Anyone into cars but not credit?
Discussion
I wouldn't worry.
a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
julian64 said:
I wouldn't worry.
a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
is it lonely up there on your pedestal ? a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
J4CKO said:
walm said:
J4CKO said:
Kid costs reduce when they go to school if you are paying for nursery but so many other costs kick in, music lesson, trips, school holidays, tutors, clubs, sports equipment etc etc.
We are spending almost £500 a month at one at Uni, might be two from next Sept, the youngest has a tutor at £35 an hour, his driving lessons are £22 an hour between four and eight of those a month, Insurance on the car for him to learn in is £40 a month.
Then there is what they eat, as they get older the shopping bills rise, they nick your beer as well.
Without kids we could get a smaller house with smaller bills, just have 2 cars, so when they become independent, I will be much better off !
one saving grace is one is independent now.
Well now I am just depressed. We are spending almost £500 a month at one at Uni, might be two from next Sept, the youngest has a tutor at £35 an hour, his driving lessons are £22 an hour between four and eight of those a month, Insurance on the car for him to learn in is £40 a month.
Then there is what they eat, as they get older the shopping bills rise, they nick your beer as well.
Without kids we could get a smaller house with smaller bills, just have 2 cars, so when they become independent, I will be much better off !
one saving grace is one is independent now.
Or the Itunes account transgressions or £150 quids worth of Xbox live Fifa points....
Kids make Audis look cheap.
Sadly, (for me) my monthly rail ticket is over £600 per month.
But, in the south east, that isn't unusual.
J4CKO said:
I would baulk at paying £600 a month, in fact I wouldnt like to pay half that, we have no mortgage or debt of any sort and a decent income, could pay for it but just couldnt bring myself to pay that much for an Audi A3, its a hatchback, nice enough but I would want most of an RS6 for that price !
Nothing wrong with leasing, there are no rights and wrongs in how you finance a car if it works for the individual.
My main bugbear is that I cant fart about with them, i.e. cant remap it.
Doesnt want an a3 but wants a golf Nothing wrong with leasing, there are no rights and wrongs in how you finance a car if it works for the individual.
My main bugbear is that I cant fart about with them, i.e. cant remap it.
Fox- said:
Nowhere has it been said by the OP that the car for £600 a month is an A3 - Dave just assumed it was and everyone ran with it..
Even the worst PCP deal on an A3 isn't going to be 600 quid a month.
Most expensive A3s on PH right now are £45k.Even the worst PCP deal on an A3 isn't going to be 600 quid a month.
Lose what 50% in 3 years = £625 depreciation per month.
BOOM!
(In fact the most expensive 2014 that has done 40k miles is only worth £21k trade retail price.)
julian64 said:
I wouldn't worry.
a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
Typical dross expected on this kind of thread.a) People who buy new are stupid.
b) People who buy new using a loan are stupid, but think they are cleverer than those who just buy new.
c) People who buy new mainly do so because they have no ability, or no faith in their ability, to maintain a car and want to buy security.
d) Dealers love stupid people.
Threads like this just end in an argument over who is the most stupid. Its a bit pointless really.
If you want to buy your car outright and maintain it yourself over an extended period you are probably not one of the stupid people. You are learning skills and not destroying the planet.
My advice, save your credit ability for something you can make a profit on, not a loss.
Stick to the forum where you might learn something about cars. General Gassing is not one of those forum.
stongle said:
vsonix said:
2x 1997 Z3 roadsters
1x 1996 7440i
1x 1998 E36 Touring
1x E46 330d
all bought, paid for, running, taxed, insured. Probably lower monthly overhead keeping them all running and legal than £600 as well, haha!
wow. Can you drive them all at the same time? Are you Audemars (no Pictet's) chauffeur? 1x 1996 7440i
1x 1998 E36 Touring
1x E46 330d
all bought, paid for, running, taxed, insured. Probably lower monthly overhead keeping them all running and legal than £600 as well, haha!
My son has over 150 Hot Wheels, and he's 2!!!! FTW. "Haha"
t again.Speaking as somebody who was brought up to only buy things when they could be afforded (housing aside) this whole PCP thing feels completely alien, but the fact you can get a new car for less "monthlies" than a one year old secondhand one seems bizarre and unsustainable. PCP wouldn't be for me as I like to be able to choose options., however SO is thinking of changing car and I'll throw it into the mix, although she's probably even more set in her ways than me. Things were much simpler when it was a simple choice of cash or HP :-)
Also just to point out that my last car (A4 3.0 Avant) lost a lot less than 50% over 3 years (and a f*ck load less than the equivalent PCP would have been), and the 63 Golf I've just replaced it with likewise (for the previous owner).
Horses for courses. Unlike most on here I do actually find these discussions interesting as previously I would have just dismissed PCP out of hand, good to get different perspectives.
Also just to point out that my last car (A4 3.0 Avant) lost a lot less than 50% over 3 years (and a f*ck load less than the equivalent PCP would have been), and the 63 Golf I've just replaced it with likewise (for the previous owner).
Horses for courses. Unlike most on here I do actually find these discussions interesting as previously I would have just dismissed PCP out of hand, good to get different perspectives.
Lad I worked with had a Audi convertible on a long-term lease. He then lost his job and was out of work for a while before getting a job with us. He couldn't drive it as the tyres were close to the limit and he had mortgage areers etc ontop. I would have felt sorry for him but boy he had misplaced grandeur and arrogance. Due the industry we worked in I never ever lived beyond my means. So I can't comment on £500-600+ on cars even though many earned 70k. You never know what's round the corner.
RizzoTheRat said:
Trexthedinosaur said:
But nobody single / couple will be spending 1/3 of their high income on such a large or expensive property.
In the same way nobody would spend £600/month on an diesel A3? Different people have different priorities. For some it's a nice house, for some it's a particular car, for others its coke and hookers. Personally I'd want to be on a pretty big income to to spend £600/month (my mortgage is less than that on a 3 bed semi) on a car, and I definitely wouldn't spend it on a diesel A3.Gassing Station | General Gassing | Top of Page | What's New | My Stuff