How the hell do people afford cars these days?
Discussion
okgo said:
Aventador 700 said:
There’s lots, you find parents lack the risk taking nature due to the obvious..
Like what? I do hear what you're saying but it's impossible to really say that they would have a different attitude without kids...silent ninja said:
Kids are brilliant! Best project ever. It's the ultimate legacy.
Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
https://www.thedailymash.co.uk/news/society/man-un...Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
Aventador 700 said:
No offense but i’m really not interested in explaining, most on here are just looking for an argument and i have no interest in proving to others what i already know or arguing / debating with someone i’ll never meet.
I'd have more respect for you if you hadn't done exactly that to the other bloke in your first post 
okgo said:
Aventador 700 said:
No offense but i’m really not interested in explaining, most on here are just looking for an argument and i have no interest in proving to others what i already know or arguing / debating with someone i’ll never meet.
I'd have more respect for you if you hadn't done exactly that to the other bloke in your first post 
Good job i’m not hunting down respect then
Aventador 700 said:
okgo said:
Aventador 700 said:
There’s lots, you find parents lack the risk taking nature due to the obvious..
Like what? I do hear what you're saying but it's impossible to really say that they would have a different attitude without kids...Niponeoff said:
Aventador 700 said:
okgo said:
Aventador 700 said:
There’s lots, you find parents lack the risk taking nature due to the obvious..
Like what? I do hear what you're saying but it's impossible to really say that they would have a different attitude without kids...okgo said:
Aventador 700 said:
Quite.. legacy? Fek that, make memories, thats what people look back on,.
could be children, nothing wrong with that but the incredible memories we’ve made so far without them & only possible without children, is a keeping us very happy as we proceed through life together.
Legacy? Fek that! Neither of us have any interest in that kind of thing, dont really understand the mentality of it either..
Only possible to you...could be children, nothing wrong with that but the incredible memories we’ve made so far without them & only possible without children, is a keeping us very happy as we proceed through life together.
Legacy? Fek that! Neither of us have any interest in that kind of thing, dont really understand the mentality of it either..
There's not many things that you can't do with kids/without really, save going and living on a desert island with a newborn or something (even then, you probably could) - the biggest factor in what you can and cannot do is money. As with most things - with enough of it, you can do almost anything regardless of having kids - is my take. You may well have an aventador and live in a studio flat, I don't know...
Obviously people are free to choose whether to have children or not and certainly it is hard to deny with a moaning toddler that sometimes you remember the simple life, but there isn't anything material that I could afford to buy that would even come close to seeing your children progress in terms of a 'memory'.
Parents always frame it to non-parents as if there are only two options: a) have kids and have a meaningful life or b) don't have kids, buy loads of s
te and live some shallow, meaningless life.Niponeoff said:
david-j8694 said:
silent ninja said:
Kids are brilliant! Best project ever. It's the ultimate legacy.
Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
Yawn.Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
How can you ask someone on their death bed, who has zero future, how would they have lived at a time when they did have a future. Ideally, you make the best decisions you can with all the information you have at the time and roll with it. Looking back decades after the fact, sure you might have more information to offer an alternate path, but then one minor adjustment alters the rest of your trajectory.
How does one spend their time, live the good life or whatever is transient based on where you are now and what you perceive to be ahead of you. In the same way you can't ask your younger self how should you live, as they have a reasonable view that death is so far in the future that life is tantamount to forever, you can't ask the you who's about to have their lights turned off, how would you have lived? They're not the same people.
david-j8694 said:
okgo said:
Aventador 700 said:
Quite.. legacy? Fek that, make memories, thats what people look back on,.
could be children, nothing wrong with that but the incredible memories we’ve made so far without them & only possible without children, is a keeping us very happy as we proceed through life together.
Legacy? Fek that! Neither of us have any interest in that kind of thing, dont really understand the mentality of it either..
Only possible to you...could be children, nothing wrong with that but the incredible memories we’ve made so far without them & only possible without children, is a keeping us very happy as we proceed through life together.
Legacy? Fek that! Neither of us have any interest in that kind of thing, dont really understand the mentality of it either..
