BMW Finance Decline
Discussion
Derek 911 said:
No real intentions of putting both cars on the road as much as it would be a dream garage it’s just not a dream monthly payment plan and I’m daft but not that daft.
It ain’t so bad I will just make a point of enjoying the P car over the summer months maybe the 911’s charms will make me want to keep her a little longer. I’ll do doubt upset the Porsche enthusiasts by choosing Munich’s finest over the 911 but I’m just a bmw kinda guy and I need the practicality of the saloon for the daily my only car. Porsche 911 is unbelievable handling and fun by anyone’s standards, the original sports car and like I said it isn’t so bad to run one over the summer anyway I had decided I was doing just that.
Take my advice and buy something mundane, cheap and comfy for the daily schlep.It ain’t so bad I will just make a point of enjoying the P car over the summer months maybe the 911’s charms will make me want to keep her a little longer. I’ll do doubt upset the Porsche enthusiasts by choosing Munich’s finest over the 911 but I’m just a bmw kinda guy and I need the practicality of the saloon for the daily my only car. Porsche 911 is unbelievable handling and fun by anyone’s standards, the original sports car and like I said it isn’t so bad to run one over the summer anyway I had decided I was doing just that.
That leaves the 911 to be enjoyed purely for enjoyment. I'd be very surprised if that didn't change how you feel about the 911.
TheJimi said:
Derek 911 said:
No real intentions of putting both cars on the road as much as it would be a dream garage it’s just not a dream monthly payment plan and I’m daft but not that daft.
It ain’t so bad I will just make a point of enjoying the P car over the summer months maybe the 911’s charms will make me want to keep her a little longer. I’ll do doubt upset the Porsche enthusiasts by choosing Munich’s finest over the 911 but I’m just a bmw kinda guy and I need the practicality of the saloon for the daily my only car. Porsche 911 is unbelievable handling and fun by anyone’s standards, the original sports car and like I said it isn’t so bad to run one over the summer anyway I had decided I was doing just that.
Take my advice and buy something mundane, cheap and comfy for the daily schlep.It ain’t so bad I will just make a point of enjoying the P car over the summer months maybe the 911’s charms will make me want to keep her a little longer. I’ll do doubt upset the Porsche enthusiasts by choosing Munich’s finest over the 911 but I’m just a bmw kinda guy and I need the practicality of the saloon for the daily my only car. Porsche 911 is unbelievable handling and fun by anyone’s standards, the original sports car and like I said it isn’t so bad to run one over the summer anyway I had decided I was doing just that.
That leaves the 911 to be enjoyed purely for enjoyment. I'd be very surprised if that didn't change how you feel about the 911.
That left the 911 to be enjoyed as an occasion Car at the wkend and yes lots of fun, shines in its element in this regard.
However it leaves me with a problem. I’m not trying to give the impression of wealth on this forum as I have been accused actually it’s the opposite I’m saying the 911 is a rich man’s toy and to me you don’t run around in a ‘shed’ and have a 911 that you finance sat doing nothing. Your that well off you have a 911 and a new 5 series or a Range Rover or something as a daily and you paid cash.
911’s is a game I can’t afford and more still the 3.6 Carrera 997 is about equivalent to the 320d if you want to compare them in the range and if you want a real raw aggressive sports car 911 your probably buying an old 993 classic or a 991 GT3.
Either way I could only dream of that cash to spend so I am more comfortably buy/leasing some big 3 series M performance M car variant and being done with it.
I get daily use out of monthly payment, latest tech, gadgets and comforts and I can press the M button and turn it into the sports saloon when I feel it’s an ‘occasion’ moment.
It is the best of both worlds for me anyway, it will never be as good as a 911 as an occasion car but it’s not trying to be and neither was the 911 meant for the daily commute.
That’s how I feel about them others may be different but I feel the underpinnings or a proper sports car is why the 911 does not belong on a daily commute the bmw M was designed for both and it does it fairly well.
Shnozz said:
Surely the financial damage on running a £35k 997 every day would be far less than financing and running a newer M car? And more fun to boot. Just be content with what you have, use it and enjoy.
I still might consider a secondhand F80 around 35k, depends what deals are going on the new car at the end of the build dates. Would say running costs are comparable, both probably around mid to low 20mpg. Insurance similar the bmw would benefit from dealer warranty service pack etc currently I have an aftermarket warranty on the Porsche and would be paying servicing myself.
