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Old 10-22-2014, 02:20 AM   #1
blckout7
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Default Lately I've been pretty inactive here on Nasioc...

Needing to hear some thoughts from the general community (excuse the long post, just read the bottom to see the question). After being in the working world post college with a nice stable job, I saved up enough money to finance my adored 2013 WRX. Of course I went straight to modding (conservatively) Stage 2 pro-tune, bullet proof TMIC mod, metal BPV, new throttle body hose; things that I've been told and researched to increase the longevity of the car. I've never launched my car but have surely enjoyed my spirited driving.

I've also decided to get married within these last 2 years and am due to get married in 2016. Giving me plenty of time to be able to pay for my own wedding without any help from any side of parents. The fiance is fond of the car (she says it could be a little too loud sometimes), knows I love it but hates that she can't drive it. (i could teach her....i guess.) It kind of made me start thinking that god forbid some scenario where she needs to take my car she can't, I've also begun to think perhaps the car would be to loud to have a baby in the back seat. Negligible thoughts, but something to consider down the line.

So here we are, I've managed to save a good amount of money to easily pay for the wedding if I had to right now instead of over time. Only have 8K left to pay off my car (which I could now, but was told its better for establishing credit to pay over time). I've fell in love with the 2015 Audi A3 / S3, and began to consider if it's worth paying the 8K off, and selling my car (or trading in) and lease the Audi. I figured it would be nice to have the extra capital in my account in case some unexpected wedding expenses occur. Admittedly, I am a sucker for new things as well.

I've test drove the S3 and been a passenger in the A3 and have to admit I'm quite impressed. I mean I haven't fully sat down for exact numbers a month but as a round about I've been told $500-550 a month for the S3 and $300-350 for the A3. I'm currently paying $265 a month for the WRX so there definitely is a price increase there.

Question is: With the some of the above factors raised, Does the general public think it's worth trading in / selling my 2013 Stage 2 Wrx with 22.8K miles that only has 8K left to pay off and has $265 a month payments, to lease a 2015 A3 / S3 for $300-450 (I wouldn't even consider it if its above that amount)?

*Disclaimer....I know its best to consider all my options, and not listen to strangers on the web as only I would be aware of all the financial components. Also I know this is a Subaru based site lol the thought of getting rid of one is a sin. Just want some ideas to consider, or any past current experiences that relate. Many thanks, and sorry for long post.
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Old 10-22-2014, 02:34 AM   #2
Akrexak
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Best thing anyone could tell you is, do what YOU want. I read your disclaimer, you still posted this and want real answers. Best one, have fun and do what you want within your means.
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Old 10-22-2014, 02:38 AM   #3
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screw paying for any wedding

JOP it and save the munny

big stupid weddings are the same as the 3000 mile oil change of life

waste of all involved
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Old 10-22-2014, 02:45 AM   #4
blckout7
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Quote:
Originally Posted by Akrexak View Post
Best thing anyone could tell you is, do what YOU want. I read your disclaimer, you still posted this and want real answers. Best one, have fun and do what you want within your means.
I appreciate the feedback, and agree. Also want to reiterate, "Just want some ideas to consider, or any past current experiences that relate."
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Old 10-22-2014, 02:49 AM   #5
blckout7
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Originally Posted by Uncle Scotty View Post
screw paying for any wedding

JOP it and save the munny

big stupid weddings are the same as the 3000 mile oil change of life

waste of all involved
LOL Scotty, I've always valued your input hah! (Wonder what oil I should use if i got the A3...just to stir you up)
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Old 10-22-2014, 02:58 AM   #6
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I can relate. I used to own a 2012 s4 and personally found it soulless and lacking any sort of personality. And I had sold my Evo x for it. It sounds like you want something new and exciting. If you can swing it get the s3. The a3 is nothing but a Jetta with Audi badges. It feels right getting justification on Internet boards and honestly surprised people aren't saying do the adult thing and keep the wrx. But if you don't do it now, just think, kids will not make finances any easier
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Old 10-22-2014, 03:02 AM   #7
blckout7
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Originally Posted by Prowl647 View Post
I can relate. I used to own a 2012 s4 and personally found it soulless and lacking any sort of personality. And I had sold my Evo x for it. It sounds like you want something new and exciting. If you can swing it get the s3. The a3 is nothing but a Jetta with Audi badges. It feels right getting justification on Internet boards and honestly surprised people aren't saying do the adult thing and keep the wrx. But if you don't do it now, just think, kids will not make finances any easier

Very much appreciate your input, and that definitely makes sense. I'm definitely not going to rush into this, as it's not my highest priority at the moment; but yes definitely something else to consider.
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Old 10-22-2014, 03:32 AM   #8
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Teach the wife how to drive a manual and buy a more quiet exhaust. Continue paying your very low monthly payments and focus on the wedding.

