Might be getting rid of the Z.

Ubetit

I see things a little differently. A decrease of $150 a month in car payment isn't enough. You don't need to get rid of a toy car to buy a toy truck, you only need a daily driver. I don't understand the need to jump right into another new car payment. I see two scenarios and neither would involve a new car if you are considering a house.

1. Sell the Z and keep your Versa. Versa goes fine in snow like all the other FWD vehicles. Even better when equipped with snow tires. Uncool car?... only if you care what other people think.

2. Sell all your cars, get one USED small SUV or pickup truck.

Wait until your finances settle down after some time living in a house. Houses and the stuff you fill them with aren't cheap. I've had more than a few friends learn that lesson. Live below your means, pay cash for everything other than your house and take vacations for heavens sake.