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

Toyotafanboi

ELM327 wrote: »

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?

You'd be getting out of the car before the going potentially gets tough ownership wise and into another brand new car.

You're continuing to be covered by roadside assistance, comprehensive manufacturers warranty, you know you'll likely never have to organise more than an oil change for it, you'll never have to visit an NCT test center and I suppose the car will always have an air of newness to it, which is nice.

Some people hate the thought of having to organise a service, having to content with being told the car needs a new flux capacitor, worrying about breaking down etc etc.

What could you PCP a new Sandero for with a low deposit? I've no idea but I'm guessing less than €200 per month. It's not a swanky car but even for someone on a low-ish income who isn't too "into cars", it's a new car, reliable, peace of mind and all that jazz. Why wouldn't you take a new one every three years if your payments don't increase?

Shefwedfan wrote: »

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

You could always get a decent spec car for it's time. A lot of the stuff available as standard in today's cars simply wasn't available in cars a decade ago though on a like for like basis. I don't think it's possible to say you could buy a ten year old car with the same spec as a new car in a like for like fashion. Sure if you compare a new Micra to a 10 year old 7 series you could make that argument, but in like for like models, cars have improved substantially across the board.

The thing I don't get with this thread, personally is the "older car" drivers seem to have some kind of distaste towards people driving newer cars, assuming they all have hidden agendas and feeling of grandeur and that in exchange for that feeling, they have rice crispies for dinner 7 nights a week and don't mind doing so, so they can look swanky in the work car park. When in reality most new car drivers just seem happy to spend that portion of their income on a newer car to enjoy the latest in tech, safety, design, reliability etc and don't really seem to have any opinion or care on what the rest of the motoring public is driving.

ELM327

ELM327 wrote: »

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

You're not "Driving yourself" you are using hydraulic assist to turn the wheels

ELM327

Deleted User wrote: »

You're not "Driving yourself" you are using hydraulic assist to turn the wheels

You're not driving yourself if you're using a wheel to turn the other wheels.


You're boring me now.

realdanbreen

Toyotafanboi wrote: »

ELM327 wrote: »

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?

You'd be getting out of the car before the going potentially gets tough ownership wise and into another brand new car.

You're continuing to be covered by roadside assistance, comprehensive manufacturers warranty, you know you'll likely never have to organise more than an oil change for it, you'll never have to visit an NCT test center and I suppose the car will always have an air of newness to it, which is nice.

Some people hate the thought of having to organise a service, having to content with being told the car needs a new flux capacitor, worrying about breaking down etc etc.

What could you PCP a new Sandero for with a low deposit? I've no idea but I'm guessing less than €200 per month. It's not a swanky car but even for someone on a low-ish income who isn't too "into cars", it's a new car, reliable, peace of mind and all that jazz. Why wouldn't you take a new one every three years if your payments don't increase?

Shefwedfan wrote: »

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

You could always get a decent spec car for it's time. A lot of the stuff available as standard in today's cars simply wasn't available in cars a decade ago though on a like for like basis. I don't think it's possible to say you could buy a ten year old car with the same spec as a new car in a like for like fashion. Sure if you compare a new Micra to a 10 year old 7 series you could make that argument, but in like for like models, cars have improved substantially across the board.

The thing I don't get with this thread, personally is the "older car" drivers seem to have some kind of distaste towards people driving newer cars, assuming they all have hidden agendas and feeling of grandeur and that in exchange for that feeling, they have rice crispies for dinner 7 nights a week and don't mind doing so, so they can look swanky in the work car park. When in reality most new car drivers just seem happy to spend that portion of their income on a newer car to enjoy the latest in tech, safety, design, reliability etc and don't really seem to have any opinion or care on what the rest of the motoring public is driving.

Rice crispies "7,SEVEN" nights a week ! Jammy basted!

kirving

bob.k wrote: »

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."

Apologies, it took that completely wrong.

Shefwedfan

realdanbreen wrote: »

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

Incorrect


Your flight to alicantecould have 200 people on it so the s**t per person is low.


Stick 200 people in a car each and let them drive the same distance and you will have a lot more s**t as you put it....


Stick 200 people into old car which are 10 year old or more your even more incorrect.....


Plenty of "good" cars should be scrapped for the simple fact the engine emmisions aretoo high. As I said in other European countries this has already started to happen. Not in Ireland yet but guess which is the worst country in Europe for greenhouse

realdanbreen

Shefwedfan wrote: »

realdanbreen wrote: »

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

Incorrect


Your flight to alicantecould have 200 people on it so the s**t per person is low.


