We have no car payments. That said, we have a blown tranny (have fun with that one) in the Yukon Denali XL that will have it tarped and parked for the winter. Approximately $4K to fix that one unless someone has a L465E transmission they want to donate. Meanwhile, we have a fully functional 95 Nissan Pathfinder SE V6 and an 05 Chevy Trailblazer that will get us through the winter, January thaw, more winter and mud season.
Manual transmissions last forever.