It boils down more to practicality of a daily driver but I know what your saying if anything I would say I regret parting with the 330d it just ticks the daily living boxes.
Derek 911 said:
Shnozz said:
Surely the financial damage on running a £35k 997 every day would be far less than financing and running a newer M car? And more fun to boot. Just be content with what you have, use it and enjoy.
I still might consider a secondhand F80 around 35k, depends what deals are going on the new car at the end of the build dates. Would say running costs are comparable, both probably around mid to low 20mpg. Insurance similar the bmw would benefit from dealer warranty service pack etc currently I have an aftermarket warranty on the Porsche and would be paying servicing myself.
It boils down more to practicality of a daily driver but I know what your saying if anything I would say I regret parting with the 330d it just ticks the daily living boxes.
In terms of "more practicality" - do you actually mean "more practicality" or is it that you'd be more comfortable running a newer M3 as a DD?
daemon said:
Derek 911 said:
Shnozz said:
Surely the financial damage on running a £35k 997 every day would be far less than financing and running a newer M car? And more fun to boot. Just be content with what you have, use it and enjoy.
I still might consider a secondhand F80 around 35k, depends what deals are going on the new car at the end of the build dates. Would say running costs are comparable, both probably around mid to low 20mpg. Insurance similar the bmw would benefit from dealer warranty service pack etc currently I have an aftermarket warranty on the Porsche and would be paying servicing myself.
It boils down more to practicality of a daily driver but I know what your saying if anything I would say I regret parting with the 330d it just ticks the daily living boxes.
In terms of "more practicality" - do you actually mean "more practicality" or is it that you'd be more comfortable running a newer M3 as a DD?
I’ve always had a bmw saloon car as my daily driver and the plan was I was initially replacing the 330d with an e92 equivalent as a daily I feel I can’t really justify having both on the road.
TheJimi said:
I'm not wholly convinced that a new M3 will fly under the radar as much as you think it will.
BMW is regarded as a highly aspirational brand by many people. A new M3 *WILL* get noticed by all but the most apathetic of people.
So 911 to new M3 for that reason doesn't scan for me.
I’ve never owned an M3, I’ve had the estoril blue e46 330 clubsport, the e92 Alpina D3 Bi-Turbo, the F30 I just sold had every M performance box ticked including the full carbon bodykit, the digital wheel, 20s etc etc. BMW is regarded as a highly aspirational brand by many people. A new M3 *WILL* get noticed by all but the most apathetic of people.
So 911 to new M3 for that reason doesn't scan for me.
So I can’t really compare M3 ownership but the above cars are pretty close to the casual observer, I know the M3’s of each generation have a slightly more extreme look but compared to the looks and attention the 911 receives I prefer the slight sleeper feel of an M3.
A 911 is a real talking point for many, I’m not sure on the image of each car perhaps due to the 911 iconic status people want to talk about it more and stop you etc for a chat because it’s less offensive/aggressive than a BMW M type car.
One older guy who stopped me in a car park about the 911 got chatting and he said no a bmw is just a bmw you don’t see porsche every day I wouldn’t turn my head at any bmw but a Porsche is a Porsche.
As a petrol head I totally understand what your saying an M3 is not subtle by any manner of means but there is the casual observers who just don’t care about them.
Hi Derek - my own experience having owned quite a few 911's and M3's is no-one really cares that much what you drive - or at least no-one you would want to care - so i'd say drive what makes you happy. If you've never owned an M3 then what you're proposing as a first one is quite a financial gamble and reasonably long term commitment and you might end up feeling you preferred the 911. Absolutely don't want to pour cold water on this though as I know what a buzz it is looking forward to a new car.
In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
crisp packet said:
Hi Derek - my own experience having owned quite a few 911's and M3's is no-one really cares that much what you drive - or at least no-one you would want to care - so i'd say drive what makes you happy. If you've never owned an M3 then what you're proposing as a first one is quite a financial gamble and reasonably long term commitment and you might end up feeling you preferred the 911. Absolutely don't want to pour cold water on this though as I know what a buzz it is looking forward to a new car.
