I'm in the same boat...though the upside for me is that I've been paying off a lot of debt, so I'm a couple of payments from being debt free. Def trying to get a new(ish) car, coz my current one has been breaking down on me for the last 3 yrs in a row...also I get to keep a little more money in my pockets now; really sucked when there were things I wanted but I didnt have the money to get them.
Working through the COVID craze has been keeping me on schedule to pay off this debt & get closer to my new car. I would've hated to have my plans set back...