Hi,
I bought my 2003 Prius in October of 2005 and shared your concerns:
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Originally Posted by bluefrog311
My husband and I found a 2005 Prius with 34000 miles on it. We are in the process of buying it. We have to wait till our tax refund arrives but the dealer is holding it with a deposit. We are paying 21995, is that about the right price? I am having second thoughts. They figured our payments out to be $402/month, which isn't too bad. We are also paying an additional auto loan of $353/month. I am hoping we can manage both. I think we should get it. Does anyone else get nervous when buying a vehicle?
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Back in October 2005, I bought a 2003 Prius for $17,300 but I knew the Blue Book value and had been following Ebay completed listings. I was actually looking at 2003 Prius in Florida so when mine showed up in Texas for a good price. I bought it and flew out to pick it up.
Doug, a frequent poster in the Yahoo Group, Prius Technical Stuff, has been tracking used prices car prices in Ebay. I used his data to plot my purchase:

BTW, Doug has a formula that approximates Prius prices as a function of gas prices.
My payments came in at $307/mo. and it hurts but fortunately, we had our other car paid off. You'll have to work out your own budget. However, our Prius has been saving nearly two car payments per year:
http://www.greenhybrid.com/compare/m.../car/1506.html
I didn't achieve this type of mileage right off the bat. It took me to January to
learn how to drive the car to achieve hypermileage status. But we've put together a
FAQ on how to drive the Prius efficiently and hopefully it will help you too . . . if you get the car.
Buyer remorse and budgets are things we all deal with. All I can share is it is possible to get excellent MPG from a Prius but not everyone achieves EPA mileage. This forum is one of the best Prius schools around that can help you succeed.
Bob Wilson