Well, I could have fixed the 94 instead of getting the 03. I'd be without a car payment and my insurance would be $90 cheaper each month. Originally that'* what I wanted to do. But I had two cars at that time. I needed to get rid of the Sebring.
I do not regret my decision to get the 03. It got the darn Sebring out of my hair, and IMO I was wasting money on the Sebring paying $230/mo. when I was not even driving it for a whole year. The price of the 03 was too good to pass up, and the payment is only $29 more a month than the Sebring – only because my interest is higher due to a dip in my credit score last year.
I have the car I've wanted for years. But I can afford it, and I put away the equivalent of 12% of my income to my 401K every paycheck, with a higher risk plan for investment. Since I'm young I think I'm making a good start.
It was pretty scary though when a spokesperson for the 401K company came in and we looked at what kind of savings we would most likely need when we retire.
I hope the funds I'm investing in do well!!