I would keep working until you have at least $10,000. Then you would be able to put down at least a $9000 down payment on a Z in the $15-$17K range... your payments would be under $300 a month if you got a 3 year loan. You'll probally need a co-signer. Also you need some good credit history... get a credit card and make a few purchases a month on it and pay the bill in full each month... build up a good credit history and you could probally get that Z sooner than you expected. Hell I've never saved any money from any job that I've had and Im in college and I had a 95TT last year.