My target month for this car is now August. Whatever money I have around then will be going into it. (Plus the trade-in price on the Neon.) That seems reasonable.
Then when I transfer next year and go to a boat in the wintertime I can pay the entire thing off after one or two patrols.
Sounds like a good plan. Just make sure you have a secure place to park it when you go to sea. Or you could lend it to Bill ...