Tips on Buying Cars: new car/lease car, new car lease, loan duration

Question
For years I leaned towards leasing a car rather than buying, mostly because I enjoy driving a newer car every 2, 3, or 4 years and the lower monthly payments than you can often get by leasing.   My new wife of 1.5 years purchased a NEW 2006 Subaru just before we got married.  For the entire 1.5 years we've had the car and been married, I've seen lease payments on the same, or one year newer, models for about HALF of what she is paying for purchase.   Now into her purchase agreement for this long, we are having a child, hence money will begin to be tighter around here month to month.  Any suggestions on how we can get out of the purchase agreement for 500 a month and lease for 250 a month ?  I did check with the finance company and they really aren't interested, of course ... they made a deal to sell and finance a new car, not lease one.  Any and all ideas would be appreciated.  

Answer
You have a few options, but I doubt you will like them too much... You can sell and lease a new car (but probably only after you have paid off what you owe on the subaru, but yes some finance company out there will let you do that.. just have to find the right one)... and the chances of you getting what you owe on it is very slim.. so you well end up paying on a car you no longer have... you can refinance the car to a longer loan duration, or different APR, etc... and see how the payment amounts change... That's probably your best option if money is an issue because leasing almost never leads to ownership (you can lease to own though), thus you pay for a car you can't sell later... its vary rarely economical... and you may wish to look into leasing to own... if you can't refinance or pay off the car after selling.. you may wish to consider selling it, buying a cheap used car, consolidating the two loans (cheap car loan, the subaru's remaining balance).. this will leave you with a lower payment and you wont be out of a vehicle...  If you buy the right used car you should be able to sell it for close to what you paid down the road, and then you can lease whatever you like... don't be scared to buy used, there are plenty of good deals and a lot are just as reliable as new cars.  So check out those options, if you have any other questions, feel free to ask....