Finance to Freedom. Dacia Content, Viewer Discretion Advised
Discussion
Less is quite often more. I have a supercharged Rangey, but I love driving my 30hp two cylinder two stroke Trabant.
Nothing at all wrong with the Dacia, or the Fester (either of them). The Dacia could benefit from a few Renault bits, like the cruise control from a Kadjar for £18 as someone already said. I love things like that. Fitted variable intermittent wipers to the wife's MX5 by buying the stalk from an RX8 off eBay, less than £20 again.
Nothing at all wrong with the Dacia, or the Fester (either of them). The Dacia could benefit from a few Renault bits, like the cruise control from a Kadjar for £18 as someone already said. I love things like that. Fitted variable intermittent wipers to the wife's MX5 by buying the stalk from an RX8 off eBay, less than £20 again.
chrismarr said:
I hate what you've become 
Bring back the old Ryan x
Supra to Skoda estate. Check yourself before you wreck myself. Or something like that. Bring back the old Ryan x
Chris, come round and get a look. I can show you my indicator stalk mounted horn. Or perhaps my boot release wire in the driver's footwell (basically a Subaru).
I am not massively into car cleaning but I do like a presentable car. The owner of the Fiesta had let the car sit over the winter, no doubt below a tree judging by the state of the paint. I attacked the car with all the 90's foam party Autoglym nonsense. In the end I resorted to a microfiber cloth and tar remover on the full car! It was a full day but totally worth it.
As you can see by the images I added at least 6 bhp by fitting the Ford Performance number plate surrounds, removed from the now departed focus.
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|https://thumbsnap.com/eXoqtVRZ[/url]
![](https://thumbsnap.com/sc/BLJa5d2a.jpg[/img]</a> <a href="https://thumbsnap.com/fRNP7efk" Target="_blank" rel="nofollow">[img]https://thumbsnap.com/sc/fRNP7efk.jpg[/img]</a> <a href="https://thumbsnap.com/KNm3XBxP" Target="_blank" rel="nofollow">[img]https://thumbsnap.com/sc/KNm3XBxP.jpg)
As you can see by the images I added at least 6 bhp by fitting the Ford Performance number plate surrounds, removed from the now departed focus.
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|https://thumbsnap.com/eXoqtVRZ[/url]Interior time for the Fiesta. It was absolutely vile. A full seats out, vacuum and shampoo. It came up really well.
Now time to call in the mechanic. Like Jason Statham only not.
Gates Timing belt and water pump
Brembo brake discs and pads
Mann pollen filter
New cables and tilt handles on both seats
Possibly the original pollen filter!
Nice discs putting the calipers and wheels to shame.
The over due belt change! The water pump had signs of leakage so I am glad it all got done together. It's a nice kit that from Gates. I say that like I installed it all. I passed the box to the mechanic and supplied the brew.
First proper run out in the Fiesta and it handled really well. I also managed to burst a rusty brake line on a shopping trip. It was in the usual place at the bend onto the thingy. Again I supplied the tea and watched on.
So that is really it for the Fiesta for now, short some new rubber (I like rubber) and some alloy wheel refurbing. Mot in August, we will see what that bring but for now, all is well.
As for the Sandero, nothing has really changed. I still look like a deviant window cleaner driving it. Plans afoot to take of some of the pensioner badging off and finally deal with the roof bars. A belt is starting to sound painful on it. I will probably just ignore it for now. I done the old wd40 trick on it which worked briefly.
Here it is rocking up to M&S...a thing of beauty.
Now time to call in the mechanic. Like Jason Statham only not.
Gates Timing belt and water pump
Brembo brake discs and pads
Mann pollen filter
New cables and tilt handles on both seats
Possibly the original pollen filter!
Nice discs putting the calipers and wheels to shame.
The over due belt change! The water pump had signs of leakage so I am glad it all got done together. It's a nice kit that from Gates. I say that like I installed it all. I passed the box to the mechanic and supplied the brew.
First proper run out in the Fiesta and it handled really well. I also managed to burst a rusty brake line on a shopping trip. It was in the usual place at the bend onto the thingy. Again I supplied the tea and watched on.
So that is really it for the Fiesta for now, short some new rubber (I like rubber) and some alloy wheel refurbing. Mot in August, we will see what that bring but for now, all is well.
As for the Sandero, nothing has really changed. I still look like a deviant window cleaner driving it. Plans afoot to take of some of the pensioner badging off and finally deal with the roof bars. A belt is starting to sound painful on it. I will probably just ignore it for now. I done the old wd40 trick on it which worked briefly.
Here it is rocking up to M&S...a thing of beauty.
I’ve done something similar.
We ditched my other half’s MINI Cooper a couple of years ago (bought new) for an old 1 series bought from her mum and dad, that’s been changed for a slightly nicer but still old 1 series cab.
