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Old 12-28-2009, 09:51 AM   #1
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Unhappy pay cut... have to downgrade

The contract for my job is about up. Good news: I can get hired on full time. Bad news: I have to take a pay cut to do so (but then I get more benefits and such too). I've been able to make my payments so far for my baby, but with the coming pay cut I will BARELY be scraping by. Which means, if something unexpected happens I will be screwed.

So I'm left with very little options here, I'll be looking into a cheaper vehicle. Sooo anyone in Iowa wanna buy a nice 2LT/RS Camaro? Also if you guys have any recommendations for .... lesser... vehicles, I'm up for suggestions. I've been looking at the cobalt, comparing cars on its level (Focus, Mazda 3, Scion tC, etc...) Definitely trying to keep the price point under 20,000.
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Old 12-28-2009, 09:59 AM   #2
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How long can you wait? Cruze is going into production next year. That will give you a lot more car for the money.
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Old 12-28-2009, 10:05 AM   #3
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unfortunately my contract is up next month. So I'll be trying to replace her this month. Dang, that Cruze WOULD be nice too...
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Old 12-28-2009, 10:14 AM   #4
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You could probably pick up a used or new Cobalt for a good price. Focus seems like a decent car as well.

Or you could head down to a Buick-GMC dealer and see if you can find something there from what's left of Pontiac.
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Old 12-28-2009, 10:23 AM   #5
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You might be able to get a good deal on a new Mustang V6 and get it under 20k. Dealers are making great deals on the 2010s because the 2011s will be quite upgraded on both the V6 and V8 models.
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Old 12-28-2009, 10:35 AM   #6
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You could probably pick up a used or new Cobalt for a good price. Focus seems like a decent car as well.

Or you could head down to a Buick-GMC dealer and see if you can find something there from what's left of Pontiac.
oo wow, yeah just took a look at Pontiac's site and they are offering some awesome deals now. Almost forgot about them, thanks!
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Old 12-28-2009, 12:09 PM   #7
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a gto? what type of car are you looking for though? family sedan? or an other car like the camaro? im sure theres a bunch of options out there. the cobalt ss isnt a bad car. now, which cobalt would you want? the 4 door ss? the turbo one? or the supercharged one? the n/a one is okay. not as powerful as the rest.
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Old 12-28-2009, 12:10 PM   #8
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You might be able to get a good deal on a new Mustang V6 and get it under 20k. Dealers are making great deals on the 2010s because the 2011s will be quite upgraded on both the V6 and V8 models.
i thought the 2010 mustangs start at 18g's?
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Old 12-28-2009, 12:11 PM   #9
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oo wow, yeah just took a look at Pontiac's site and they are offering some awesome deals now. Almost forgot about them, thanks!
pontiac has some great cars too. would be awesome to have the last of a dyeing breed ay?
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Old 12-28-2009, 12:32 PM   #10
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i thought the 2010 mustangs start at 18g's?
Which is under 20k.

And the dealerships are giving out very good deals on the 2010s as well. Someone here bought a loaded GT for his wife, and paid well under 30k. That's a steal, and I'm sure the V6s are able to be had for cheap right now as well.
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Old 12-28-2009, 12:42 PM   #11
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If its for a daily driver, I would do the smart thing and get a car you can pay for in full. Having that extra cash each month and the lower insurance each month will help in many ways. For one, it ensures you have cash when needed, but also you can save that extra money and eventually put a nice chunk down on a 2011 Camaro or purchase a used 2010 and have really low payments. I for one wish I could do this but I'm stuck upside down in a high payment for an ordinary car.

If you know enough about cars, you can probably find a good deal from a private seller and get something that runs well for under $3,000. If it lasts you a year, it pays for itself.
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Old 12-28-2009, 01:02 PM   #12
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That sucks to hear man. At least you still HAVE a job though.
Good luck with everything and keep your head up.
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Old 12-28-2009, 01:59 PM   #13
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unfortunately my contract is up next month. So I'll be trying to replace her this month. Dang, that Cruze WOULD be nice too...
I would be nice, but I bet you'd be paying close to what you're paying now. I believe the sticker on that car is going to be pretty high (for a compact car) since it is an electric car. I think a cobalt would be a great downgrade.
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Old 12-28-2009, 02:13 PM   #14
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I would be nice, but I bet you'd be paying close to what you're paying now. I believe the sticker on that car is going to be pretty high (for a compact car) since it is an electric car. I think a cobalt would be a great downgrade.
You're thinking about the Volt. The Cruze is a regular compact car built on the same platform as Volt, but has 1.8L/1.4T engines. It'll cost about the same as a Cobalt today.
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Old 12-28-2009, 02:39 PM   #15
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buy a Terminator
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Old 12-28-2009, 02:42 PM   #16
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You're thinking about the Volt. The Cruze is a regular compact car built on the same platform as Volt, but has 1.8L/1.4T engines. It'll cost about the same as a Cobalt today.
Thanks for the correction
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Old 12-28-2009, 02:54 PM   #17
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buy a Terminator
Can you get one in good shape for under 20k?
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Old 12-28-2009, 04:02 PM   #18
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I should have mentioned: I'll be trading in the truck I have as well, so will be looking for a daily driver. I don't really need the truck, just got it to keep the Camaro in the garage (it's cheap, but it runs). Definitely do NOT want to keep the truck as the gas mileage is worse than I imagined it would be.

