The beginning of this manic phase I decided I needed a new car. With what I was looking at, and what I had for a down payment (which was nothing, btw) I would have been looking at payments between 300 and 400 dollars. Sometimes it's hard to pay the 125 I have to now for the car I have. And I couldn't trade that in because it is my gf's name, and title jumping is illegal here. So I would be looking closer to 400 to 500 dollars in car payments. Luckily the fact that i had no down payment and not much established credit stopped that. Otherwise I would probably have to hope it was a big enough car for the three of us to live in.