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Probably our car. It's a great car, I spent weeks researching the perfect car for us. I love it and I'm grateful every time I drive it, but we bought it on credit and it's way out of our price range to buy. It'll take us about 6 years total to pay it off.
I still understand my decision at the time, but it was driven by a specific chain of events that made it make sense, and in principle I'm against buying a car on credit, just buy an older reliable car you can afford.
Nah I’d say that’s a good purchase. I just bought a new car on credit too because I’ve had pretty bad luck with buying used cars before. They always required quite a lot of work to get running and then something breaks and repairs are needed again. Case in point the current car's AC system broke down a little while ago and after all the repairs that were done already I have a feeling that getting the AC repaired would mean I’ve paid more in repairs than to buy the car. And that’s just not worth it. So I decided to take out a little credit and just buy a new car instead.
It can be a good purchase and still be irresponsible, IMO. I love that car and it will serve us for years to come, I don't regret it. We could have gotten a much cheaper new car, for example, but at the time we decided our biggest value for money was the car we have now.