Life is short my friend.
If we want something bad enough, we work hard to get it.
I always put a picture of a car that I want as the screensaver on my laptop, iPad, iPhone to remind me of my target car and then work towards it.
Works so far but of course I always choose cars that is realistically just above my range.
I don't put a pic of Bugatti because I will never be able to afford one ever, which is fine with me.

I too abide with a strict rule when buying cars.
I don't take loans for buying cars.
If I buy 2 cars within a year I will take a loan for one of the cars and settle fully within 6 months - don't want to attract queries from IRD eventhough my income is all legitimate.
My take is that there is no point to take a loan if you play cars because you will go for a cars which you can barely afford and eventually you will be up to your neck with loan payments and that affects your quality of life and probably family life too.

It's not too difficult once you build up a car base, your car has residual value which if you do not owe the bank the full amount is available for the new car and you just top up the remainder out of your savings.

In my younger days, of course I took loans but that was when I only own 2 cars - one for me and one for wifey. That was when the car was bought as a necessity.

Now I buy cars as a passion and not on need basis and it is all too easy to fall into the trap of taking too many loans, hence my own strict rule.

I personally believe that it is ok to take a max 5 years loan to buy a car if the car is used as a necessity. I did the same before.

However I strongly believe that if you need to take a loan for more than 5 years ie 6, 7, 8, 9 years then you should not really buy a car yet until you save enough. The rate of depreciation is faster then the rate you repay your loan which means that when you sell your car after say 5 years, you may end up having to fork out more money to the bank to settle your loan as the sale price will not cover the loan. Basically this means there is no chance of upgrading your car.
It is a vicious circle.

No worries - I got this bike instead.
Cheaper but not as fast 

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Actually, a friend told me to just buy a bike - at the very worst wifey won't talk to me for a week.
Spend more time in the office, entertain some clients in the evening and a week will pass quickly.
After a week, all should be back to normal.
Have not tried this trick yet on a bike - anyone who tried this please tell me if it works 

Finally got the Beetle.
It's for my wife.
Reason I bought it was because I got a good deal.
List price RM 148,888.
VW gave a discount of RM 20k since it is a 2014 MY.
Then I got a bit more discount from VW due to business relationship.
In short I paid RM 120k for a brand new Beetle with 5 years warranty.
Unfortunately no more red colour left.
It was either black, white, yellow or brown.

Comments after 2 days
Easy to drive around town
Quite OK acceleration for town use.
Have to get used to manual seat adjustment, using a remote to open the door and a key to start the car - even my wife Honda Jazz has keyless go !
it is hard to reach the seatbelt with your left hand - it's too behind the seat.

Anyway no regrets buying this as I think I got it at a good price and I always wanted to own an iconic car.

This is the last car I will buy for the next 3 years.

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