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Old 03-20-2009, 04:31 AM   #1
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AHHHHHHHH Confusing car situations

Don't flame me for this, it's an honest question. I love my car.

Okay, my car is almost completely paid off and I haven't made any crazy investments (like turbo) or anything...

I have been looking at the 2005 STI's are a doable price, low mileage cars are around $21k

I know the trade in value of the SVT is around 7k which isn't magnificent but I figure I could possibly sell it for more to a private party.

Would it be worth starting all over with the car payments and such to get the STI? They are a great platform to mod off of, they are 4 wheel drive, have decent interiors and are great cars. They can achieve much higher power than foci can (within reason... I know you can get a focus to have over 500hp but it takes tens of thousands of dollars).

I figure I'll wait for the right one to show up and I'll get it. What do you guys think? I'm currently paying 425/month for my SVT and it'll be done by summer time. I could keep my car till i graduate college (another 3 years, yay 5 year plan!) and then settle for a decent car. Or I could have fun and do it now.

Should I get the STI and keep making car payments or should I pay off my focus and live with it for a few more years?

Chances are if I waited till after college to get a new car, I'd probably end up keeping the Focus as a classic. It will be a classic in 20 years, I guarantee you.


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Old 03-20-2009, 06:26 AM   #2
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Of course the answer depends on your financial situation, but with the way things are right now, and the fact that you're in college.......keep what you've got.

Your car is relatively new, almost paid off, and quite capable of lasting you till you're out of college in a more secure financial setting. And who knows what the future holds? You could get married, have kids, lose your job.....whatever.

Not to mention.....the car industry is in a state of flux. The latest and greatest car may still be on the drawing board, and still three years away.

IMHO.....

If you really want to mod your car, there are plenty of cheap mods around that don't cost very much, and give the same feeling of satisfaction as a turbo install....without the associated costs and risks.

And speed.....get it out of your head. It gets you in trouble, and returns nothing of value.
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Old 03-20-2009, 08:14 AM   #3
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Hey Arther, I moved ya here This doesn't belong in the Regionals.

If I were you, I'd keep it. Unless you are completely 100% confident that you will keep a steady income. Keep the SVT anyways to keep 2 cars. Sad that I don't think these cars are really worth to trade or sell anymore, their resale value sucks . How long did you get a loan for, 3 years? Because you're paying about $175 more a month than me, I got your typical 5 year loan. Or did you just have really stinky credit?
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Old 03-20-2009, 09:25 AM   #4
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finish paying it off, and keep it. I am in the same boat as you. I'm in college, almost done, and my car has been paid off for a couple of years now. I was about to jump into a new mustang, but now w/ school expenses, i'm glad i didn't!!!
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Old 03-20-2009, 10:09 AM   #5
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Same boat, in college also. I also want to move on but with the economic situation as it is and the job market ESPECIALLY for people like us its best to hold onto the SVT. Besides with the temptation of easy speed at your feet in an STI you'll be more likely to rake up tickets and spend more than you imagined on aftermarket parts. Not a definite but it could happen.

I'm on another forum with a lot of guys my age and they were in the same boat and traded in their first cars for cobra's, lightning's, bikes, etc. and they plunged themselves into debt paying for parts and tickets. There is a guy with a 9 sec. Terminator, at 19, and he owes MAJOR money on the car to say the least.

Not saying this will happen to you, just a thought. I know how it feels to want something else.
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Old 03-20-2009, 10:18 AM   #6
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I've thought the same thing about my zx3 but I figure id rather be out of college and be more financially stable before I go getting into debt again. My car is paid off, and im able to spend the money I have on mods. I figure its gonna last me through college and maybe beyond but I do want to pick up a diff car when I graduate and get a good job.
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Old 03-20-2009, 10:33 AM   #7
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Quote:
Originally Posted by bluefront View Post
IMHO.....

If you really want to mod your car, there are plenty of cheap mods around that don't cost very much, and give the same feeling of satisfaction as a turbo install....without the associated costs and risks.

And speed.....get it out of your head. It gets you in trouble, and returns nothing of value.
really? what mod gives the same satisfaction as boost? clue...there isn't one.

it doesn't get you in trouble, if you're responsible you can be fine.

i say keep the svt til you graduate and get something ridiculous and new at that time.
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Old 03-20-2009, 10:43 AM   #8
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Yeah that payment seems really high, mines only 277$ and it was a 4 year loan.

I would say get the sti if you can afford it but if not why not keep the focus its a great car. ;)
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Old 03-20-2009, 11:27 AM   #9
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personally i'd stick with the foci if it's gonna be paid off, the money spent on cart payments wouldn't be that fullfilling as taking thart same amount and throwing into the foci..
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Old 03-20-2009, 11:27 AM   #10
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Buy the STI. You will be better off. You will be happier. Your rate will be lower too. And its a way better driving car. And its factory turbo so it starts off with a way better platform.
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