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Good morning ladies and gents.
A lot of this is just me trying to type out my current mental boggle, so forgive me for rambling.
As a lot of you know, I drove a Dodge RAM 1500 pickup up until about 3 days ago. When I was in Chesapeake driving 20 miles each way on the interstate, I was getting 17 - 19 miles per gallon, which is fine considering the commute and the big HEMI engine.
I moved to the DC area, about a mile from work (1.2 actually) and ever since then, I've been getting about 10 - 12 mpg because the trip takes longer to warm up the truck than to actually drive it.
Accordingly, I've been having to spend about $75 - $90 per week to fill up a 26 gallon gas tank.
This -- as you might imagine -- kept me up at night as finances are already extremely tight.
Also, while owning a 390 horsepower beast was a lot of manly macho gruntish fun, it was sorely tempered by the fact that 99% of the time, I was just "idling along" trying to eek out every mile from the tank.
In fact, and in sum total the only thing the Dodge really had going for it was looks, roomy comfort, and the fact that I only owed about $10,000 on it ($200/month payments).
Flash forward to Thursday of last week and -- since I was already feeling under the weather -- I took 1/2 day off and tried to rest. Failing that -- because of the overwhelming thoughts about the truck -- I went car shopping.
My idea setting out was to locate a used Honda Accord, Nissan Altima, or other 4-door gas sipping sedan that I could effectively "swap keys" for (meaning walk away still owing the same amount with the same payment).
I drove 3 Accords, 2 Altimas, a Kia Optima, and even a Mustang (which was surprisingly ok but the car was not)...
I had settled on a 2010 2-door Accord coupe and was about to start negotiating but something about the car bothered me. Curb rash on the rims (normal but still) and a bit of rust on some items under the hood. It drove very well, and it was really comfy for what it was, even though I'd be giving up the back seat. It had the "macho guy thing" going for it.
As such, I was literally getting up and getting ready to walk away when the manager said "let me show you something I think you might like.
He then had the salesman pull around a "Certified", white 2012 Volkswagen Passat. A 4-door, 5-cylinder (?) mid-size sedan which gets 22-31 mpg (avg is supposed to be 25). Actually won Motor Trend's car of the year this year by 2 single points in the closest vote ever.
I don't know much about VW's. I don't, but this car was absolutely what I was looking for. Sporty, good gas mileage, decent power (hey, it's not a HEMI) along with plenty of options like bluetooth (though I'm sorely missing my built-in NAV unit as I got lost on the way home) and everything else.
So... Why then Wayne, are you whining?
In a nutshell, I'm whining because I violated my own rule about swapping keys and ended up spending a whole lot of money I didn't have to try and solve a problem which might be imaginary to begin with.
My Dodge RAM truck would have sold to an individual for probably $19000. I ended up settling with the dealer for $17000, which is fair trade-in value for it, and keeps me from having to figure out how to sell it, THEN run around town looking for a car to buy...
That put me (in my mind) -- $2000 in the hole.
Then, consider the cost of the VW Passat, which we agreed on at $19988 (20k), which -- in my head (even if wrong) -- means I'm $5000 in the hole. Toss in taxes, tags, extended warranty (a good idea on a VW) and registration, and I'm at $7,000 in the hole.
All this stuff mystifies me, and I *know* in my head that it's ok, but I went from owing $10k to owing $17k (effectively $200/month to $265/month) when my money is already tight because of still owning the house in Huntsville -- mortgage plus EXTREMELY overpriced rent here == bad)...
Also, according to the VW people, I *should* be able to go back to the Dodge dealership and get a refund on my extended warranty for the Dodge, which is a couple of grand I can put towards either other bills, or the new VW's bottom line. I'm *not* counting on that, because the Dodge Dealership was the most shady place I've ever dealt with, bar none...
The only savior really is that -- while not perfect -- I like the quirkly little VW. It also alleviates my perceived gasoline bill (if I can coax 25mpg out of it)...
Lemme ramble, see if I can figure this out in my head;
Dodge RAM (HEMI V8)
Average of 300 miles per week (groceries, commute, lunch, other running)
Average gas cost $3.50
Tank size = 26 gallons.
Average mileage = 12mpg (312 miles per tank)
Cost to fill up = $91
Assuming 1200 miles per month / 300 miles per tank = 4 fillups * $91 = $364.00/month for gas
VW Passat (5-cylinder)
Average of 300 miles per week, assume 1200 miles/month
Average gas cost $3.50
Tank size = 18 gallons
Average mileage = 25mpg (?) (450 miles per tank)
Cost to fill up = $63.00
Assuming 1200 miles per month / 450 miles per tank = 3 fillups * $63 = $189.00/month for gas
So... Assuming a lot of things which is all I can do, It looks like the VW will save me (in theory) $175 per month in gas. Subtracting the $65/month raise in my payment, and we're looking at $110/month savings for buying the VW on gas alone (insurance is also cheaper).
Advantages
I'm mentally and emotionally conflicted over it. Not sure what I'm asking or even why I'm posting this here except perhaps to hear my thoughts on digital paper. I'd love to get your input, either positive or negative while I'm still in the three-day grace period.
Wayne
A lot of this is just me trying to type out my current mental boggle, so forgive me for rambling.
As a lot of you know, I drove a Dodge RAM 1500 pickup up until about 3 days ago. When I was in Chesapeake driving 20 miles each way on the interstate, I was getting 17 - 19 miles per gallon, which is fine considering the commute and the big HEMI engine.