I’ve taken the opportunity to ‘downgrade’ too. The prices offered for my M140i were nuts and I wasn’t really using it and like you was wondering what an earth I was paying for. As much as as I’d have liked an M2, the used prices seemed daft and I’d no doubt have ended up taking a massive bath on it. I’ve jumped into a little 130 instead and am really happy with it.
The little Fiesta has scrubbed up.
We ditched my other half’s MINI Cooper a couple of years ago (bought new) for an old 1 series bought from her mum and dad, that’s been changed for a slightly nicer but still old 1 series cab.
I’ve taken the opportunity to ‘downgrade’ too. The prices offered for my M140i were nuts and I wasn’t really using it and like you was wondering what an earth I was paying for. As much as as I’d have liked an M2, the used prices seemed daft and I’d no doubt have ended up taking a massive bath on it. I’ve jumped into a little 130 instead and am really happy with it.
The little Fiesta has scrubbed up.
As I posted earlier I'm pretty happy with my Dacia and cheap watch but I must still be a PHer at heart as I'm constantly thinking of blowing my pensions ISA on a Alfa Guilia Quadrifolio.
I'd hardly ever get to use it's performance, I'll be constantly worried about theft, vandalism and scratching the alloys. The petrol consumption will be atrocious and insurance eye watering.
I still want one though
I'd hardly ever get to use it's performance, I'll be constantly worried about theft, vandalism and scratching the alloys. The petrol consumption will be atrocious and insurance eye watering.
I still want one though
Had a 14 plate Stepway DCI from new.
Had it 3 and a half years and only thing that was a issue is the bonnet started rusting from the inside and was replaced under warranty, don't think they are galved.
Utterly boring car and the headlights were laughable, nearly drove over a fallen tree in a storm once as they went about 20ft in front of the car!
Do miss it tho as it cost pennies and was ultra reliable.
Those roof bars when gone will quieten down the ride a fair bit I would have thought.
Had it 3 and a half years and only thing that was a issue is the bonnet started rusting from the inside and was replaced under warranty, don't think they are galved.
Utterly boring car and the headlights were laughable, nearly drove over a fallen tree in a storm once as they went about 20ft in front of the car!
Do miss it tho as it cost pennies and was ultra reliable.
Those roof bars when gone will quieten down the ride a fair bit I would have thought.
I jacked in a very disappointing Kodiaq 2.0 tsi 4x4 early last year that was purchased on PCP. With the remaining equity I purchased a 2006 Touareg 2.5 tdi. My wife runs a 2002 Audi Allroad 2.5 tdi. Both are well maintained and build quality, despite their age, eclipsesthat of the Kodiaq. I like the feeling of no monthly payments and take pleasure in keeping these behemoths on the road. I also like parking them and not worrying too much about scrapes and dents. Having Corrado Vr6 as weekend car is the cream on the cake.
Nice, i too rid my self of monthly finance agreements and am much happier with my fleet. Dacia looks a nice modern car for not a lot of cash.
Your depreciation calc on your Focus is a little off - you were in negative equity by £36 and I am sure the deprecaition figure from purchase price to sale price was many thousands and hence why the monthly car payment many people male on cars is soul destroying: you end up with nothing and in your case £36 to pay.
I used to have one car on finance but kept it at 3 years old (it was and still is on my drive a late model Seat Exeo with the 170ps engine) and since then I have accumulated a VW Corrado VR6, another Corrado 16v (it was free), a mk4 GT Tdi, mk2 8v GTI, mk3 16v gti and last week a free 2001 11,000 miles Vauxhall Corsa from a distant death in the family. Oddly none of the young adults wanted it and instead wanted leased new fiestas. Barking.
Your depreciation calc on your Focus is a little off - you were in negative equity by £36 and I am sure the deprecaition figure from purchase price to sale price was many thousands and hence why the monthly car payment many people male on cars is soul destroying: you end up with nothing and in your case £36 to pay.
I used to have one car on finance but kept it at 3 years old (it was and still is on my drive a late model Seat Exeo with the 170ps engine) and since then I have accumulated a VW Corrado VR6, another Corrado 16v (it was free), a mk4 GT Tdi, mk2 8v GTI, mk3 16v gti and last week a free 2001 11,000 miles Vauxhall Corsa from a distant death in the family. Oddly none of the young adults wanted it and instead wanted leased new fiestas. Barking.
_Mja_ said:
Nice, i too rid my self of monthly finance agreements and am much happier with my fleet. Dacia looks a nice modern car for not a lot of cash.
Your depreciation calc on your Focus is a little off - you were in negative equity by £36 and I am sure the deprecaition figure from purchase price to sale price was many thousands and hence why the monthly car payment many people male on cars is soul destroying: you end up with nothing and in your case £36 to pay.
I used to have one car on finance but kept it at 3 years old (it was and still is on my drive a late model Seat Exeo with the 170ps engine) and since then I have accumulated a VW Corrado VR6, another Corrado 16v (it was free), a mk4 GT Tdi, mk2 8v GTI, mk3 16v gti and last week a free 2001 11,000 miles Vauxhall Corsa from a distant death in the family. Oddly none of the young adults wanted it and instead wanted leased new fiestas. Barking.
