[QUOTE=Urzakor;747956]if its the same loan length, its only an extra $360 in difference between the last loan and this loan.

Its an extra 6 months on the new loan, but to me it's worth. They even said since I have the extended warranty...they'll take that $1,000 and use that as a down payment or I can take the cash and have a little higher of a payment. I liked the sounds of that

And me and you can flirt with our cars and never be jealous :excited:

:facepalm:

Yeah because buying a car is anywhere comparable to a party :ugh:

Sometimes the cold hard math makes it seem worse than it is.... Sure in some objective sense you're losing (probably) quite a bit of money, but if you're the sort that always has a car payment anyway and if there's no additional down payment involved, it's almost like you're just refreshing a lease.

Just tell your hubby that even if you waited until you payed off the old Z, it's not like the money each month you've been paying in payments is going to be freed up ... you'll just get a new car then anyway. :tup:

I'm gonna side with hubby on this one. It's just financially a stupid decision to trade for the same car but different color. Please don't do it.

What happens with tax and title though? That could be a pricey 'extra' cost.

Ahhh, yes. You have to plant the seed, water, fertalize, fertalize, and fertalize before you can harvest. The roadster purchase was about a 10 month crop. :ughdance:

Really though, my wife and I don't make any big purchases without serious mutual consideration.

Am I the only one who thinks personal information like this should be kept off a public forum?

^ no... Were the Z family ;)

You basically just agreed with me but I know you didnt mean to. I'm just saying personal issues such as marriage arguments, etc, should be kept private. There isn't really a reason to publicize it and it could only cause further problems. Besides people you dont know personally dont need to know your business.

Trade in both. You only live once.

Another thing to think about is that your current Z is worth more now than it ever will be. Each day and each mile driven it drops in value. Maybe you can work out a deal that if you sell it, rather than trade it in, your husband will let you buy the one you really want.

I too pamper my motor vehicles (Hummer, Z, sportbike, dirtbike, and atv). I just tell my wife, it's either this or a mistress, your choice. :icon17: She understands.

Nothing wrong with trading for what you want if it's worth it to you. So what if you lose some cash in the process. If it's what you want, go for it. People lose cash all the time with no real benefit (i.e. smoking, drinking, gambling, sporting events). Too me, those example are a complete waste of money, but to some they are very important. Different strokes. It's your money, spend it how you want.

Good luck, I hope you can work it out.


WGW

The Tax and title gets worked into the loan amount. You don't pay that on the side (unless you wanted to). That's why people grind on Out the Door price (I hate that term by the way).

Also Sophia, since your cancelling the warranty, you lose out on that too on the next car. it's $6/month and the warranty that you had on your car. Also the time issue - you'd be making payments for another 18 months over what you had originally planned for.

It doesn't look like you keep your car for long anyway though so I'd just cancel it regardless and pocket the $1000. you're covered for 3/36,000 and 5/60,000 from factory.

If you want my advice, if you aren't too deep in the hole of what they're giving you and what you owe, think about a lease. It looks like you're fine with always having a car payment but with a lease, it's easier to get out of a car near the end and your payments are lower. I don't think the lease programs for a Z are great, but its better than continually rolling negative equity because you'll eventually hit a point where the banks won't finance you anymore.

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I hope he doesn't read the Forum. Might get things really heated between you two if he peeped in here. Good luck with your z deal though.:tiphat:

This.

Im on here for advice on my car.... not asking if I should get a divorce. Thanks for your info tho on this topic.

You have so many mods! How will you get them switched over, and the black Z back to stock? Just curious...the task would overwhelm me.

This my wife too.

Keep talking to your husband about the new Z. I bet he will come around eventually.

I'm stuck here in the Dear Abby forum. Can someone direct me back to the 370Z forum?

Boo-hoo. I hope u find ur way, just follow the yellow brick road

I cannot believe just how many irresponsible children there are on the board urging someone on to make a financially self destructive impulse purchase.

If you already have negative equity on your present car, there is no way in hell you should be buying another one (the same car no less with some fancy bits and a different color).

"It's just another $6 dollars a month!" No it is not just another six thousand dollars a month. Figuring in your monthly payments made on your existing car as well as the down payment, you've probably already paid close to 10k that you will never get back.

A car is not an asset, it is a liability. Borrowing money and paying interest on a constantly depreciating item is stupid and irresponsible which is exactly why car dealers love to do financing, because they see a sucker. I would recommend saving all your pennies and buying every car with cash in full but the majority of Americans no longer seem to have any self control.

I'm sure you don't appreciated to be lectured on the internet by a complete stranger but do yourself a favor and listen to what your husband says. He actually has your interests at heart as opposed to the car dealership.

