How the f**k can you afford a decent car?

bazz26

Jesus, there is some amount of begrudgery in this thread.

jmreire

bob.k wrote: »

Not at all, im delighted my car. I have her well kept and actually get great pleasure in driving an older car thats not costing me 150-200 in weekly payments.

Was in a garage forecourt recently and a chap parked in a Mr Whippie van was gesturing at me with thumbs up etc. I wasnt sure what he getting at so I went over and asked is everything ok? He says...yeah man just admiring your car...she's a minter for the year fair play to you...sound man!

I don't begrudge anybody in a new car, just not my cup of tea dropping that much wedge and financing new cars when I could think of better things to spend or invest that much money on! Each to their own though.

Same here Bob, had an 2003 A6 sports 1.9 TDI. Great car, lovely to drive, very economic on fuel ( about 575 Miles on a full tank ) no rust whatsoever. Leather upholstery. It ticked all the boxes,if you needed power ( overtaking etc) it had it in plenty full supply, cruise all day long at motorway speed. It had 155000 miles on it when I sold it after 3 years, but its still going perfect, 15 mths later. Only sold it because a relative needed a car, and a car I fancied became available, I would still have it, other than that . Cost me €1700 back in 2015.Worked out fine for me.

PsychoPete

bob.k wrote: »

No but its a fact that Ireland has an obsession with new car ownership in relation to our to EU neighbours...I think the stats were shared here on boards somewhere!

And yeah I personally know somebody on not much more that min wage driving a new car on PCP.

If you have an older car your getting fleeced with road tax and more than likely high insurance cost if they'll even insure it. People see new cars as cheap to owe

bob.k

What irks me so much is government and insurance companies forcing people into buying newer cars because they are making it more difficult to insure older vehicles. In some cases vehicles only 10 years old ffs...


The cars built in the last two decades are extremely well built...for example here are less than 100k miles C6 Audi's and F10 beamers in the UK that are tanks and in showroom condition for a reasonable 10-15k euro vrt'd but yet in a years time they will be 10 years old and classed by some insurance companies here in Ireland as uninsurable due to the age...ffs that is just absolute madness.

https://www.autotrader.co.uk/classified/advert/201902064676761?keywords=le%20mans&postcode=bt11aa&make=AUDI&advertising-location=at_cars&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&radius=1500&sort=sponsored&price-to=15000&model=A6%20AVANT&page=4

https://www.autotrader.co.uk/classified/advert/201903165952742?keywords=le%20mans&postcode=bt11aa&make=AUDI&advertising-location=at_cars&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&radius=1500&sort=sponsored&price-to=15000&model=A6%20AVANT&page=4

https://www.autotrader.co.uk/classified/advert/201904116855884?keywords=le%20mans&postcode=bt11aa&make=AUDI&advertising-location=at_cars&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&radius=1500&sort=sponsored&price-to=15000&model=A6%20AVANT&page=4

https://www.autotrader.co.uk/classified/advert/201903085697626?make=BMW&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&year-to=2010&advertising-location=at_cars&radius=1500&sort=sponsored&aggregatedTrim=520d&postcode=bt11aa&year-from=2010&model=5%20SERIES&maximum-mileage=100000&price-to=15000&keywords=m%20sport&page=1

https://www.autotrader.co.uk/classified/advert/201904167053440?make=BMW&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&year-to=2010&advertising-location=at_cars&radius=1500&sort=sponsored&aggregatedTrim=520d&postcode=bt11aa&year-from=2010&model=5%20SERIES&maximum-mileage=100000&price-to=15000&keywords=m%20sport&page=1

https://www.autotrader.co.uk/classified/advert/201904167029995?make=BMW&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&year-to=2010&advertising-location=at_cars&radius=1500&sort=sponsored&aggregatedTrim=520d&postcode=bt11aa&year-from=2010&model=5%20SERIES&maximum-mileage=100000&price-to=15000&keywords=m%20sport&page=1

bob.k

PsychoPete wrote: »

If you have an older car your getting fleeced with road tax and more than likely high insurance cost if they'll even insure it. People see new cars as cheap to owe

For sure but it still works out a lot cheaper than 30-40k on a new car

jmreire

Kevin Irving wrote: »

Just don't crash it. Safety systems in new cars have come on leaps and bounds since then.



