I put down zero :banghead: since I had no trade. Payment was going to be $450 plus $75 per month for insurance.

AND, because I bought it in New York and then registered it here in Maryland, I had to pay taxes, title and tags seperately. That was almost two large out of pocket instead of rolling it into the financing. Add to that the home equity we got last summer to put in a pool has now doubled thanks to the Fed. raising rates at every opportunity for the last year. AND, the electric company here raising rates through the roof. We turn off lights when not in rooms, etc. but our bill last month was still almost $300!! Family of three. That's $100 more from last year. What was looking like a stretch to begin with, turned scarey once we were home and the euphoria of finding an available car wore off, and we were trying to figure out how to pay for it. We are usually conservative and careful with our finances. But wanting, nay, needing this car blinded us, and we jumped into mirky waters. Honestly I was worried we would have to turn around and sell it. So, on Friday we are refinancing and dumping all the debt into a new mortgage. Say what your will, but it works out well for us since the new interest rate is only a tad over 6%. We have been in this house only three years and it has appreciated rather nicely almost doubled.:willy: Not planning on going anywhere soon. So I say to all of you out there still waiting, sit down and calmly crunch the numbers. You do not want to be where I was and happy you had the car but worried about how to pay the bills.