I'm sure you fell in love with your Black Z, that's why you bought it. A year later another color is "calling your name" and you want to trade-in your beloved Z. How about next year when another color calls your name again... Hmmmmmmm. I'm sure you have a job to support this hobby.

If it makes you happy and and you can afford it, tell everyone to shut it.

Personally i wouldn't get another car if i was still paying on the current one i have, kinda just seems that you would be going backwards on that. From personal experience it's not something i would ever want to do again, when i first started driving my first car was a 2002 Altima 2.5 that i really enjoyed, but i got suckered into trading it in for a 2005 Altima 3.5 and because i didnt know about negative equity at the time i ended up owing close to $40k on a car that should have only cost a little above $20k. Long story short i ended up having to have the 3.5 altima repo'd a few years later and thats why im stuck with a chevy cobalt LS for the time being. Trust me going into the hole with debt is absolutely not worth it just cause you see something you want and have the means to get it, but if you can truly afford it and are able to make the payments to get it out from under you then by all means do what you want.

Modding your 40K car with 5k rims, 4k body kit, 3k stereo , oil cooler, exhaust etc.. is not being finacially responsible either but I don't hear a ton of people advising against that. How about buying a house, should we save up for that too or just live with the fact that after 30 years we will pay double the purchase price because of interest. Come on give her a break. She didn't even ask for financial advice or marital advice for that matter. You guys are acting like her father. And women just love that don't they.

I might have a man crush on you.

She's moving up from a base to a touring/sport. Almost a completely different beast.

SophiaZ, play up the safety aspect of the limited slip and upgraded brakes. :) Safety first!!! :tiphat:

I'll take your black Z... you can even take the mods off. And leave the dog hair in; I don't care. I'll give you my Pontiac that I'll be driving for about 7 more years in return! Then you can be wishing you hadn't taken the Z for granted. And you can lube the ISS every 20k miles because it's a flawed design. And you can have put over $2,000 into repairs into a car that has less than 30k miles on it, has been meticulously maintained, and driven responsibly. And you can fall in love with a 4 speed slushbox and FWD all over again. And you'll love the 24 MPG highway because it weighs 3,600 lbs. And all the while you'll wish for your black Z back...
(don't take me wrong, I love my car and am very thankful to have it--I'm just making a point)

but i want blue dammit

I would've came home with a new car if i was you, but im the type of person that does whatever the F i want.

Unless he helps pay for the car, I say go back to the dealership and get it. Tell your husband to get over it or take a fkn hike. If he wants a divorce, hit me up. Ill be your rebound.:usa:

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I would advise against spending thousands on aftermarket accessories if I knew the financial situation of the buyer was perilous, but I don't as people don't generally include their FICO scores in their signatures.

The thread starter however did mention that she had negative equity in her car (and still paying off an 05 Neon no less!) and that her significant other was very much against this purchase. Keep in mind that she does not actually own her present car. The bank owns it, she has simply agreed to take out a very large loan and pay it back at substantial interest for the privilege of driving it.

There is a difference between buying a house and buying a car. For one thing, a house generally doesn't lose 20% of it's value the moment you walk in the door. Nor does it's value depreciate to zero within two decades. Then again, considering the zombified state of the American real estate market and the impacts it has had on the financial sector, a good number of people probably should not have been purchasing houses to begin with. A house is not for everyone and it's price is not guaranteed to go up forever no matter what the commission driven real estate agents might insist. I would have thought people would have learned this the hard way after the ponzi scheme of selling granite counter tops and stainless steel appliances with shitty houses at inflated prices collapsed but apparently not. For some people, it makes more sense to rent as there are opportunity costs involved in taking out a home loan that most people will not understand. Such is the financial illiteracy of the average American that when I tell people this, all I usually get is a slack jawed stare.

I agree that original poster didn't come come here asking for financial advice. She came here seeking validation from others (fools) in her failed attempt to make a very foolish decision. Unlike some men, I'm not here to white knight every random woman on the internet and am willing to speak truth to power. In this case, I'm not telling her what she wants to hear, I'm telling her what she needs to hear.

If that makes me square or "dad"-like at the ripe old age of 27, then so be it.

American :eek:

We are both right.

There's no "safety" advantage in either of those upgrades - and neither of them is good under moderate-to-heavy track use. The base brakes WILL stop your car within +/- 5 ft of the sport brake package in a single-stop, panic-type stopping situation. Guaranteed. AKA waste of money.

The only reason I'd pay for the Sport package is for the wheels and SRM on the 6MT.

But will HE know that? ;) When I said "play" it up I meant exactly that.

I think I love you.

Doubleposting, but yes, have her use deception to make an irresponsible choice. This is a great idea.