<prompt> Human: First time posting here, need some feedback.Some key points:-Im 25-21K student loan debt-165mo payment1500 cc debt, I pay about 100mo-69Kyear gross salary-10K in the 401K; contributing 5 of my salary--employer matches up to 4 and dumps 5 in every year regardless of my contribution.-5000 in cash savings-1300month rent lease ends in two months; looking at 850mo apartments for next leaseThe problem: My 1997 Toyota Avalon has been a trooper, but at 150K miles, its starting to break down. I live in CA and it recently overheated; I replaced a few parts myself for about 500. Im pretty sick of driving it and listening to the engineworking on it seem to indicate that its not planning on sticking around much longer.My question: Is it right to purchase a new used car? Ive been looking at late model HondaToyota sedans okay, and maybe dreaming of a BMW 135i. Id like something I can buy and not have to think about repairing beyond routine maintenance for a few years. I can afford about 600 total per month for a car payment insurance, but Im wondering what everyones thoughts are--is this a wise move? My initial thoughts are putting about 4000 down to keep some cash on hand, finance the rest, and have peace of mind and a new-ish automobile to get to my job which is a 35 minute commute, btw.I welcome any of your thoughts!Assistant: First off... You have 1500 in cc debt while a savings with 5k?!?!? Wtf ate you thinking? Pay that shoot off.Also went are you paying a min on that student loan?!?!!? You are pulling over 3k a month net. You should have no cc debt and be paying at least double on that student loan. Youd still even have enough left for a car payment, new or used.Human: May be a good thought--I dont mind keeping a running tab on my credit cards. I was under the impression that having some debt history is a good thing when it comes time to buy a homecar. Is that not true?  <response>: No. Its not. Always pay your credit card bill in full each month. Otherwise you are throwing away 18 in interest each month. Also I edited my original post.Do you have a budget? Post it if you do, otherwise make one. 