Quote:
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If its for a daily driver, I would do the smart thing and get a car you can pay for in full. Having that extra cash each month and the lower insurance each month will help in many ways. For one, it ensures you have cash when needed, but also you can save that extra money and eventually put a nice chunk down on a 2011 Camaro or purchase a used 2010 and have really low payments. I for one wish I could do this but I'm stuck upside down in a high payment for an ordinary car.

If you know enough about cars, you can probably find a good deal from a private seller and get something that runs well for under $3,000. If it lasts you a year, it pays for itself.
Well, I'll at least be able to pay for a good chunk of the car in cash. Just got my $8,000 tax credit back, so that will go into whatever I get as a down payment. I may keep my eye out for a decent used vehicle too though, thanks for the tips everyone!
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Old 12-28-2009, 04:41 PM   #19
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Cobalt? Yuck.
Get a Honda Fit Sport, guaranteed to last longer than any Cobalt, and youll have cash left over.
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Old 12-28-2009, 04:44 PM   #20
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Well, I'll at least be able to pay for a good chunk of the car in cash. Just got my $8,000 tax credit back, so that will go into whatever I get as a down payment. I may keep my eye out for a decent used vehicle too though, thanks for the tips everyone!
Here's another option for you. Sell the truck yourself, use that money and the $8000 to refinance your current vehicle loan, using the cash as a large down payment. Maybe that would put the monthly down to something more affordable. If the money is going into a car, might as well be the one you have so you don't take a loss on the Camaro and you get to keep it.

Depending on how much you owe and what interest rate you have, you could reduce your payments by as much as $200. Even though you've only had it for about 5 months, just about any bank would refinance it for you with a large chunk down.
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Old 12-28-2009, 04:51 PM   #21
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Cobalt? Yuck.
Get a Honda Fit Sport, guaranteed to last longer than any Cobalt, and youll have cash left over.
Troll.
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Old 12-28-2009, 05:01 PM   #22
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How about an HHR LS?? Same platform as a Cobalt, but you get more utility and a cool bodystyle...
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Old 12-28-2009, 08:34 PM   #23
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How about a 2001 Camaro Z/28 in cherry condition for under $20k

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Old 12-29-2009, 08:03 AM   #24
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If I had to drive very far to work. I would get a diesel VW of some kind. Jetta, Bug, or Golf. They run very well when slightly modified and get unreal mileage.

Use the money you save to save for another Camaro. By that time a newer and better model will be out by then.
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Old 12-29-2009, 10:10 AM   #25
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Cobalt? Yuck.
Get a Honda Fit Sport, guaranteed to last longer than any Cobalt, and youll have cash left over.
If I'm gonna get an ugly car I'd just go all out and buy an Aztek I am looking at the Scion tC though. Dunno why, I just like that lil thing. One of the guys I knew out in California had one for a lil bit and I was pretty impressed with it (aside from the gas mileage, which isn't too horrible still)

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Here's another option for you. Sell the truck yourself, use that money and the $8000 to refinance your current vehicle loan, using the cash as a large down payment. Maybe that would put the monthly down to something more affordable. If the money is going into a car, might as well be the one you have so you don't take a loss on the Camaro and you get to keep it.

Depending on how much you owe and what interest rate you have, you could reduce your payments by as much as $200. Even though you've only had it for about 5 months, just about any bank would refinance it for you with a large chunk down.
Well, the whole point of getting the truck was to keep the Camaro in the garage for the winter. Otherwise, yeah, I would definitely have gone that route (stupid iowa weather! )

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How about an HHR LS?? Same platform as a Cobalt, but you get more utility and a cool bodystyle...
Mmm, I'm not too fond of the HHRs. Body style reminds me too much of the dang PT Cruisers.

Anywho, I'm starting to lean towards the tC. Very unique little car.... I'll have to take it for a test drive and see how they handle. Thanks for all the advice guys
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