) about the only necessary thing I want that may not be standard on all models in the remote start. But hopefully I have a few more years in my car - maybe the remote start will be standard by then. I have a 2012 Hyundai Tuscon and really like it. I bought it at Carmax in 2014 with only 23K miles on it and it has been a good car. My plan is to keep it another 1.5 - 2 years. I get the 7 years itch when it comes to cars.
Right now I am trying to decide if I should replace the front windshield. It has a crack about 18 inches long (not really sure where it came from). I am hoping they might just be able to do a repair but I have a feeling they might not. Since I am keeping it for a while maybe I should just get it replaced if needed . I think I am just being cheap... Yea my friend had a 2013 he just replaced with a 2019 (or maybe 2018). I drove down to Miami with him in the thing so know it's a comfy ride. I've had the itch for a new car for a few years, I've just so far been too cheap and would rather vacation a lot. Does your insurance not cover windshield repair for free? I know is mandated in Florida - they've filled 3 chips and I just got a fourth last week I need repaired. Yay road construction.
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tskeeter
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Post by tskeeter on Apr 30, 2019 13:55:41 GMT -5
I'm not a car person and I've been a person that buys a car and then keeps it for a VERY long time (last one was 14 years old when I sold it and it was my main car for 12 of those years). I'm now getting to the point that I'm getting sick of cars after a point. Part of it is that I bought my last car in a huge rush (daughter wrecked her car and I thought it was totaled). I've hated it since the day after I bought it but since I bought it I'm stuck with it. I'm considering leasing in the future. I might only do it once but it will force me to stop being so F'n cheap and get a nice, shiny, new car every few years! Yes, I know it is more expensive in the long run but I make a lot of money and can afford it....just have to get past the mental block! I don't know the cost of cars. Like I said, I have a car that I hate and my payment is something like $350/month (over way too many months- but the interest rate is really low so I drag it out). ETA: I know the cost of MY car!lol I just don't know what it would cost to get a car that I don't hate. BF keeps telling me to go buy something I like but I haven't yet. Being duly notified that you insist on spending frivolously, we find we must request that you turn in your YMer card. Not only do you plan on buying a new car, rather than a perfectly serviceable two to three year old, low mileage, impeccably maintained unicorn, you plan on leasing that new car, and then you plan on doing the same every few years for the foreseeable future. Despite your financial status as a near 1%er, your spendthrift tendency is beyond all comprehension and in obvious conflict with YMer values. We look forward to receipt of your YMer card at your earliest convenience.
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