Posted by jd b puller on October 01, 2012 at 05:38:12 from (65.190.135.248):
In Reply to: Vehicles-leasing vs. buying posted by Buckeye Oliver collector on September 30, 2012 at 19:55:59:
Buckeye, it's a personal preference.
Like others have said, if you are one that keeps the vehicle a long time and wants a car that is paid for, definately buy one.
We have leased the wife's last 3 out of 4 vehicles and will probably lease the next one in 2 years when this one is up. I have never put any money down on a lease (that's just plain silly to put money down with interest rates where they are).
With a growing family, our needs change a little every couple years. We usually buy my vehicles and lease the wife's. She gets a little nicer vehicle for less money and I know my wife and kids are in a newer vehicle with less likelihood of a breakdown than and older one.
The downside is that we always have a $400-500 car payment for her.
If you're going to trade the vehicle in 2-3 years anyways, leasing is much better. No hassle getting rid of the "old" vehicle, and at the 3 year point, you're probably upside down anyways.
When you buy, the monthly's are higher. Look at it this way, when the vehicle is 4 years old (on a 60 month buy), you are still paying the same thing per month that you were when it was new.
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