Automobiles are insidious devices. They lure you with their good looks and/or awesome powers. Then they break down when you're broke. Budget for both your lust and that rainy day. Add up your monthly payments, insurance (make sure you're covered for professional use), maintenance, repair, license fees, parking costs, tolls and then add in a bit. Note also many accountants agree that if you have a camera with you and you're ready to use it when you find a good subject, your vehicle use is a business expense. But do check with your own bean counter.