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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP here. I guess this matters for judging my frame of mind since a couple of folks have asked why I'm starting to think about giving up the 2010 car.

I'm a single (widowed) mom, so there is no backup car or easy "help" if my CRV breaks. So I might be a little more risk averse than your average two-parent, two-car, family because I'll have very little time to come up with a plan. [/quote]

Do you have $20k or you want to cap it at $20k?  Because if it's the first I'd just get a new CRV or RAV4, put $20k down and pay like nothing a month for 3 years.

If it's the second, I think you have at least another year or two in this car.  Start saving your "car payment" each month now and you'll have another $5-10k for the down payment.  When you buy a really popular, reliable car like this, you don't save very much buying used unless it's like 5 years old, and replacing a 9 year old car with a 5 year old car doesn't seem worth it to me.[/quote]

I like this advice.  I'm the first PP who asked why you were replacing it.  It's very hard to find a good, reliable car gently used for $20k.  You don't want a Kia or a Chevy that will be done in 8 years instead of 12-18 years.  We looked for a bit and then finally settled on spending $26k to get a brand new Subaru that would last us 15 years.  So yes, I'd consider saving a bit for the next year or 2.  150k miles isn't that high for a Honda.  Yes you want to plan for replacing it in the coming years, but if you need a $1k repair that is still WAY CHEAPER than buying a new car right now.  So I'd keep fixing your current car until you can afford a $25k new car.

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