Leasing an Audi doesn't seem like a good deal
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Old 10-22-2014, 03:58 AM   #9
blckout7
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Originally Posted by gveng View Post
Teach the wife how to drive a manual and buy a more quiet exhaust. Continue paying your very low monthly payments and focus on the wedding.

Leasing an Audi doesn't seem like a good deal

Happy wife, happy life...right? lol she wants to drive it but doesn't want to learn lo (also fears ruining my clutch). The exhaust I agree...hopefully I still have my stock one sitting around lol.
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Old 10-22-2014, 05:56 AM   #10
A W
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Happy wife, happy life...right? lol she wants to drive it but doesn't want to learn lo (also fears ruining my clutch). The exhaust I agree...hopefully I still have my stock one sitting around lol.
By the time junior is born, you will most likely regret doing anything in the back seat of an S3 except making said junior.
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Old 10-22-2014, 06:06 AM   #11
A W
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Oh, one more thing.

http://www.autoblog.com/2014/10/16/k...nts-car-brand/

Just something to think about.
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Old 10-22-2014, 06:55 AM   #12
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Loud exhausts put babies and kids to sleep in under 2 minutes of driving. A quiet car keeps them awake and crying like......babies. I know this first hand. My kids rode in my Cobra all the time and even when they started out wide awake, they never made it past 3 minutes before going to sleep.

I guarantee you that a Subaru doesn't exist that is as loud as the Cobra.

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Old 10-22-2014, 06:56 AM   #13
blckout7
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Originally Posted by A W View Post
Oh, one more thing.

http://www.autoblog.com/2014/10/16/k...nts-car-brand/

Just something to think about.

good find lol, thankfully I wasn't part of that 39% hah.
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Old 10-22-2014, 07:09 AM   #14
A W
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good find lol, thankfully I wasn't part of that 39% hah.
Genes can only do so much as far as choices your children make. Junior might be a part of that 39% anyways.

Honestly, if you're planning on a bun in the oven, why not think more than a couple of years ahead? That monthly payment limit is going to have to go up or you'll compromise in more areas than just the trojans you buy for Friday nights with the missus. Something has to go. Might as well be your boyhood since it'll come back anyways once mid-life crisis kicks in like it did for Jack.

Ask Jack. He knows all about putting fun away for later so Jack Jr. can come along.
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Old 10-22-2014, 08:09 AM   #15
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I do agree with Uncle Scotty in the fact that expensive weddings are a terrible idea. I know you are "saving" for it, but in all seriousness, if you plan on having a kid, put that money away for diapers, formula, etc. Spending thousands of dollars, whether it's saved or a loan or whatever, on basically nothing more that a party is not a super smart financial way to start out.

Acutal weddings are awesome, expensive receptions and honeymoons are not.

My dad told me 17 years ago when I got married, "We'll just have burgers and dogs for everyone in the yard". Should have listened.

Teach your fiance how to drive your car. That would not even be an option of not knowing how to drive a manual. The more she drives it, the more she'll enjoy the car as well and the more she'll be receptive to any future mods you want done. When you do another mod, tell her to take it for a drive and ask for her opinion on it, just to keep her involved. It works.

Keep the WRX. It's a super safe car, almost paid off, and fun as hell. Everyone likes new stuff but you have to make sure purchasing the Audi has more "pros" than "cons" in all areas: financial, safety, economical, personal pleasure, etc. , over just keeping the WRX.

Good luck!
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Old 10-22-2014, 02:16 PM   #16
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If you don't want her to hurt the WRX in learning how to drive a manual, go get her a lesson at a driving school. Cheap solution and you can be proud of her learning.

You have low payments and will own the car once paid off. That to me sounds a lot better then a high priced lease that you won't own at the end.

Good luck!
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Old 10-22-2014, 02:23 PM   #17
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^^^ 100% agree with the lesson from driving school. I got my subie having driven stick twice before, and the very high release point of the clutch just f***ed me completely.