Kevin, believe me when I say that if I had the misfortune to be involved in an accident, I would much prefer to be in a 2003 Audi A6, than a lot of the newer cars out there,, and I mean 1, 2, and 3 year old cars. When Audi produced the ( at the time ) all new from the ground up A6, it was state of the art, at all levels,,, Safety, Technology, design etc. In many respects, it was ahead of its time, as it needed to be to challenge the Mercedes, BMW. etc. it was designed to do. So R&D is changing the cars we drive, to such an extent that in the not-so-distant future, we will not be driving them at all... they will drive themselves. You are right about the tax and insurance rip -off's here in Ireland, none the less, my 3 years ownership of the A6 cost me € 5628....and that included purchase, Tax and Insurance. It did the same job that a brand new €30-40'000 car would have done,,,and without having to worry about car park trolley damage either...;)

Nonoperational

bazz26 wrote: »

Jesus, there is some amount of begrudgery in this thread.

Welcome to the boards motors forum. If you're not driving a 4 year old "spec'd up" Korean motor you're an idiot.

ShadowHearth

Nonoperational wrote: »

Welcome to the boards motors forum. If you're not driving a 4 year old "spec'd up" Korean motor you're an idiot.

Or if you like to buy a nice car for 25-30k on finance or PCP when you can afford it - you are just scumbags idiot.

Zak Flaps

MontgomeryClift wrote: »

Since my pay has increased nearly 50% over the last couple of years I thought I would buy a car that's not a thirsty, gutless and uncomfortable. I thought it would be nice to get something that had a bit of power, didn't cripple me on long journeys, and could play a podcast from USB without having wires all over the cabin leading into a homemade aux port in the glovebox.

But if I get something that meets those requirements, isn't ten years old, and doesn't have over 100,000 miles on it, I'd need about €15,000. How does anyone save that kind of money every few years working in a regular job? Do most people spread it out using finance? Even if I got finance, I would have to pay nearly €100 a week and over €2,000 in interest, and that's more than my pay can stand.

This is a serious inquiry. How does this work for most people? How do they lay their hands on new or new-ish cars? Are they all selling drugs on the side?

I'm not married!

Shefwedfan

bob.k wrote: »

No but its a fact that Ireland has an obsession with new car ownership in relation to our to EU neighbours...I think the stats were shared here on boards somewhere!

And yeah I personally know somebody on not much more that min wage driving a new car on PCP.

So you have a problem now with people who have the ability to budget correctly?

It’s simple, PCP etc is all signed off with Finance requirement, you can’t afford it you don’t get it. Seems like your just jealous this person bought a new car

Minimum wage is nearly 10 an hour, 40 hour week is 400 or 1200 a month. PCP could be 300 quid, less than a weeks wages and they could have no overheads.....

As I said already, drive your old car around, I doubt anyone cares....except you.I might buy a new car, I might not.I certainly don’t care what you or anyone else thinks.

Shefwedfan

Nonoperational wrote: »

Welcome to the boards motors forum. If you're not driving a 4 year old "spec'd up" Korean motor you're an idiot.

I would suggest the begrudgery is the other way.....I doubt anyone in a new car gives 2 thought to people driving round in 10 year old car....it seems the people in the 10 year old car have a massive issue with people buying new cars....

ednwireland

ednwireland wrote: »

bank still owns the house until the last payment its not yours despite what people think.

That's not the point, no one says "You should only get a house if you can afford to drop the cash personally, no mortgage"
You can afford the car (or house) if you can afford the finance.

bob.k

Shefwedfan wrote: »

So you have a problem now with people who have the ability to budget correctly?

It’s simple, PCP etc is all signed off with Finance requirement, you can’t afford it you don’t get it. Seems like your just jealous this person bought a new car

Minimum wage is nearly 10 an hour, 40 hour week is 400 or 1200 a month. PCP could be 300 quid, less than a weeks wages and they could have no overheads.....

As I said already, drive your old car around, I doubt anyone cares....except you.I might buy a new car, I might not.I certainly don’t care what you or anyone else thinks.

No I am absolutely not jealous ffs...I say well wear.

I can have a new car in the morning but my own costs me nothing and serves its function very well of getting me from A to B in comfort. Its not a question of affordability. I have 40k worth of motorcycles in the garage as my hobby is motorcycling and racing.

My gripe is the the way the country's policy now is oriented towards new car ownership which is unnecessary. There are fantastic older vehicles that can be had for decent money without the need to be signing into PCP contracts.

Donald Trump

Donald Trump wrote: »

100k?


Maybe if you invest that 30k in importing/making and selling crack and don't get caught or killed.

Or maybe you got a spam email offering to give you 100k in 5 years if you "invested" 30k now?

Other than that................ crazy talk.

Bitcoin at the height (so yeah "crazy talk")

ELM327

A lot of that was available in 10 year old BMWs.
The rest is not necessary.