I moved to the DC area, about a mile from work (1.2 actually) and ever since then, I've been getting about 10 - 12 mpg because the trip takes longer to warm up the truck than to actually drive it.
Accordingly, I've been having to spend about $75 - $90 per week to fill up a 26 gallon gas tank.
This -- as you might imagine -- kept me up at night as finances are already extremely tight.
Also, while owning a 390 horsepower beast was a lot of manly macho gruntish fun, it was sorely tempered by the fact that 99% of the time, I was just "idling along" trying to eek out every mile from the tank.
In fact, and in sum total the only thing the Dodge really had going for it was looks, roomy comfort, and the fact that I only owed about $10,000 on it ($200/month payments).
Flash forward to Thursday of last week and -- since I was already feeling under the weather -- I took 1/2 day off and tried to rest. Failing that -- because of the overwhelming thoughts about the truck -- I went car shopping.
My idea setting out was to locate a used Honda Accord, Nissan Altima, or other 4-door gas sipping sedan that I could effectively "swap keys" for (meaning walk away still owing the same amount with the same payment).
I drove 3 Accords, 2 Altimas, a Kia Optima, and even a Mustang (which was surprisingly ok but the car was not)...
I had settled on a 2010 2-door Accord coupe and was about to start negotiating but something about the car bothered me. Curb rash on the rims (normal but still) and a bit of rust on some items under the hood. It drove very well, and it was really comfy for what it was, even though I'd be giving up the back seat. It had the "macho guy thing" going for it.
As such, I was literally getting up and getting ready to walk away when the manager said "let me show you something I think you might like.
He then had the salesman pull around a "Certified", white 2012 Volkswagen Passat. A 4-door, 5-cylinder (?) mid-size sedan which gets 22-31 mpg (avg is supposed to be 25). Actually won Motor Trend's car of the year this year by 2 single points in the closest vote ever.
I don't know much about VW's. I don't, but this car was absolutely what I was looking for. Sporty, good gas mileage, decent power (hey, it's not a HEMI) along with plenty of options like bluetooth (though I'm sorely missing my built-in NAV unit as I got lost on the way home) and everything else.
So... Why then Wayne, are you whining?
In a nutshell, I'm whining because I violated my own rule about swapping keys and ended up spending a whole lot of money I didn't have to try and solve a problem which might be imaginary to begin with.
My Dodge RAM truck would have sold to an individual for probably $19000. I ended up settling with the dealer for $17000, which is fair trade-in value for it, and keeps me from having to figure out how to sell it, THEN run around town looking for a car to buy...
That put me (in my mind) -- $2000 in the hole.
Then, consider the cost of the VW Passat, which we agreed on at $19988 (20k), which -- in my head (even if wrong) -- means I'm $5000 in the hole. Toss in taxes, tags, extended warranty (a good idea on a VW) and registration, and I'm at $7,000 in the hole.
All this stuff mystifies me, and I *know* in my head that it's ok, but I went from owing $10k to owing $17k (effectively $200/month to $265/month) when my money is already tight because of still owning the house in Huntsville -- mortgage plus EXTREMELY overpriced rent here == bad)...
Also, according to the VW people, I *should* be able to go back to the Dodge dealership and get a refund on my extended warranty for the Dodge, which is a couple of grand I can put towards either other bills, or the new VW's bottom line. I'm *not* counting on that, because the Dodge Dealership was the most shady place I've ever dealt with, bar none...
The only savior really is that -- while not perfect -- I like the quirkly little VW. It also alleviates my perceived gasoline bill (if I can coax 25mpg out of it)...
Lemme ramble, see if I can figure this out in my head;
Dodge RAM (HEMI V8)
Average of 300 miles per week (groceries, commute, lunch, other running)
Average gas cost $3.50
Tank size = 26 gallons.
Average mileage = 12mpg (312 miles per tank)
Cost to fill up = $91
Assuming 1200 miles per month / 300 miles per tank = 4 fillups * $91 = $364.00/month for gas
VW Passat (5-cylinder)
Average of 300 miles per week, assume 1200 miles/month
Average gas cost $3.50
Tank size = 18 gallons
Average mileage = 25mpg (?) (450 miles per tank)
Cost to fill up = $63.00
Assuming 1200 miles per month / 450 miles per tank = 3 fillups * $63 = $189.00/month for gas
So... Assuming a lot of things which is all I can do, It looks like the VW will save me (in theory) $175 per month in gas. Subtracting the $65/month raise in my payment, and we're looking at $110/month savings for buying the VW on gas alone (insurance is also cheaper).
Advantages
- Free maintenance from VW for another 20000 miles
- 100k "bumper to bumper" extended warranty ($100 deductible)
- Lower insurance rates.
- $110/month lower cost to operate (mostly gas)
- It's a beautiful, very practical car
- Not nearly as comfy as the big Dodge truck. It's a LOT smaller as you'd expect, which is fine, but harder to get into and out of for my big ol' butt.
- No Navigation (have to buy a new Garmin unit @$150 or so)
- Lower on the "macho manly" quotient, meaning not as fun to drive for a guy who loves to step on it.
- Potentially (I have no idea, just going on reputation) not as reliable as the Dodge.
I'm mentally and emotionally conflicted over it. Not sure what I'm asking or even why I'm posting this here except perhaps to hear my thoughts on digital paper. I'd love to get your input, either positive or negative while I'm still in the three-day grace period.
Wayne