Jennifer's Live Journal ([info]shiraz_gypsy) wrote,
@ 2006-12-11 16:05:00
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To keep the Mustang or not to keep the Mustang, THAT is the question

So, I've got a bit of a financial dilemma, and I could use some advice.  Chris and I have two cars - a Jeep SUV and a Ford Mustang.  Chris thinks we should sell the Ford Mustang because it is not a "family car".  I must admit that it would be difficult getting a baby seat in and out of that car.

However, I hesistate to get rid of it and buy another car for a couple of reasons. The main reason is that the car will be paid off in a year, and then I will have extra money in my pocket.  No matter what, if I sold the Mustang and bought another car, I would have another 5 years of payments, which I REALLY don't want to do.  There is absolutely nothing wrong with the Mustang; its in perfect running order.  It has less than 60k miles on it - really good for a 6 year old car.  Besides, with Chris working nights, and having his own work vehicle, its really only me driving a vehicle. The other vehicle stays in the garage and rarely gets driven. I don't want to pay another 5 years of payments for a car that sits in the garage!  Since the Jeep IS a better family vehicle, I vote that whoever has the baby, gets the Jeep.  The other person drives the Mustang.

What are your thoughts? Get rid of the Mustang for something more "family friendly"?  (Or at least something with 4 doors so I don't have to bring the baby out through the trunk?)  Or, keep the almost-paid-for Mustang until it falls apart?


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[info]emalia
2006-12-11 10:05 pm UTC (link)
If you have a baby friendly vehicle available, use it.. Since you have two cars, and one will be paid off, may as well keep it. There is no sense in getting rid of a vehicle, just to be upside-down in a more family friendly vehicle, when you already have a family friendly vehicle.

You should keep it.. That way there is something for both to use in case he doesn't have a cruiser at the time. Also, what if one of you is home, the other is out with the baby.. There is no reason to be stuck at home!

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[info]llamaturgy
2006-12-11 10:10 pm UTC (link)
Why would you have another 5 years of payments? You could sell the Mustang and put that money down on the new car, resulting in either 5 years of low payments, or fewer years of the same payments. Mix that money with some you've got lying around, and poof.. new car. That being said, I can't see the dilemma. As long as you two think you'd handle making sure your vehicles were always coordinated, I don't see why you couldn't keep the Mustang.

Obviously, once the baby is born your driving habits will change. It's just a matter of how likely you think it is that they'll change enough that you need two baby-capable vehicles at the ready at any given moment. Heck, you could always rent a car in a pinch, I guess. Even if it's something crazy like $400 for a weekend, how does that compare to the payments on a new car? This would be for those times that, say, the Jeep was unavailable due to car repairs or something, which is a valid reason to make sure there are two baby-hauling certified cars around.

I know I hemorrhage money when it comes to things like games, books, and some electronics, but in most other things I pinch my pennies. In this case, I wouldn't feel I had enough reason to buy a new car, personally. On the other hand, I pour money into my computer but have a 27" TV, so our opinions obviously differ on some things dealing with money and the management thereof ;)

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[info]rainkat26
2006-12-12 07:22 pm UTC (link)
If your SUV is baby friendly, then I would not sell the Mustang yet. Especially if you're only a year away from 1 less payment. Maybe if you have 2 car seats, 1 for each vehicle, then you would not have to worry about getting 1 in & out so often.

Plus, once that car is paid off, the baby might be at an age for day care or something (not sure what you're arrangements are on that one)... but, you may need that "car payment" $ to pay for something like that.

Only until recently, my sister has had only 1 2-door car for 2 adults & 2 car seats. They've managed to make it work with little problems. So, I would see no need to go thru the hassle of selling/buying/payments...

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[info]mars_reiko
2006-12-13 11:57 pm UTC (link)
Personally, somedays I regret giving up my camaro for a mini van. I do love my van, don't get me wrong. There's just something about the power behind the camaro/mustang. You know?

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