Went to a lesson at the Driving School of Fairfield (highly recommend it) and learned a bunch of stuff none of my previous instructors (friends and dad) had taught me.
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Old 10-22-2014, 02:37 PM   #18
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First off congratulations - sounds like you're doing well.

Now unless you and your wife have it set in your minds to do that perfect wedding thing - screw that and get married on paper and enjoy a kick ass honeymoon, or the down on a house - that would be a far better return for your efforts to save. That's all up to you though bud.

On to the advice you actually wanted: I'd say stick with the Subaru. The A3 is nice, and the S3 is a blast, but your actual cost of ownership is going to be considerably higher than just the monthly payments. If you end up leasing it then maybe it won't be so bad, but otherwise yeah - for an Audi expect to pay more than originally thought. First time I went to replace my windshield wipers at $50 bucks I was quite surprised. Brakes are considerably more expensive too, and they still suffer from a lot of random gremlins.

The Subaru is almost paid off and a reliable mode of transportation. Don't get me wrong, the Audi will be reliable overall as well, but the Subaru you know isn't going to give you any major fits at this point. The money you'll save in the long term you'll be happy to have when you start putting into the mortgage or a second vehicle for her, or an unexpected pregnancy, or hell just that 80" LCD and a pool table right?

The WRX is plenty fast, and will still satisfy your backroad itch. Wait a few years for things to settle into the marriage and then reconsider getting the next-gen S4 or something.

Most people already know this, including you, but life always likes to throw unexpected **** at you, and usually right at the worst moment. Or rather, it likes to do it at the best moments of your life, which are usually the worst times for anything bad to happen. The last thing you want to do is find yourself a year from now considering having to sell your S3/A3 because of an unexpected financial difficulty.

Edit: that much said man we can all give you advice - but if you are just itching for that new car and you have to have it, you just need that little justification to make it okay in your mind, then just go for it and don't look back.
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Old 10-22-2014, 03:39 PM   #19
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in terms of an expensive wedding I will just leave this here:
http://blogs.findlaw.com/law_and_lif...rce-study.html

Its a better financial decision to keep the subaru plus audis cost too damn much to fix and are always breaking, ask me how I know. Seriously though, pay off the car and if push comes to shove sell the wrx for a cheaper economy car, outback, some toyota or honda. Don't make the mistake of living beyond your means or making a decision that could cluster f*(k on you in the future and leave you SOL.

Good luck with your decision
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Old 10-23-2014, 04:13 PM   #20
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The only good car is a paid off car. Your going to be going threw a lot of financial changes trust me, going threw them myself. To me more debt isn't the answer.


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Old 10-23-2014, 04:49 PM   #21
blckout7
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well boys...and girls. After careful consideration...**** the Audi. Subie for life, it definitely makes more sense. Thank you for all for the rational logic!


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Old 10-23-2014, 09:39 PM   #22
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Quote:
Originally Posted by blckout7 View Post
well boys...and girls. After careful consideration...**** the Audi. Subie for life, it definitely makes more sense. Thank you for all for the rational logic!


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Thank god. Smart man. With the exception of the S6 and S7, Audi makes some of the least impressive cars out there in the upper echelon of brands IMHO.
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Old 10-23-2014, 10:28 PM   #23
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Leasing is generally a poor decision in general, unless someone else is paying for it, like your employer.

Without knowing the specifics of your financial situation, I'd just keep the WRX, pay it off, and enjoy it. Save the rest of your money for a house if you don't already own one.
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Old 10-27-2014, 02:49 PM   #24
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Quote:
Originally Posted by A W View Post
...might as well be your boyhood since it'll come back anyways once mid-life crisis kicks in like it did for Jack....
Hahahahaha I lold in front of a patient when I read this
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Old 10-27-2014, 03:18 PM   #25
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Screw paying for a wedding as well.

I did, and now 10 years later my wife and I both wish we hadn't it was such a waste of money and time. On top of it we had to put off traveling and **** because we were paying off that elaborate party to make it official I could bone my girl even though I'd been doing that for some time already.

Justice of the Peace
BBQ at parents house
At most a nice dinner
Spend money on yourselves and your dreams.

In 10 years I can GUARANTEE you won't give a **** about the wedding or ever look at the 3000 dollar photo spread or other assorted garbage.

You're going to do the wedding anyway, but do print this out so in 10 years you can be like 'OMG SOME DOUCHEBAG NAMED NAPALMENEMA WAS TOTALLY RIGHT'.
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