There's not many things that you can't do with kids/without really, save going and living on a desert island with a newborn or something (even then, you probably could) - the biggest factor in what you can and cannot do is money. As with most things - with enough of it, you can do almost anything regardless of having kids - is my take. You may well have an aventador and live in a studio flat, I don't know...
Obviously people are free to choose whether to have children or not and certainly it is hard to deny with a moaning toddler that sometimes you remember the simple life, but there isn't anything material that I could afford to buy that would even come close to seeing your children progress in terms of a 'memory'.
Parents always frame it to non-parents as if there are only two options: a) have kids and have a meaningful life or b) don't have kids, buy loads of s
te and live some shallow, meaningless life.Niponeoff said:
david-j8694 said:
silent ninja said:
Kids are brilliant! Best project ever. It's the ultimate legacy.
Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
Yawn.Brushing my teeth everyday and maintaining the car is a faff. Doesn't mean those things aren't worth doing and rewarding in the long run.
When dying people are asked what they regret, not buying a certain car isn't on the list. It's a nice to have but a fleeting material object. Let's not try to add any greater meaning to it
How can you ask someone on their death bed, who has zero future, how would they have lived at a time when they did have a future. Ideally, you make the best decisions you can with all the information you have at the time and roll with it. Looking back decades after the fact, sure you might have more information to offer an alternate path, but then one minor adjustment alters the rest of your trajectory.
How does one spend their time, live the good life or whatever is transient based on where you are now and what you perceive to be ahead of you. In the same way you can't ask your younger self how should you live, as they have a reasonable view that death is so far in the future that life is tantamount to forever, you can't ask the you who's about to have their lights turned off, how would you have lived? They're not the same people.
Aventador 700 said:
Niponeoff said:
Aventador 700 said:
okgo said:
Aventador 700 said:
There’s lots, you find parents lack the risk taking nature due to the obvious..
Like what? I do hear what you're saying but it's impossible to really say that they would have a different attitude without kids...
TeaNoSugar said:
Aventador 700 said:
Niponeoff said:
Aventador 700 said:
okgo said:
Aventador 700 said:
There’s lots, you find parents lack the risk taking nature due to the obvious..
Like what? I do hear what you're saying but it's impossible to really say that they would have a different attitude without kids...So....back on topic 
Think the reality is, most people "think they can" afford their cars (some can of course, but I suspect many can't in reality) but will be interesting in the coming months what happens to this, the monthlies can be deceiving, but there are many ways to buy a car.
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
I did this a year or so ago, WFH more frequently during the week dictated it a little for me, with the odd big trip for work.
I set myself goal that if I can't buy a car in cash, with my monthly wage (yes, different for many), I can't really afford it! Kinda fun, keeps me level headed and saved a friggin fortune in doing this, should of done it years ago.
Think the reality is, most people "think they can" afford their cars (some can of course, but I suspect many can't in reality) but will be interesting in the coming months what happens to this, the monthlies can be deceiving, but there are many ways to buy a car.
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
I did this a year or so ago, WFH more frequently during the week dictated it a little for me, with the odd big trip for work.
I set myself goal that if I can't buy a car in cash, with my monthly wage (yes, different for many), I can't really afford it!
Kinda fun, keeps me level headed and saved a friggin fortune in doing this, should of done it years ago.757 said:
So....back on topic
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
Yes I have / plan to. We’ve quite religiously pch’d our main daily car for the past 12yrs or so, since private leasing became on the scene. Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
Current cars due back in 5 months time and normally I’d have the next one lined up but I’ve not bothered to secure another deal, there just arnt any good deals that suit me. Prices have shot up to levels I just don’t think are reasonable or offer value.
Replacement like for like car to what I’ve got is about 35% more than previous on the term, that’s around 10k more to drive the same car over the term. It’s also a car that’s due a model replacement next year so if anything I’d have under current times expected a better deal now than the one I’m on.
I guess I’ve always been comfortable paying 300-400ish a month for a nice car. However the line in the sand has been crossed for me when the expected price is now £650-700 for the same thing.
All monetary elements factored in I don’t see value in paying £1k / mnth total for a car to take us 500 miles around the doors.