Stick 200 people in a car each and let them drive the same distance and you will have a lot more s**t as you put it....


Stick 200 people into old car which are 10 year old or more your even more incorrect.....


Plenty of "good" cars should be scrapped for the simple fact the engine emmisions aretoo high. As I said in other European countries this has already started to happen. Not in Ireland yet but guess which is the worst country in Europe for greenhouse

I take it that mathematics wasn't your preferred subject at school. A 737 would pump out more **** in one flight than 200 cars would in a year.

Shefwedfan

realdanbreen wrote: »

I take it that mathematics wasn't your preferred subject at school. A 737 would pump out more **** in one flight than 200 cars would in a year.

Taken from a website:

A Boeing 747 uses 7840kg of aviation fuel for the take-off, climb and descent portions of the flight and these account for about 250km. For journeys longer than that, the plane will use 10.1kg for each additional kilometre under typical cruising conditions. So to fly from Heathrow to Edinburgh (530km) uses 10,668kg of fuel, which releases a little over 33 tonnes of CO2.
Whereas a Ford Mondeo 1.8 TDCi emits 151g of CO2 per km and covers 650km to reach Edinburgh. That works out to be 98kg for a single passenger, compared to 79kg per person for the Jumbo, assuming it carries its full complement of 416 passengers.

My maths was ok

realdanbreen

Shefwedfan wrote: »

realdanbreen wrote: »

I take it that mathematics wasn't your preferred subject at school. A 737 would pump out more **** in one flight than 200 cars would in a year.

Taken from a website:

A Boeing 747 uses 7840kg of aviation fuel for the take-off, climb and descent portions of the flight and these account for about 250km. For journeys longer than that, the plane will use 10.1kg for each additional kilometre under typical cruising conditions. So to fly from Heathrow to Edinburgh (530km) uses 10,668kg of fuel, which releases a little over 33 tonnes of CO2.
Whereas a Ford Mondeo 1.8 TDCi emits 151g of CO2 per km and covers 650km to reach Edinburgh. That works out to be 98kg for a single passenger, compared to 79kg per person for the Jumbo, assuming it carries its full complement of 416 passengers.

My maths was ok

So a mondeo going from London to Edinburgh would release more than 33 tons of Co2?

mloc123

realdanbreen wrote: »

So a mondeo going from London to Edinburgh would release more than 33 tons of Co2?

Facepalm....

Shefwedfan

realdanbreen wrote: »

So a mondeo going from London to Edinburgh would release more than 33 tons of Co2?

You just made my day.....:p:p:p:p:p:p

I haven't had a good laugh in ages!

Thanks

P.S. If I was you I would remove the comment about my maths...

realdanbreen

Shefwedfan wrote: »

realdanbreen wrote: »

So a mondeo going from London to Edinburgh would release more than 33 tons of Co2?

You just made my day.....:p:p:p:p:p:p

I haven't had a good laugh in ages!

Thanks

P.S. If I was you I would remove the comment about my maths...

I know it's gas, according to his figures you would need to drive the old mondeo from London to Edinburgh, 530 km ! , every day for a year to equal the emmisions from one trip on the same journey in a jumbo jet and he thinks that's an argument for scrapping the mondeo!

mloc123

realdanbreen wrote: »

I know it's gas, according to his figures you would need to drive the old mondeo from London to Edinburgh, 530 km ! , every day for a year to equal the emmisions from one trip on the same journey in a jumbo jet and he thinks that's an argument for scrapping the mondeo!

When was the last time you were the sole passenger on an airplane?

Large bottle small glass

As a side note my father used to service the real Dan Breen's car.

as you were..

Shefwedfan

realdanbreen wrote: »

I know it's gas, according to his figures you would need to drive the old mondeo from London to Edinburgh, 530 km ! , every day for a year to equal the emmisions from one trip on the same journey in a jumbo jet and he thinks that's an argument for scrapping the mondeo!

I think you quoted the wrong person!!!



Also, as suggested remove your little comment about my maths. I am sure we can agree the issue is not with my maths.....

Thank you.

mloc123

realdanbreen wrote: »

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

So some simple maths...

Ford Mondeo 1.8 TDCi emits 151g of CO2 per km, lets say an average a diesel car covers 20,000km a year (this is low IMO). So each car puts out 3000kg of co2 a year.

A flight to Alicante is a 3hr flight (probably less in the air), which is 9800kg of fuel and produces 30,870kg of co2.. lets double that for the return flight also. A holiday to Alicante produces 61,740kg of co2.

