Buying with cash. Driving my Focus for 12 years, I continued to make the monthly payment into savings after the loan was paid off. I never missed the money, and now my fantasy of just walking into the dealer and writing a check is soon to be realized.
I tend to put only about 8K miles a year on the "daily" driver because I usually bicycle to work. Keeps the miles off the cars, and when I do drive, it's more of a pleasure thing (i.e. NOT driving to work!). So the new ST, whenever it gets here, will live in my garage for a long long long time.