Yeah I like your thinking sweetie pie, although whenever I dump more money into my car I think of you (<3) because I sit there and ponder... how can he keep his shit pretty much bone stock, even if he's on a tight budget? I spend almost my last dollar buying worthless shit, like a carbon fiber trunk sitting in my garage, along with a bunch of other shit that just hasn't seen their way onto the car.
Here's to hoping you can actually keep your car a "virgin."
(oh and to answer your question)
Financed 30k @ 0% APR for 5 years on my '08 GSR SSS/Aero, payments are $500.00 per month and I pay no more, no less. 2.5 years to go.
I am fighting the urge to buy an FP red, coils and a big ol' ricer wing. All 3 of which are big ticket items unfortunately