I can't see a reason to continue on PCP - ie say someone bought a dacia duster in 2016 on PCP and it's up for renewal. Why would they take a second PCP?

bob.k

OSI wrote: »

Well that's entirely false.
You can buy a new Golf for half that that will park itself.
Cruise control has come on leaps and bounds since yours was developed, you can join a motorway now enable the CC and not have to touch a pedal again as the radar will slow the car down and even stop it to maintain distance to traffic in front.
Blind spot monitoring will alert you to cars in your vicinity that you might not see in your mirrors.
Auto hold and parking brake mean you can drive a car for years without having to touch the handbrake once.
Lane assist on some models will even enable you to drive handsfree for a period of time and keep you safely within the confines of your lane, even around bends and in traffic.
Electrochromatic rearview mirrors will autodim to reduce the glare from headlights behind you without you having to flick that stupid toggle thing back and forward.
Modern LED headlights will shape the beam of light to suit the conditions and traffic meaning there's no dimming of high beams, and they will bend to follow the curve of the road to provide better illumination.
Some infotainment systems will tie fuel levels into the sat nav and provide you with a list of local petrol stations and their prices when you need a refill and present directions and maps on the dashboard with one tap.
Tyre pressure monitoring systems can tell you the exact pressure of each tyre and make suggestions as to the preferred pressure based on the load in the vehicle.
We have safety systems now that can pre-empt a crash and either pre-load the brakes to reduce the reaction time or even brake themselves as a last ditch effort to stop you rear-ending someone. They'll even pre-tension seatbelts.
You can walk up to a modern car with your keys in your pocket, and unlock the door sit in and start the car without ever touching them. Some will even open the boot if you don't mind looking like an eegit wagging your foot around.

Well in my opinon besides those in bold a lot of these things are taking the pleasure from driving and dumbing it down. I don't need any of that wizardy to be aware of my surroundings on the road and drive well.

OSI

OSI wrote: »

Well that's entirely false.
You can buy a new Golf for half that that will park itself.
Cruise control has come on leaps and bounds since yours was developed, you can join a motorway now enable the CC and not have to touch a pedal again as the radar will slow the car down and even stop it to maintain distance to traffic in front.
Blind spot monitoring will alert you to cars in your vicinity that you might not see in your mirrors.
Auto hold and parking brake mean you can drive a car for years without having to touch the handbrake once.
Lane assist on some models will even enable you to drive handsfree for a period of time and keep you safely within the confines of your lane, even around bends and in traffic.
Electrochromatic rearview mirrors will autodim to reduce the glare from headlights behind you without you having to flick that stupid toggle thing back and forward.
Modern LED headlights will shape the beam of light to suit the conditions and traffic meaning there's no dimming of high beams, and they will bend to follow the curve of the road to provide better illumination.
Some infotainment systems will tie fuel levels into the sat nav and provide you with a list of local petrol stations and their prices when you need a refill and present directions and maps on the dashboard with one tap.
Tyre pressure monitoring systems can tell you the exact pressure of each tyre and make suggestions as to the preferred pressure based on the load in the vehicle.
We have safety systems now that can pre-empt a crash and either pre-load the brakes to reduce the reaction time or even brake themselves as a last ditch effort to stop you rear-ending someone. They'll even pre-tension seatbelts.
You can walk up to a modern car with your keys in your pocket, and unlock the door sit in and start the car without ever touching them. Some will even open the boot if you don't mind looking like an eegit wagging your foot around.

Hell my seatbelts pre-tense if you accelerate hard (just in case!)

bob.k

bob.k wrote: »

Well in my opinon besides those in bold a lot of these things are taking the pleasure from driving and dumbing it down. I don't need any of that wizardy to be aware of my surroundings on the road and drive well.

Shur go back to drum brakes, no power steering, and no seat belts there so :rolleyes:

Shefwedfan

bob.k wrote: »

No I am absolutely not jealous ffs...I say well wear.

I can have a new car in the morning but my own costs me nothing and serves its function very well of getting me from A to B in comfort. Its not a question of affordability. I have 40k worth of motorcycles in the garage as my hobby is motorcycling and racing.

My gripe is the the way the country's policy now is oriented towards new car ownership which is unnecessary. There are fantastic older vehicles that can be had for decent money without the need to be signing into PCP contracts.

Each to their own.....you seem hung up on what other people do

As I said, drive your car or buy a new one who cares....but slagging off people and making out they are idiots because they invested their own money in a car is a over the top

No policy in this country against older cars, the 10 year rule doesn’t really count and it was brought in to stop unroadworthy cars on the road.

Your car is probably one of the dirtiest in terms of emissions on the road, banned in the likes of Germany....should be brought in here and everywhere as well

realdanbreen

Shefwedfan wrote: »

As I said already, drive your old car around, I doubt anyone cares....except you.I might buy a new car, I might not.I certainly don’t care what you or anyone else thinks.

Ouch! Sounds like all those nights sitting in watching operation transformation in order to meet the car repayments are starting to kick in!