In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
Cheers mate, I’ve test drove the E92 and considered it as the wise choice depreciation wise as you said it’s in the same kind of class as the 997. V8 noise was incredible Car awesome in every way however my last bmw was the F30 the cabin as you mentioned gets slightly dated feel when your used to the newer model. In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
A halfway house on the F80 I feel is going non competition pack for about 30-35k, sticking the performance exhaust on it to sort the noise & the ACS springs to fix the handling you then have a near as dammit comp pack M3 that won’t drop like a stone in relative terms to the 50-60k brand new car.
I am a little anxious about dropping another 25-30k in depreciation in 3 years, it’s also taking a gamble that the new model doesn’t come and rape residuals on the F80 it wasn’t the best received M3 by the motoring press the E92 has the charms of the V8 holding it’s price up but you make a fair point and it’s one that I have debated greatly the new car ain’t what it’s about for me it’s striking the balance between big financial commitment & car enjoyment somewhere in the middle there is a bargain to be had it’s probably the F80 at 3 years old basically.
On the original topic, i've had 3 leases now, all done via VWFS. My first ever lease was a Scirocco for 3 years, had the car for the full term, no missed payments, all good.
Got another lease after that on an A4 for 2 years. Had a few "issues" this time though. My bank details were slightly wrong on the finance documents. I believe either me or them put my account number down 1 digit incorrectly, so the initial payment never went through on time. I called them to query and rectify this and processed the required payment manually. All good? Not quite. When my first monthly payment for the car was due out, around a month later, the money was yet again not taken. I called them up and queried it again. It appeared that the last person i spoke to left my payment profile open-ended, meaning it was not set up to automatically be taken from my account but for me to pay manually by ringing them up. Obviously, this was their mistake. This was rectified and no further issues after that.
On both occasions, i did worry if it might affect my credit rating/score and the chance of me getting finance in the future. I was advised that these would not be classed as missed payments and would not affect me as such. I've since leased again very recently and my finance was approved straight away. I've never actually looked up my score using any system/site.
Got another lease after that on an A4 for 2 years. Had a few "issues" this time though. My bank details were slightly wrong on the finance documents. I believe either me or them put my account number down 1 digit incorrectly, so the initial payment never went through on time. I called them to query and rectify this and processed the required payment manually. All good? Not quite. When my first monthly payment for the car was due out, around a month later, the money was yet again not taken. I called them up and queried it again. It appeared that the last person i spoke to left my payment profile open-ended, meaning it was not set up to automatically be taken from my account but for me to pay manually by ringing them up. Obviously, this was their mistake. This was rectified and no further issues after that.
On both occasions, i did worry if it might affect my credit rating/score and the chance of me getting finance in the future. I was advised that these would not be classed as missed payments and would not affect me as such. I've since leased again very recently and my finance was approved straight away. I've never actually looked up my score using any system/site.
crisp packet said:
Hi Derek - my own experience having owned quite a few 911's and M3's is no-one really cares that much what you drive - or at least no-one you would want to care - so i'd say drive what makes you happy. If you've never owned an M3 then what you're proposing as a first one is quite a financial gamble and reasonably long term commitment and you might end up feeling you preferred the 911. Absolutely don't want to pour cold water on this though as I know what a buzz it is looking forward to a new car.
In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
The big appeal of cars like the M3 is the fact they are user friendly, daily duty sports car - do you not think that you would want something a bit more raw for a weekend car?In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
Having the conundrum myself.
Herbs said:
crisp packet said:
Hi Derek - my own experience having owned quite a few 911's and M3's is no-one really cares that much what you drive - or at least no-one you would want to care - so i'd say drive what makes you happy. If you've never owned an M3 then what you're proposing as a first one is quite a financial gamble and reasonably long term commitment and you might end up feeling you preferred the 911. Absolutely don't want to pour cold water on this though as I know what a buzz it is looking forward to a new car.
In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
The big appeal of cars like the M3 is the fact they are user friendly, daily duty sports car - do you not think that you would want something a bit more raw for a weekend car?In the last 4 years my daily's have been a GT-R (R35), 997 Turbo and a supercharged E90 M3 (which I still have). The commute is good roads although a bit pot-holed at the mo (where isn't!) and i've (finally) come to the conclusion that I haven't been enjoying them as much as I should as dailys. I love the M3, it's a great place to be, lots of toys etc but it's starting to feel less special than it should. I'm now going to largely keep it at home (apart from sunny days or when I feel like bringing it in) and drive more boring cars to work. It will keep the miles off, keep it clean and keep it feeling much more special. A friend with a new M3 drove it the other week and preferred it to his - although his had a nicer cabin.
