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Throwing this out there.
Trade in/private sale FR-S. Purchase a reliable daily driver/winter vehicle. Obtain a low mileage lease on a FR-S/BRZ to use during the warmer months. Low mileage lease should net you much lower monthly payments.
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2013 Ford Focus St
2013 Scion FR-S
2007 Honda Civic Si
2003 Acura RSX Type-S
1998 Ford Escort ZX2
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