Hello together, I am currently considering changing my vehicle, i.e. changing to something bigger and would like to hear one or the other opinion for safety reasons. Previous vehicle: Audi A3 2.0 TDI (140 hp), little equipment, approx. 120,000 km. Object of desire: BMW 320d Coupé Built 2013, quasi full cabin, 20,000 km. Price approx. 25,000 € In my situation: I would have available assets (day money) approx. 18,000 €, which is then almost everything I have, except for the My income is now about 2,350 € net. This does not include Christmas and holiday money as well as bonuses. The plan: A loan of 10,000 € and the remaining 15,000 € via the payment of my Audi or from the daily money account. With regard to the monthly rate I calculate with approx. 300 €. In addition, my monthly costs will be added. There everything is included, except workshop costs (always about 1,000 € per year), purchase of clothes and leisure fun or special purchases. However, there is already a saving plan of 250 € per month with it. It seems to me to be relatively sensible (as far as an unnecessary vehicle change is thought out), but somehow scruples are there “to throw out so much money”. Therefore, I would like to be interested in a few more, more critical, points of view. Greetings!