I don't know if this adds anything at all but if it was me i'd maybe go for something that won't depreciate so much, financing might be trickier, I get that, but if that can be sorted it might mean you've got something you're more connected with but which you can easily shift on for hopefully little financial loss and look forward to getting something else to enjoy.
Happy motoring whatever you do and for the record i'd happily have a beer with you from what i've read! Cheers
Having the conundrum myself.
The exhaust on the gen 2’s need gundo hacked & a 3rd bypass pipe installed so maybe looking at £500-750 to do this. Other than that it’s a 911 handling is incredible, response on the throttle is as you would expect for 350bhp N/A responsive yet very progressive and loves to rev. Its the ultimate raw weekend experience with 1 relatively inexpensive fix on the exhaust.
My issue is sitting 35ks worth of car on my driveway while I pooter about in some old 3’er or 5’er bmw for say what 3-5k?
Part of me thinks you’ll just get the feeling you are always wanting bits of the other car no matter what one you are in. The M3s of this world may not be quite as exciting as a raw 911 but for the average non tracking driver probably ticks the boxes.
I don’t know as you said it is a conundrum, I am a bmw fanboy as it’s obvious to see part of me misses elements of that brand but the Porsche 911 is clinically perfect as a sports car it’s hard to ever find fault with it in its natural environment but it is not a daily driver and my other issue with owning 1 is you need quiet roads it’s a momentum car once you get going it just loves to rev and move winding up someone’s backside every 3 seconds gets tiresome.
Turbos in the M may be boring and unconventional but in the real world it has its merits.
Derek 911 said:
TwinExit said:
daemon said:
FWIW i'm wholly behind you also. The problem was you mentioned BMW & PCP and sadly thats red rags to a bull to a minority on here, who like to look smug and po-faced and sit in judgement of others with passive aggressiveness and condescending comments to "help" you, yet i would say if truth be told their (financial) lives are less than perfect.
It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
If many of PH'ers you rant of were to financially leverage themselves in the way how the OP did, can you imagine the garage list of the average PH'er?It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
Loving and aspiring for fast/flashy cars is one thing, projecting an image of having such cars is quite another...
What planet are people on here living on, 30k lending is barely going to get you in a tricked up C class Mercedes these days this is the price of cars in the modern world is everyone in here just running stuff that’s 10 years old cos that’s what new cars cost and yeah I agree it’s a mugs game but the judgemental attitude of this place really stinks ‘can you imagine what the PH community could afford if they acted like the OP’ your as big a tosser as them.
Get debt for a car or don’t, if you can afford the monthly and you don’t default it’s up to you if you wanna hand the finance company 5-10% profit but the reality is there are lots of brand new cars on the road and if people are dropping 30-40k on them from new and then losing 25 of that over 3 years then well done to them they are ahead of me but I would imagine I’m not the only guy in the country leasing a depreciating asset it works for some of us.
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
TwinExit said:
Derek 911 said:
TwinExit said:
daemon said:
FWIW i'm wholly behind you also. The problem was you mentioned BMW & PCP and sadly thats red rags to a bull to a minority on here, who like to look smug and po-faced and sit in judgement of others with passive aggressiveness and condescending comments to "help" you, yet i would say if truth be told their (financial) lives are less than perfect.
It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
If many of PH'ers you rant of were to financially leverage themselves in the way how the OP did, can you imagine the garage list of the average PH'er?It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
Loving and aspiring for fast/flashy cars is one thing, projecting an image of having such cars is quite another...
What planet are people on here living on, 30k lending is barely going to get you in a tricked up C class Mercedes these days this is the price of cars in the modern world is everyone in here just running stuff that’s 10 years old cos that’s what new cars cost and yeah I agree it’s a mugs game but the judgemental attitude of this place really stinks ‘can you imagine what the PH community could afford if they acted like the OP’ your as big a tosser as them.
