Get a Grip and Take responsibility for your own future....
Discussion
As i'm at risk of sidetracking another thread, and upsetting a few people who fall into this trap and don't see it as their responsibility - posting my comments below as would feel terrible if I sidetracked someone else's thread without asking them, because we must take care not to be honest and hurt peoples feelings:
We are too soft, as a people, and as a nation.
We are quick to take out finance deals we can only afford based on Monthly in / Monthly out, leaving £0 until next payday. We feel its our "right" to have a shiny new car / van, then when we cant afford the payments - its our "right" to hand it back and get preferential terms for the payments we can't afford to make.
Sadly this is a large part of the economic downfall of our country - look at all the people driving around in brand new EV's from China that they can't afford, scraping together the cash for the monthly payment with no forward planning or reserve - then when it falls apart getting shirty when people point out their flaws - suggest "get a job, any job" as if its below them, well, i tell you - step forward freedom, step forward fiscal responsibility and take care of oneself, ones family and ones finances - don't have something today you can't afford tomorrow for tomorrow - who knows.
"mic drop"
We are too soft, as a people, and as a nation.
We are quick to take out finance deals we can only afford based on Monthly in / Monthly out, leaving £0 until next payday. We feel its our "right" to have a shiny new car / van, then when we cant afford the payments - its our "right" to hand it back and get preferential terms for the payments we can't afford to make.
Sadly this is a large part of the economic downfall of our country - look at all the people driving around in brand new EV's from China that they can't afford, scraping together the cash for the monthly payment with no forward planning or reserve - then when it falls apart getting shirty when people point out their flaws - suggest "get a job, any job" as if its below them, well, i tell you - step forward freedom, step forward fiscal responsibility and take care of oneself, ones family and ones finances - don't have something today you can't afford tomorrow for tomorrow - who knows.
"mic drop"
Edited by scotlandtim on Thursday 11th June 09:29
scotlandtim said:
would feel terrible if I sidetracked someone else's thread without asking them, because we must take care not to be honest and hurt peoples feelings:
Why have you posted this here? You've already posted this identical post on the thread you are referring to.So you have sidetracked someone else's thread (are you feeling terrible?).
Why post it again. Attention seeking?
911Spanker said:
So what's the solution if you want a reliable car?
A car doesn't have to be new to be reliable. I'm driving a 20-year-old Audi and the only faults are that one of the glovebox hinges is broken, and the A/C has suddenly decided not to work. But until a few weeks ago it worked well. How much is the car worth? Little enough that most people would not need to finance it. But it doesn't look brand new so it's not helping you keep up with the Joneses, which is incredibly important for some reason.911Spanker said:
So they don't have a car until they have saved £30k?
If they want to spend £30k on a car..... its this frame of mind that's ruining out country and economy. You don't need to spend £30 on a car, thats a bit silly if you dont have £30k ........Better, save a bit (£2-3k) and buy something old, reliable with 12m MOT - jobs a good 'un..
Mine is 25 yrs old and cost £500 : https://www.pistonheads.com/gassing/topic.asp?h=0&...
I have not and will never spend £30k on a car.
scotlandtim said:
If they want to spend £30k on a car..... its this frame of mind that's ruining out country and economy. You don't need to spend £30 on a car, thats a bit silly if you dont have £30k ........
Better, save a bit (£2-3k) and buy something old, reliable with 12m MOT - jobs a good 'un..
Mine is 25 yrs old and cost £500 : https://www.pistonheads.com/gassing/topic.asp?h=0&...
I have not and will never spend £30k on a car.
So how are you going to buy your £500 snotter, if someone doesn't buy it as a new car in the first place?Better, save a bit (£2-3k) and buy something old, reliable with 12m MOT - jobs a good 'un..
Mine is 25 yrs old and cost £500 : https://www.pistonheads.com/gassing/topic.asp?h=0&...
I have not and will never spend £30k on a car.
Mammasaid said:
So how are you going to buy your £500 snotter, if someone doesn't buy it as a new car in the first place?
I already have, so i don't need to, hence my above point. However, there will always be some who can afford to buy new, thus ensuring a supply of "snotters" for the more astute among us. It those who cant afford it who im advising against, "rise up o fellow man, buy a snotter, and pocket your wages for a rainy day "Truffles galore!" went the cry from behind"
scotlandtim said:
911Spanker said:
So they don't have a car until they have saved £30k?
If they want to spend £30k on a car..... its this frame of mind that's ruining out country and economy. You don't need to spend £30 on a car, thats a bit silly if you dont have £30k ........Better, save a bit (£2-3k) and buy something old, reliable with 12m MOT - jobs a good 'un..
