<prompt> Human: I live in Missouri. Ill be in a full-time volunteer program that pays a monthly stipend for the next few months.I have about 700 in the bank, I make 650 per month after other bills. Im otherwise living very cheap. I have about 700 free on my credit card, otherwise my credit score isnt great. To get a car, should I get credit from a dealer and find something with 100month payments? Someone told me the end of year deals are best, so maybe I could get something before the new year.Or should I wait until I have enough cash to buy something used?Thanks all.  <response>: Personally, Id wait until I had the cash to buy used, plus a bit set aside for emergencies 