would you spend money on a car if you didnt have the money now? (vehicle, auto)

[tropolis]

i dont have the money for it, but am interested in the vehicle.

i think i could get financing. im going to have a windfall of income in a couple months and want to use that for a vehicle.

what would you do in my situation.

thanks.

[NJGOAT]

You want financial advice or car advice?

The financial advice would be don't count your chickens before they hatch. When you get the money, then spend it in whatever way you deem necessary. Well, the REAL financial advice would be to invest the windfall, lol.

On the car side, if this is a great deal on a car that has everything you want, then go for it. Finance it if you have to and then just pay it off when the money comes in.

[tropolis]

Originally Posted by NJGOAT

You want financial advice or car advice?

The financial advice would be don't count your chickens before they hatch. When you get the money, then spend it in whatever way you deem necessary. Well, the REAL financial advice would be to invest the windfall, lol.

On the car side, if this is a great deal on a car that has everything you want, then go for it. Finance it if you have to and then just pay it off when the money comes in.

its an audi s4 with 98k miles on it going for 18,000
what do you think?

[duster1979]

As a rule, if I absolutely needed a car and didn't have the money I would finance the least expensive car that would suit my needs and pay it of as soon as possible.

If I wanted a car and didn't have the money I would take a cold shower and try to save the money.

Your case is a little different, though. If this is money that you know absolutely for a fact that you will be getting, as in the dotted line has already been signed on and you're just awaiting the payout and know how much you will be getting, and the car you really want is something that's hard to come by and you've found exactly the one you want, then I see no real harm in taking out a short-term note and paying it off when you get your windfall. That is, assuming that your finances are otherwise under control and there isn't something more urgent that you should spend the money on.

If you're counting on something like the Iraqi Dinar revaluing, I would suggest waiting until you have the cash in hand before spending it.

[Thinking-man]

Originally Posted by tropolis

its an audi s4 with 98k miles on it going for 18,000
what do you think?

what year?

[johna01374]

An Audi with 98K on the clock for $18,000... Ummmmmmm NO... And I don't care what year it is...

I wouldn't buy an Audi with 98K on the clock for $5000. It's not that they are bad cars because they really aren't that bad. It's just the maintenance costs are very expensive and the cars are very difficult to work on... At 100K you're most likely looking at a couple to a few thousand dollars of needed service...

Find something else.

[tropolis]

Originally Posted by Thinking-man

what year?

04 2.45 percent financing.

2004 Audi S4 Quattro w/Aluminum Package 2.45% APPLY NOW!!!!!!!!!!!!!!!!! (http://minneapolis.craigslist.org/ank/ctd/2492547621.html - broken link)

[trlhiker]

I would say find something else. Thats alot of money for a 7 year old car with almost 100K on the clock.

[tropolis]

was also looking at this, since it is a lot of miles.

i can get this cadillac sts 2005 for the same price essentially and 30,000 less miles.

2005 Cadillac STS w/Low Miles $17,488 - Axtman Auto Sales Oakdale Minnesota 55128 (http://www.axtmanauto.com/vehicle/3318422/2005-Cadillac-STS-wLow-Miles-Oakdale-Minnesota-55128 - broken link)

thats a damn nice looking vehicle that STS.

[manderly6]

That certainly doesn't sound like a good deal.