Before I go there, though... I wanted to give a hug hug to my entire f-list. Your love and support meant a great deal to me in dealing with my bone problems. My mental attitude is so much better now - more calm and stable, and the therapy and everything is helping. It's still hurts, but not as excrutiatingly. Much more manageable. Thank you all so much! I know I didn't get to responding to everyone towards the end, because I was still feeling very fragile, but know that I took to heart every single one of your words of encouragement.
THANK YOU!
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Well, I think we may have found a car.
Yesterday, taking advantage of the rental car we had and some time to kill, we made our first visit to a car dealership. A Subaru dealership. The 2010's suck - they made the Outback WAY bigger and now it's a behemouth. But we weren't looking for a 2010. We were hoping for a 2006-2008 with low mileage (under 40k). We were also hoping for something in the $12,000 range even though we knew that would be close to impossible.
But hey, I've never even been in a subaru. I felt like I needed it to give it a whirl before I committed fully to it being my dream car (as it was in my head). We test drove a 2007 for $19,990 with 20k miles on it. I remarked that I was surprised that it was only $1-2,000 less than two of the 2009's they had on their lot. The guy didn't give me any real good answer for that, other than it has some heating things that would be good if we lived in Minnesota (heated side-view mirrors, for instance).
Anyway, we took the 2007 for a spin, assuming it was WAY out of our price range. OMG! It was so lovely!!! It handled so so so wonderfully, had really nice pick-up, braking, etc. <3 So, I let the sales guy talk me into sitting down and going over financing. Now, I'm a tough cookie. I knew there was no way in hell we'd be walking off the lot with this car. But I figured it couldn't hurt to know where we were at.
First, I told them that the car was too much. Way too much. So they knocked off $1000. Meh. Thanks. It's a certified pre-owned car with only one other owner. They have a fantastic warranty - 6 years, 100,000 miles (we'd get to the 6 years before the 100k miles).
Then, I asked what interest rate they could give us. I knew from my research that the credit union loan we were hoping for was around 10%, and my idea about car dealerships is more in the 18% range. Wrong. He came back with 4.49% even with the dings we currently have on our credit. (Lets not talk about those).
So the monthly payments are around $250 for 72 months with $3000 down (we had intended to put $5000 down, but he doesn't need to know that yet). Well, I don't know why, but I was surprised. I was aiming for monthly payments of $200 and this wasn't that far off (for the same # of months).
So.... it got me thinking....
Well, what about that 2009 that's only $1000 more and has the same mileage? I told them I wanted the 2009 for the same discounted price as the 2007 ($18,990). Heh heh heh. They're going to have to ask the owner of the company and I'll know today.
The 2009 has some added benefits. Let's start with the fact that it's practically brand new. One owner - the Montana DMV (which leads me to believe it's been well maintained). The 6 year warranty starts from the birth of the vehicle, so being a 2009, we'd have 2 more years than the 2007. It doesn't have tinted windows (which I hate and the 2007 has). And... well, shit. I dunno. It seems like a good deal to me.
I'd never do the 2007 at 18990 because I know I can get a better deal, but the 2009 - not so much. I looked last night and couldn't find even one that was less than $23,000.
Now I am agonizing over should we or shouldn't we. AGONY!!!!
(This is it! Color and all!)