I’ve got another 2 cars, older ones which I own in full so I I’ll be looking to replace the daily with a less valuable but fully owned outright car.
Pch has had its day for now. Pcp has never appealed, as you pretty much pay over the odds and get locked into that manufacturer with neg equity with them rolling you into “deals”.
Edited by Edible Roadkill on Saturday 3rd September 11:57
757 said:
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Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
.
Not quite what you’re saying but…I owned a ‘new’ car outright, which I just sold for £30k (bought for less than that a year ago…)…and then bought a new (£60k) car on PCP with a small deposit and monthly payments equal to about 10% of take home pay. So, plenty of ‘spare’ cash now and with a secure job the monthly payments won’t be an issue. One factor helping here was a very strong GFV on the finance, an amount I am comfortable with ‘losing’. Though of course the value may still hold up better…Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
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New car prices are daft, esp with lease and pcp deals thing on thr ground, EV only makes financial sense if you're currently paying hundreds a month for an ICE car out of post tax salary and can either salary sac or run it through your Ltd company. I'm leasing a model Y, no way I'd spend £650 a month on one from post tax salary, but leasing through Ltd company means I can sell my NX I'm currently paying £330 a month for, plus petrol, MOT, servicing and insurance savings, and the lease means i reduce my post tax income by £20 a month to stay under child benefit limit. So I drive a brand new car as opposed to an 8 year old one, and around £450 a month better off. Granted I could have put this in my pension via employer contribution, but it's a saving for now, not in 20 years time when I can access it.
I have also ordered a Dacia Jogger which I'm paying out of post tax income expected in a couple of weeks, I think dacia and possibly MG are the only manufacturers offering value for money still.
EV prices will plummet in next few years, main customers are business purely because of cheap BIK (ends 2025) and there are only so many customers to chase. When you have cars like the MY, the i4, the ioniq 5, the ZS and mg4, it makes you think who wants to spend £600 a month on an ariya or toyota bz4x, or q4 etron, or a Cupra born.
I have also ordered a Dacia Jogger which I'm paying out of post tax income expected in a couple of weeks, I think dacia and possibly MG are the only manufacturers offering value for money still.
EV prices will plummet in next few years, main customers are business purely because of cheap BIK (ends 2025) and there are only so many customers to chase. When you have cars like the MY, the i4, the ioniq 5, the ZS and mg4, it makes you think who wants to spend £600 a month on an ariya or toyota bz4x, or q4 etron, or a Cupra born.
757 said:
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
I de-fleeted. Had 4 decent cars and 2 bikes, just felt like I was constantly maintaining/taxing/insuring/etc not to mention modifying and fettling, so went down to 1 bike and 2 cars (1 each), then got a shed for the school run, now I've just bought another car, so back up to 4 and 1 bike! Not sure the school run shed counts, it's a bit neglected and doesn't cost much really, so at least I'm not spending money on it.
757 said:
So....back on topic
Think the reality is, most people "think they can" afford their cars (some can of course, but I suspect many can't in reality) but will be interesting in the coming months what happens to this, the monthlies can be deceiving, but there are many ways to buy a car.
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
I did this a year or so ago, WFH more frequently during the week dictated it a little for me, with the odd big trip for work.
I set myself goal that if I can't buy a car in cash, with my monthly wage (yes, different for many), I can't really afford it! Kinda fun, keeps me level headed and saved a friggin fortune in doing this, should of done it years ago.
In a roundabout way.Think the reality is, most people "think they can" afford their cars (some can of course, but I suspect many can't in reality) but will be interesting in the coming months what happens to this, the monthlies can be deceiving, but there are many ways to buy a car.
Is there anyone who has downsized, selling/giving back and running a more simpler car, or a shed in other terms?
I did this a year or so ago, WFH more frequently during the week dictated it a little for me, with the odd big trip for work.
I set myself goal that if I can't buy a car in cash, with my monthly wage (yes, different for many), I can't really afford it!
Kinda fun, keeps me level headed and saved a friggin fortune in doing this, should of done it years ago.Sold my V8 Touareg and bought a Duster.
Only a couple of grand difference but the Duster is 10 years newer and a fair chunk cheaper to run.
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