So a little under 21 cars worth is the same as a holiday flight to Alicante. Are there really only 21 '00' reg cars on the road in the country?

I've enjoyed reading the different views here, and I think I've figured out a few things.

In spite of several pay increases I don't earn enough to get a car for €10,000 - €15,000. If I look at cars like that and think "How can I afford that?", it's a good indication that I can't, no matter what method I use to pay for it. So I need a new job. I could pay for PCP, but after that and all the other bills are accounted for I wouldn't have much left for unforeseen expenses.

The alternative then is to spend no more than €5,000, which still seems like a lot, and that would get me something like a ten year old Accord 2.2 iDTEC with 150,000 miles. Now that's a good car by all accounts, and it has the features I want, but how long will it go doing 20,000 miles a year before it needs big things done to it, costing big money? I'd like a facelifted one with less than 100,000 miles, so that I wouldn't have to bother about buying a car for about six years, but then we're back in €10,000-€15,000 territory.

Bangernomics? I tried that, and it would make sense if we didn't have to deal with insurance companies.

The solution I think is to stop looking at cars and start looking at jobs.

Shefwedfan

MontgomeryClift wrote: »

I've enjoyed reading the different views here, and I think I've figured out a few things.

In spite of several pay increases I don't earn enough to get a car for €10,000 - €15,000. If I look at cars like that and think "How can I afford that?", it's a good indication that I can't, no matter what method I use to pay for it. So I need a new job. I could pay for PCP, but after that and all the other bills are accounted for I wouldn't have much left for unforeseen expenses.

The alternative then is to spend no more than €5,000, which still seems like a lot, and that would get me something like a ten year old Accord 2.2 iDTEC with 150,000 miles. Now that's a good car by all accounts, and it has the features I want, but how long will it go doing 20,000 miles a year before it needs big things done to it, costing big money? I'd like a facelifted one with less than 100,000 miles, so that I wouldn't have to bother about buying a car for about six years, but then we're back in €10,000-€15,000 territory.

Bangernomics? I tried that, and it would make sense if we didn't have to deal with insurance companies.

The solution I think is to stop looking at cars and start looking at jobs.

Life is too short, buy the car :P:P:P PCP the hell out of it and worry about it in 3 years time

realdanbreen

mloc123 wrote: »

realdanbreen wrote: »

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

So some simple maths...

Ford Mondeo 1.8 TDCi emits 151g of CO2 per km, lets say an average a diesel car covers 20,000km a year (this is low IMO). So each car puts out 3000kg of co2 a year.

A flight to Alicante is a 3hr flight (probably less in the air), which is 9800kg of fuel and produces 30,870kg of co2.. lets double that for the return flight also. A holiday to Alicante produces 61,740kg of co2.

So a little under 21 cars worth is the same as a holiday flight to Alicante. Are there really only 21 '00' reg cars on the road in the country?

Who's going to alicante? He's flying the Jumbo from London to Edinburgh !

Shefwedfan

mloc123

realdanbreen wrote: »

Who's going to alicante? He's flying the Jumbo from London to Edinburgh !

so, you are happy that your original statement that a holiday to Alicante, Ibiza etc... produces more crap than all the 00 reg cars in Ireland is incorrect?

Donald Trump

Deleted User wrote: »

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

Ah, I didn't know Warren Buffet was from Cork.



Have you anything to put up as collateral? Something low risk, worth at least 70k and that will hold it's value? We'll put it into escrow somewhere.



Because if you have, I'm happy to give you 30k now up front. Not even spread over 5 years but up front. I'll finance your investment and we can split the difference. In 5 years you can give me 65k back and keep whatever is leftover (you project 35k) for yourself.......or else I'm keeping your collateral.


Deal?

bob.k

MontgomeryClift wrote: »

I've enjoyed reading the different views here, and I think I've figured out a few things.

In spite of several pay increases I don't earn enough to get a car for €10,000 - €15,000. If I look at cars like that and think "How can I afford that?", it's a good indication that I can't, no matter what method I use to pay for it. So I need a new job. I could pay for PCP, but after that and all the other bills are accounted for I wouldn't have much left for unforeseen expenses.

The alternative then is to spend no more than €5,000, which still seems like a lot, and that would get me something like a ten year old Accord 2.2 iDTEC with 150,000 miles. Now that's a good car by all accounts, and it has the features I want, but how long will it go doing 20,000 miles a year before it needs big things done to it, costing big money? I'd like a facelifted one with less than 100,000 miles, so that I wouldn't have to bother about buying a car for about six years, but then we're back in €10,000-€15,000 territory.

