Performance parts paid on drip
Discussion
t . ?? Be some interesting warranty claims xjay1337 said:
It's quite clear that on PH the general consensus from the "super wealthy" (half of which are not as wealthy as they pretend) is that if you haven't bought everything OUTRIGHT in CASH you can't afford it and you are superior.
Even if they rent a 2 bedroom council house in Bradford and drive around in an Vauxhall Insignia, which is owned outright, but cost them £2000 from Co-Part.
Knobs the lot of them - let people do stuff how they want - it has zero impact on us.
This wasn’t a rant about cars on hpi , it was about the amount of people interested in the pay monthly performance parts . I just found it odd that if you couldn’t afford to buy it , you would deem it so important as to get into debt for. What happened to saving up and enjoying the purchase Even if they rent a 2 bedroom council house in Bradford and drive around in an Vauxhall Insignia, which is owned outright, but cost them £2000 from Co-Part.
Knobs the lot of them - let people do stuff how they want - it has zero impact on us.
berlintaxi said:
That sentence makes you look as financially naive as the people buying stuff you say they can't afford.
Does it ? It just affirms the fact I’ve never been keen on debt of any kind . Even the pretty much unavoidable. Not everyone has to borrow, some of us just earn it . In my line of work I see so many people swamped with credit debt loose everything faster than they can apply for a store card . I was just shocked at the amount of people applying for credit, with some random Facebook company for induction kits an turbos .
berlintaxi said:
Wow, like looking down on people, much? Plenty of people who earn way in excess of the average salary still use interest free credit to make purchases, why would you not?
Debt is an issue when you can't service it, otherwise it can make sound economic sense.
Debt is an issue when you can't service it, otherwise it can make sound economic sense.
Your one of those people who likes to make assumptions from a sentence I see . No I don’t I actually take no enjoyment from seeing people’s life’s ruined by debt tho .
Salmonofdoubt said:
How do you know the cars are all on lease or pcp? Maybe they’ve been able to buy/pay off the car and want the new parts now?
As long as people understand that buying on credit is often more expensive it’s not an issue. Because buying on credit also provides convenience for the consumer and helps keep businesses ticking over by bringing in buyers who would likely use their savings elsewhere.
I pay for my gym membership monthly does that mean I can’t afford it and should save up until I can buy my own gym? Should those who pay monthly for a rail season ticket save up to buy their own train? Not paying outright for things is a norm for many people, live your own life and allow others to make choices that they feel are right for them.
As long as people understand that buying on credit is often more expensive it’s not an issue. Because buying on credit also provides convenience for the consumer and helps keep businesses ticking over by bringing in buyers who would likely use their savings elsewhere.
I pay for my gym membership monthly does that mean I can’t afford it and should save up until I can buy my own gym? Should those who pay monthly for a rail season ticket save up to buy their own train? Not paying outright for things is a norm for many people, live your own life and allow others to make choices that they feel are right for them.
I don’t, it was an example of one of the posters . I do like your rather extreme view
I’m not having a dig at anyone or pcp for that matter. I was just curious. Allso the repayments were in excess of 40% more for the item that’s if there’s no late fees on top . As you say each to there own , my view is equally valid . crofty1984 said:
It works a bit like this:
Someone can save up £100 a month for 2 years and at the end of it but a thing they can enjoy for £2400.
Or they can pay someone £110 a month to have the same thing today. It means that they pay MORE for the thing, but maybe they feel like an additional 2 years of enjoyment is worth £240.
That's how loans work. I hope this little lesson has been useful.
Someone can save up £100 a month for 2 years and at the end of it but a thing they can enjoy for £2400.
Or they can pay someone £110 a month to have the same thing today. It means that they pay MORE for the thing, but maybe they feel like an additional 2 years of enjoyment is worth £240.
That's how loans work. I hope this little lesson has been useful.
Thank you my witty friend , but it was more the mentality that people have now, Rather than the actual workings of the finance . But thank you for that pre school example
That’s not my point at all . I can see car finance ,washing machines etc etc the usual mundane stuff as absolutely fine . If your not in the position to buy or it works for you then great . But Regardless of your financial position in life I don’t see how you justify car mods on tick ? If you can’t afford £145 (example on the thread) on a mod, is it wise to pay in instalments ? I think not personally .
nikaiyo2 said:
If it is 0% then what difference does it make?
£145 is still £145.
Personally if there is 0% on offer i WILL use it. I would rather pay for this from income than wealth, that is just me and my way of looking at the world. It is not right or wrong.
I am not overly worried by debt, never have been, never will be. (Currently well in seven figures and I don't have a mortgage on my PPR)
£145 is still £145.
Personally if there is 0% on offer i WILL use it. I would rather pay for this from income than wealth, that is just me and my way of looking at the world. It is not right or wrong.
I am not overly worried by debt, never have been, never will be. (Currently well in seven figures and I don't have a mortgage on my PPR)
Who’s talking what they are worth?
PistonHeads at its finest . Edited by Weekendrebuild on Monday 24th February 17:45
designforlife said:
OP is too busy splashing out on aftermarket parts for his Celica to reply... all paid for up front from his lavish bank account of course
Funny you should say that.. I’ve literally just had a mint WRC celica st205 gt4 dropped off at my brand new works unit . I had been looking for a low mileage example for some time .
Edited by Weekendrebuild on Tuesday 25th February 19:59
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