Mine is 25 yrs old and cost £500 : https://www.pistonheads.com/gassing/topic.asp?h=0&...
I have not and will never spend £30k on a car.
The average Joe on PH or the real world needs something that is reliable, safe for their family and quite frankly don't need to worry about it s
tting itself on the way to work. Even small repairs can be a royal pain in the ass if you can't be bothered to spend your weekends getting greasy. I certainly am not going to be doing that.Before leasing our Puma EV, we looked at all sorts - getting a £10-15k Mini etc may save a few quid but it wasn't worth the risk and the reality is plenty of newish cars will have issues. And the cost and time for repairing isn't worth it.
You could buy a car for a couple of grand of course but even that won't save a huge amount over what we are paying when you factor in all costs.
I quite fancy a cheap Toyota for a couple of grand which I will likely add to the stable but I don't expect to save loads running that over our Ford.
scotlandtim said:
911Spanker said:
So they don't have a car until they have saved £30k?
If they want to spend £30k on a car..... its this frame of mind that's ruining out country and economy. You don't need to spend £30 on a car, thats a bit silly if you dont have £30k ........Better, save a bit (£2-3k) and buy something old, reliable with 12m MOT - jobs a good 'un..
Mine is 25 yrs old and cost £500 : https://www.pistonheads.com/gassing/topic.asp?h=0&...
I have not and will never spend £30k on a car.
First put aside the idea that many people are dropping £30k+ in cash on a car. If you had to do that there would be almost no new car buyers, so almost no used car supply, and inevitably almost no cars and all the many benefits they bring.
Secondly the idea of turning a vehicle into a fixed monthly outgoing, and by that I do mean fixed rather than highly variable which is what running an old car often is particularly if you're not skilled or interested in fixing it yourself, is an eminently sensible thing for most people to do.
To put it another way, if someone spent £300 a month on bus and train tickets to get around you wouldn't call them an idiot and rant about them, you'd just consider it a cost of them getting to work (to earn considerably more than £300 a month) and enjoy their life (with value equivalent to more than £300 a month for them) so why is it foolish to earmark £300 a month of your income for a reliable car that you like?
This is just another example of the weird snobbery that pervades British culture, finding any reason to sneer at and try to feel superior to others.
Full disclosure - no motor finance here and only used PCP once to get a discount, but I don't think that makes me superior to anyone.
scotlandtim said:
Mammasaid said:
So how are you going to buy your £500 snotter, if someone doesn't buy it as a new car in the first place?
I already have, so i don't need to, hence my above point. However, there will always be some who can afford to buy new, thus ensuring a supply of "snotters" for the more astute among us. It those who cant afford it who im advising against, "rise up o fellow man, buy a snotter, and pocket your wages for a rainy day "Truffles galore!" went the cry from behind"
t box. Fine if you genuinely aren't interested in cars or driving and just want to save a few quid for some Mars bars...I have spent thousands on suspension over the years. Crazy huh?scotlandtim said:
Mammasaid said:
So how are you going to buy your £500 snotter, if someone doesn't buy it as a new car in the first place?
I already have, so i don't need to, hence my above point. However, there will always be some who can afford to buy new, thus ensuring a supply of "snotters" for the more astute among us. It those who cant afford it who im advising against, "rise up o fellow man, buy a snotter, and pocket your wages for a rainy day "Truffles galore!" went the cry from behind"
Or are you just jealous that they've got a newer car than you?
You all misunderstand me.
My point is simple - i don't think i'm superior to anyone here. I simply say - if you cant afford it, don't buy it (Nothing wrong with finance, but if you don't have a few months reserves for "a rainy day" then, in my opinion, its a bit silly / risky to take out finance on something which may put your home / family tesco shop etc at risk if you lose a months wages.
My point is simple - i don't think i'm superior to anyone here. I simply say - if you cant afford it, don't buy it (Nothing wrong with finance, but if you don't have a few months reserves for "a rainy day" then, in my opinion, its a bit silly / risky to take out finance on something which may put your home / family tesco shop etc at risk if you lose a months wages.
Mammasaid said:
So how do you know that they 'can't afford it'? Do you do a forensic investigation into their finances, all of their incomings and outgoings?
Or are you just jealous that they've got a newer car than you?
How do i know - stems from the other thread I posted on where the OP said he "can't afford it"....Or are you just jealous that they've got a newer car than you?
Not jealous at all, very happy with my car, if i wanted something different id get it, but i don't, and when i fancy something a bit sportier I hop into my single seater convertible with a fabulous 2L engine from 1948 - quite a sound it makes a full throttle!
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