Twenty Grand

[Deleted User] wrote: »

Shur go back to drum brakes, no power steering, and no seat belts there so :rolleyes:

That's not the point he's making at all.

You can buy a 10 year old BMW for 4k that has many of those features.
Cruise control
Auto headlights
Auto wipers
Dimming mirrors
Electric Leather seats
Parking sensors front and back
RV Camera
Bluetooth etc etc.

I'd admit that most new features are gimmicks. Lane assist has never worked on any car I've driven, unless you want to be pinged around the road
Adaptive cruise is useful, but youd need to keep an eye on it.
Electric handbrake is meh IMO.
Also I'd like to see a 25k golf with all those features.

ELM327

Twenty Grand wrote: »

That's not the point he's making at all.

You can buy a 10 year old BMW for 4k that has many of those features.
Cruise control
Auto headlights
Auto wipers
Dimming mirrors
Electric Leather seats
Parking sensors front and back
RV Camera
Bluetooth etc etc.

I'd admit that most new features are gimmicks. Lane assist has never worked on any car I've driven, unless you want to be pinged around the road
Adaptive cruise is useful, but youd need to keep an eye on it.
Electric handbrake is meh IMO.
Also I'd like to see a 25k golf with all those features.

an e60 LCI bmw (IE the 5 series from 2007-2009) had adaptive cruise with lane keep assist. Along with all that other stuff you list.

kirving

bob.k wrote: »

Well in my opinon besides those in bold a lot of these things are taking the pleasure from driving and dumbing it down. I don't need any of that wizardy to be aware of my surroundings on the road and drive well.

You're actually saying that Blind Spot Monitoring and the car priming the brakes/seatbelts when the radar detects a potential collision take the pleasure from driving?!

If you had said electric cars take and lumpy 3 cylinder diesels take the pleasure from driving, you might have a point. But all you've done is show that you have no idea how newer safety systems operate daily.

Blind Spot Monitoring is a great aid in dark or poor weather where you might not necessarily spot the cyclist with no lights sitting just off the rear bumper in slow traffic.

The likes of Mercedes Pre-Safe is a last ditch attempt to prevent you or someone else being killed in a crash that you never saw coming. It has almost zero influence on your daily driving unless you have to slam on the brakes and you feel the seat belt tension.

Shefwedfan

I don’t think the spec conversation is worth having, you could always get a decent spec car if you wanted

The big issue with older cars is what comes out of the tail pipe, a lot of these older cars are a lot dirther than newer engine cars, petrol and diesel included.

For health reason alone it should be a reason some of them are taken off the road.....

realdanbreen

Shefwedfan wrote: »

I don’t think the spec conversation is worth having, you could always get a decent spec car if you wanted

The big issue with older cars is what comes out of the tail pipe, a lot of these older cars are a lot dirther than newer engine cars, petrol and diesel included.

For health reason alone it should be a reason some of them are taken off the road.....

One holiday flight to Ibiza, Alicante wherever will throw more **** into the athmosphere than all the 00 cars in the country!

bob.k

Kevin Irving wrote: »

You're actually saying that Blind Spot Monitoring and the car priming the brakes/seatbelts when the radar detects a potential collision take the pleasure from driving?!

If you had said electric cars take and lumpy 3 cylinder diesels take the pleasure from driving, you might have a point. But all you've done is show that you have no idea how newer safety systems operate daily.

Blind Spot Monitoring is a great aid in dark or poor weather where you might not necessarily spot the cyclist with no lights sitting just off the rear bumper in slow traffic.

The likes of Mercedes Pre-Safe is a last ditch attempt to prevent you or someone else being killed in a crash that you never saw coming. It has almost zero influence on your daily driving unless you have to slam on the brakes and you feel the seat belt tension.

What?? I think you need to re-read my comment.

"Well in my opinon besides those in bold a lot of these things are taking the pleasure from driving and dumbing it down. I don't need any of that wizardy to be aware of my surroundings on the road and drive well."

ELM327

OSI wrote: »

E60 had lane departure warning. Show me an E60 that will come up to a bend and steer itself around it without any input from the driver, or actively keep you positioned in the middle of a lane. Making the wheel shake is a far cry from semi-autonomous driving.

I prefer to drive myself thanks, but there are plenty of cars out there within the last few years that have varying levels of lane keep assist (active, or passive).

ELM327

ELM327 wrote: »

I prefer to drive myself thanks, but there are plenty of cars out there within the last few years that have varying levels of lane keep assist (active, or passive).

So you turn off power steering?

As an aside:

Driving should be dumbed down. This forum is full of people complaining about the idiocy on Irish roads.

ELM327

Deleted User wrote: »

So you turn off power steering?

Do you remove the electric starter?
Insist on drum brakes?


It's the same level of autonomy offered by power steering - ie none