So, needless to say, I have big plans. Big expensive plans.

I want a new garage, a new kitchen, a couple new bathrooms, a new yard, a hockey rink, and a new car — not necessarily in that order.

I can’t afford anything on that list, though.

But I’m not going to let that stop me because, well, then I’ll likely never get any of them accomplished.

Thinking more short term, I think the car purchase will come first.

Now, as I’ve said, I can’t afford to go out an spend $20k+ on a car but the reality is that we need a car and, well, that’s how much cars (read: Used MiniVans) cost.

Everyone else is doing it, why not me?

I can swallow my pride, finance much of the cost, and have car payments like “everyone else”. I don’t want to, but I can.

And that got me thinking, “Wow, it’s been nearly a decade since I last financed a car.”

But you know what?

It was easy.

Easy to get *and* easy to pay for. And, at the time, I was routinely carrying $20k worth of credit card debt on top of everything else.

And I made it work so, realistically, I have nothing to be afraid of now.

I’ll just have a car payment like “everyone else”.


  1. Don’t do it! My wife and I were saving for quite a while for a new (also ill-advised, but you’re on the right track looking at lightly used) car and we justified financing the remaining third when we got impatient around Black Friday of 2011. We were both looking forward to paying cash, and while we got a fair rate, at the time, on the remainder (2.49%), part of me was really looking forward to hitting that milestone and deeply regrets our childish impulsiveness. All we have left now as a goal is paying off the house before up sizing… and we’re going to do our best to hold our ground and stay put until the bitter end! It would be so easy to talk ourselves into something much sooner though, buying power has never been so high, interest rates are the lowest we’ve seen, blah, blah, blah. Hang in there, you can do it the unconventional way. It’ll pay dividends eventually – it has to, right? Insert tortoise/hare and/or ant/grasshopper or whatever your choice of parable may be here.

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