I bought the 5s and gave my 5 to my daughter only because I had an upgrade sitting there on my account and I wanted to add my daughter onto my AT&T plan. The Touch ID is nice but not failproof (works for me on first try only about 70% of the time), the camera is slightly improved in low light situations, and the speed difference is negligible to me in real-time use. A truly incremental upgrade, certainly not earth-shattering, for those with a 5 and a much bigger upgrade for those coming from 4s model and below. So no, I would save my money and wait for the 6, especially if I was coming out of a tenuous financial situation.
It is hard not to get caught up in the hype each year when the new model is released, especially if you're an Apple fan and tech nerd (like me

). But really, truly, it's not a huge upgrade over the iPhone 5. IMO, you've already got the biggest upgrades which are the larger screen and iOS 7. I know that my experience was that downloading iOS 7 onto my 5 provided a much bigger upgrade than subsequently upgrading to the 5s hardware. Also, by next year, the software and apps will have been updated to take full advantage of the new faster 64 processor. Save your money, please, especially in these uncertain economic times.
Just read your further posts, though, and it seems like what you're really seeking is not advice but affirmation to go ahead and upgrade? You do have the option of returning within 30 days if the difference isn't earth-shattering for you. Don't sell your 5 until you're sure.