07
Apr
Apr
What do we do about our car?
The wife and I are currently stockpiling money to pay debt but we have a small problem on the horizon. In a few months our lease will expire on one of our cars. Because we are following the Dave Ramsey model, we are adamant that we will not finance another car, instead we expect to pay cash for our next vehicle. It poses a problem because we don’t believe we will have the cash, except for our emergency fund) to pay for a car in full with cash before we have to turn in our current family vehicle. Has anybody else dealt with this dilemma and how did you deal with it?
This really depends on what type of car you are planning to get. In the past, I have been in a spot where I knew I needed a car in a month or two. I was also constrained by a REALLY tight budget. How tight? It would have barely dented your emergency fund.
I started looking in the Pennysaver (which is like a hard copy of craig’s list). I would have both these days and probably many other resources. Eventually, I found a car that seemed reasonable and they were asking $600. I drove it and found it to meet my needs (it wasn’t perfect by a long shot)… talked the person down to $550 and was on my way.
That car lasted over 2.5 years before I eventually drove it right into the ground. It wasn’t a car I would be proud to be seen in but it was a vehicle. It was cheap and got the job done.
You’re probably not looking for something like that. But you should be able to get a pretty reasonable vehicle for under $2k and that will go a long way towards providing cheap transportation until you’re out of debt.
After that car, I decided that I was going to get a nicer car (since I had a new job). I went and financed a used car from a dealership. I just paid it off this December and I regretted it the entire time. If I had taken my time and found another car under 3-4 grand, I wouldn’t have had any payments during that time period. I could have been much better off with my other debts.
Oh well, live and learn.
April 7th, 2010 at 8:38 amGreat points Kevin. I think we need something a little “safer” and reliable as we have young kids and this will be my wife’s transportation, but we won’t be spending more than 4k-5k and don’t plan to ever finance a car again. Thanks for reading.
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