There is a Toyota dealership here in Ottawa running radio ads that go something like this:
"If you have about 1 year left in your financing agreement for the Toyota you're currently driving, bring it in and you can get a brand new Toyota, with full warranty, for even less per month than you are currently paying!" They even urge you to hurry in; as you can imagine, business is booming, so get down here while we still have some of these ultra-rare Toyota automobiles on the lot!
What a deal! You've almost got yourself out of the hole you dug when you bought your last brand new car, so let us help you stay comfortably in that hole for another 7 years or so.
I just had to post this to make myself feel better. Thanks for listening. :)