Bangernomics? I tried that, and it would make sense if we didn't have to deal with insurance companies.

The solution I think is to stop looking at cars and start looking at jobs.

With a budget of €5,000 you can purchase a fine car...

I fancy these opel insignias, supposed to be good cars if the oil seal problem has been done (€500) to prevent engine failure. They look fabulous i think....

https://www.donedeal.ie/cars-for-sale/opel-insignia-sc-2-0cdti-130ps-s-s/21627553

Lots of other nice cars also can be had within that budget!

https://www.donedeal.ie/cars-for-sale/09-passat-cc-2-0-tdi-nct-10-19-tax-04-19-cheap-tax/21623457

You should get 5 years plus of driving relatively trouble fee if you find a good car @ €1000 per year

Toyotafanboi

To be fair Bob, those Insignias are scrap. As you say, prone to losing oil pressure with no forewarning writing off the engine, catching fire, chocolate gearboxes, absolute rubbish. There's a reason it's the same price as a Passat 4 years older than it with double the mileage.

Passat CC isn't much better, a much nicer yoke to be in than an Insignia and not as prone to "thermal incidents", the one in your link is a good looking vehicle but has a fine appetite for EGR coolers, injectors, ABS sensors, wheel bearings, slip rings and so forth.

I wouldn't wish an Insignia on my worst enemy, but you'll easily spend the guts of €750 - 1k a year to properly maintain a CC like that one unless you do everything DIY, which, you wont.

Squidgy Black

2009/2010 Avensis for around 4k, cheap tax (280) and plenty of them have reached seriously high mileage as taxis, once maintained properly. Would choose one over an insignia or passat all day.

Shefwedfan

Mondeo....thing will drive for years....a few bits go on them but the parts and labour normally cheap.....

bri007

Some nice e class for sale 07/08/09 for around 4-6k some with good mileage and avantgarde model.

Can’t go wrong for that money if you get one well maintained. Once your not all hung up on the reg plate. They still look like a nice motor on the road today.

elbyrneo

I buy a new car every three years for family use (SUV, 7 seats, high 30k bracket). I could get something of a more premium brand of older year for less, but I buy new because what is of value for our family car is safety, warranty, reliability and peace of mind.

I have an 2007 MK6 GTI for my runabout. I paid 4k for this. Because for my own car, what I value something fun, quick('sh), not too much to tax (still annoys me paying 700!) don't care about fuel coz short journeys, and insurance is just about acceptable (through gritted teeth). I could have spent more but this ticked the boxes and I love it.

What wrecks my head is people questioning other people's decisions to spend their money how they like, new cars a prime example. It's the same as restaurants- every year or so we treat ourselves to a Michelin star experience. We love it. But like cars, it seems to be frowned upon as a waste.

People spend money on exotic holidays. Gadgets. Branded clothes. Cigarettes. Or spend 100 eur every sat night on pints, taxi and takeaways.

Get over yourselves, spend what you like within your budget and be happy.

If you put too much time thinking about what other people do with their money, or proving why your approach is so much better, it's you that has the problem.....

cpoh1

Toyotafanboi wrote: »

To be fair Bob, those Insignias are scrap. As you say, prone to losing oil pressure with no forewarning writing off the engine, catching fire, chocolate gearboxes, absolute rubbish. There's a reason it's the same price as a Passat 4 years older than it with double the mileage.

Passat CC isn't much better, a much nicer yoke to be in than an Insignia and not as prone to "thermal incidents", the one in your link is a good looking vehicle but has a fine appetite for EGR coolers, injectors, ABS sensors, wheel bearings, slip rings and so forth.

I wouldn't wish an Insignia on my worst enemy, but you'll easily spend the guts of €750 - 1k a year to properly maintain a CC like that one unless you do everything DIY, which, you wont.

Not getting the CC comments myself, these are identical in everyway to other vag, be in superb, normal passat etc.why would the CC eat injectors sensore and bearings any more than these?

Just to add i have a 120k miles CC with a DSG and it has been flawless.

Toyotafanboi

cpoh1 wrote: »

Not getting the CC comments myself, these are identical in everyway to other vag, be in superb, normal passat etc.why would the CC eat injectors sensore and bearings any more than these?

Just to add i have a 120k miles CC with a DSG and it has been flawless.

I'm not saying they are any more prone to them than other similar models on the same platform, just that they are prone to them.