I hate/loathe car payments. I also really, dislike crappy cars I can't work on.

If a tornado drove 240 through an oak tree, I might give it up.

If my 240 took a direct hit from a cement mixer, (while saving my life) I might give it up.

If my 240 self destructed and turned into a burning hulk by the side of the road
(with 300,000 miles on it) I might give it up.

If someone offered me enough $ for my 240, I might give it up

If I'm ever too old to drive I might up my 240

My son has "The Bug" now. I watched him figure out how to replace a window motor,then a headlight and dimmer switch. We did a tune up yesterday. And a couple of months ago he did his first timing belt replacement, calling me once or twice to confirm how something ought to look. He does the brakes and belts. He paid 500$ for the car and I seriously doubt if you could take the car away from him.\

If I ever learn to teleport, I might give up my 240

It's not just another car, it's a relationship

Figure out what you would pay for a new car, then what you pay for shop labor for incidental repairs. That alone should frighten you into keeping your 240.
If not tell me what you want for it. I could use another car for my daughter.

Paul