Was just going to post exactly that re the calculation issueYour depreciation calc on your Focus is a little off - you were in negative equity by £36 and I am sure the deprecaition figure from purchase price to sale price was many thousands and hence why the monthly car payment many people male on cars is soul destroying: you end up with nothing and in your case £36 to pay.
I used to have one car on finance but kept it at 3 years old (it was and still is on my drive a late model Seat Exeo with the 170ps engine) and since then I have accumulated a VW Corrado VR6, another Corrado 16v (it was free), a mk4 GT Tdi, mk2 8v GTI, mk3 16v gti and last week a free 2001 11,000 miles Vauxhall Corsa from a distant death in the family. Oddly none of the young adults wanted it and instead wanted leased new fiestas. Barking.
Trustmeimadoctor said:
Was just going to post exactly that re the calculation issue
This is why I stated it had depreciated by £36 referring to the car's sale price, not my method of payment and associated interest. I am under no illusion that the car has cost me more than £36 in 2 years. It is more to point out how crazy the part ex values are.
My wife and I decided to get rid of the Kia Niro we have on Contract Hire and replace it with an estate, primarily to quell canine comfort issues. It’s not a lot per month but we hope the car we’ve replaced it will fit into the amount we spend on the Niro.
There’s also something quite enjoyable about replacing a worthy mpg wagon with a V8.
She is very in the FIRE movement (financial independence, retire early) and this idea appealed to her.
As for the Sandero, I hand them over at work and I really like them. Honest and simple motoring (that’s not to damn them with faint praise).
There’s also something quite enjoyable about replacing a worthy mpg wagon with a V8.
She is very in the FIRE movement (financial independence, retire early) and this idea appealed to her.
As for the Sandero, I hand them over at work and I really like them. Honest and simple motoring (that’s not to damn them with faint praise).
Magikarp said:
My wife and I decided to get rid of the Kia Niro we have on Contract Hire and replace it with an estate, primarily to quell canine comfort issues. It’s not a lot per month but we hope the car we’ve replaced it will fit into the amount we spend on the Niro.
There’s also something quite enjoyable about replacing a worthy mpg wagon with a V8.
She is very in the FIRE movement (financial independence, retire early) and this idea appealed to her.
As for the Sandero, I hand them over at work and I really like them. Honest and simple motoring (that’s not to damn them with faint praise).
I totally get the FIRE movement. For us the coast fire appeals. I think back to when I first started driving and it was whatever you could get your hands on. Now it seems to be whatever you can get approved for finance on. The Sandero is actually not bad, the Easyjet of the car world! There’s also something quite enjoyable about replacing a worthy mpg wagon with a V8.
She is very in the FIRE movement (financial independence, retire early) and this idea appealed to her.
As for the Sandero, I hand them over at work and I really like them. Honest and simple motoring (that’s not to damn them with faint praise).
The Sandero doing target demographic things.
This morning I decided enough was enough. No more retired window cleaner. It was all really quite technical but in short, I smashed hell out of the cover with a screwdriver and hammer combo. Followed on by some drill bit melting at full reverse thrust.
As you will see, Sandra has tarted up quite well. Now with a spring in my step, I moved on to a bit of light debadging.
Really happy with the end result and all done in under 3 mugs of tea. Up next for the flying machine will be a new Aux belt and tensioner to stop the embarrassing squeaking as I set off. Then I will lightly tint the rear windows for mini me and the dog.
One negative would be I didn't think I would miss A/C as much as I do. Luckily last week appears to have been our summer up here.
This morning I decided enough was enough. No more retired window cleaner. It was all really quite technical but in short, I smashed hell out of the cover with a screwdriver and hammer combo. Followed on by some drill bit melting at full reverse thrust.
As you will see, Sandra has tarted up quite well. Now with a spring in my step, I moved on to a bit of light debadging.
Really happy with the end result and all done in under 3 mugs of tea. Up next for the flying machine will be a new Aux belt and tensioner to stop the embarrassing squeaking as I set off. Then I will lightly tint the rear windows for mini me and the dog.
One negative would be I didn't think I would miss A/C as much as I do. Luckily last week appears to have been our summer up here.
The biggest, and most successful lie that’s been spun to the majority of the population in the last 10-15 years is that financed cars make financial sense. Young people have been particularly caught out by it. If a 21 year old graduate takes out a £300/month lease and does that for 10 years, they’ve lost out on easy financial security in their 30s (earnings dependent).
£550 a month into mortgages or savings/investments is no small amount.
I’ve got no problem with financing when people have their finances in order but I cringe when I see what most people are financing and for how much every month.
Good choice op.
£550 a month into mortgages or savings/investments is no small amount.
I’ve got no problem with financing when people have their finances in order but I cringe when I see what most people are financing and for how much every month.
Good choice op.
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