<prompt> Human: I just got a full time job back in August that pays 16hrs IT helpdesk, so my bi-weekly paycheck is around 1020, and 2040 monthly after taxes. My current monthly expenses are : 700 rent utilites 300 groceries 40 phone 30 internet 8 Netflix 50 entertainment and eat out. After 5 years taking the bus, I think its time for me to buy myself a good car to commute to my work and move around currently it takes me 3 hours everyday to commute. I found a nice Honda Civic LX 2012 in the Honda dealership near my house yesterday. They offered me a bi-weekly payment of 130 with 2000 down payment for 60 months. I havent check the insurance for the car, but I know it will be around 280 or 300, as my license is new 2 weeks. Should I go ahead and buy this car or just buy a cheap one with cash ?  <response>: You can afford a car. You cant afford a 15k car. Buy something cheaper. 