<prompt> Human: I want to buy a 10 000 VW, I currently earn 17 000 a year. My monthly bills are about 400 and I get a 1100 per month. Considering car payments of 200 per month for car and insurance payments is this viable or should I wait for a better job?  <response>: spend the next 6 months putting 250month away into a savings account... consider it as mandatory as paying your rent and utility bills. bear in mind that you cannot skip the payment or transfer it late so you can have some extra cash to enjoy a weekend with your mates... on the 1st or 15th of every month, you must transfer the money into your savings account.if in 6 months time, youre OK with where your lifestyle is at without that money, so ahead and buy the car, and use the saved money as your down payment.personally, I wouldnt do it, but its all about what youre OK with sacrificing and all this is assuming youve already got an emergency fund saved up 