Get debt for a car or don’t, if you can afford the monthly and you don’t default it’s up to you if you wanna hand the finance company 5-10% profit but the reality is there are lots of brand new cars on the road and if people are dropping 30-40k on them from new and then losing 25 of that over 3 years then well done to them they are ahead of me but I would imagine I’m not the only guy in the country leasing a depreciating asset it works for some of us.
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
How is going from a Porsche to a M3 being playboy and out of reach?
Here - being crass and criticising someones house or lifestyle when it's uncalled for is bad.
TwinExit said:
Derek 911 said:
TwinExit said:
daemon said:
FWIW i'm wholly behind you also. The problem was you mentioned BMW & PCP and sadly thats red rags to a bull to a minority on here, who like to look smug and po-faced and sit in judgement of others with passive aggressiveness and condescending comments to "help" you, yet i would say if truth be told their (financial) lives are less than perfect.
It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
If many of PH'ers you rant of were to financially leverage themselves in the way how the OP did, can you imagine the garage list of the average PH'er?It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
Loving and aspiring for fast/flashy cars is one thing, projecting an image of having such cars is quite another...
What planet are people on here living on, 30k lending is barely going to get you in a tricked up C class Mercedes these days this is the price of cars in the modern world is everyone in here just running stuff that’s 10 years old cos that’s what new cars cost and yeah I agree it’s a mugs game but the judgemental attitude of this place really stinks ‘can you imagine what the PH community could afford if they acted like the OP’ your as big a tosser as them.
Get debt for a car or don’t, if you can afford the monthly and you don’t default it’s up to you if you wanna hand the finance company 5-10% profit but the reality is there are lots of brand new cars on the road and if people are dropping 30-40k on them from new and then losing 25 of that over 3 years then well done to them they are ahead of me but I would imagine I’m not the only guy in the country leasing a depreciating asset it works for some of us.
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
TwinExit said:
Derek 911 said:
TwinExit said:
daemon said:
FWIW i'm wholly behind you also. The problem was you mentioned BMW & PCP and sadly thats red rags to a bull to a minority on here, who like to look smug and po-faced and sit in judgement of others with passive aggressiveness and condescending comments to "help" you, yet i would say if truth be told their (financial) lives are less than perfect.
It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
If many of PH'ers you rant of were to financially leverage themselves in the way how the OP did, can you imagine the garage list of the average PH'er?It does strike me as very odd that in the "real world" people do have credit card debt, do have car finance and dont have a world of savings yet on here seemingly 95% of people are mortgage and debt free. And yet we're told Facebook is where people build up fake lives for themselves....
And for this to be a motoring "enthusiast" forum, heaven forbid people stretch themselves to get the car they really want....
Loving and aspiring for fast/flashy cars is one thing, projecting an image of having such cars is quite another...
What planet are people on here living on, 30k lending is barely going to get you in a tricked up C class Mercedes these days this is the price of cars in the modern world is everyone in here just running stuff that’s 10 years old cos that’s what new cars cost and yeah I agree it’s a mugs game but the judgemental attitude of this place really stinks ‘can you imagine what the PH community could afford if they acted like the OP’ your as big a tosser as them.
Get debt for a car or don’t, if you can afford the monthly and you don’t default it’s up to you if you wanna hand the finance company 5-10% profit but the reality is there are lots of brand new cars on the road and if people are dropping 30-40k on them from new and then losing 25 of that over 3 years then well done to them they are ahead of me but I would imagine I’m not the only guy in the country leasing a depreciating asset it works for some of us.
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
TwinExit said:
The bottom line is you wanted a slice of the petrol-head playboy lifestyle of having a new M3 and a modern 911 on your Scottish council estate front drive, and BMW are not willing to permit you the finance for that!
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
We all want nicer and better material things and chances are they are usually slightly or way out of reach, so get over yourself.
And here I thought the poster 'Humandoing' was bad.
can we move on, please?We were making progress by discussing the merits of both of these fantastic cars and why someone like myself might reconsider keeping/buying a 997 & gundo hacking exhaust etc to make it feel like a real raw weekend occasion car while finding a cheap daily mode of transport vs the one car to do it all kinda option ala M3/C63/RS4 type car.
Both have obvious advantages and disadvantages and has also been discussed on my thread on the 997 exhaust note.
Both have obvious advantages and disadvantages and has also been discussed on my thread on the 997 exhaust note.
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