Why do you feel the need to buy a new car?

themouthpiece · 31-12-2019 8:23am

Guy:Incognito wrote: »

Why would you be spending 180k? If you're buying a 10 year old Octavia and keeping it for 15 years, why would you be changing a brand new one in anything less than 25 years? So 1 brand new octavia would take you from 22 to retirement.

Are you taking no holidays at all in the 25 years you'll be working? Seems a bit odd seeing as you were going on about people slaving away to pay for their cars?

Yep i will be, but smart with money unlike people buying new cars.

Guy:Incognito · 31-12-2019 8:26am

themouthpiece wrote: »

Twisting words and you can't see the truth. Forget Debt, Say you can pay off the car brand new, say 38K which i can. What an absolute watse of money. If it doesn't affect you retiring early then go for it, all i know not making stupid purchases like that i can retire at 45-50 easily.

I twisted nothing and you were the one that mentioned debt.

Your holidays you'll take between now and retirement are an absolute waste of money . Again, they have zero monetary value, unlike a depreciating asset. Anything you buy new, like a phone, an appliance, a television, is a complete waste of money. You could buy old ones that do the same thing for much less.

themouthpiece · 31-12-2019 8:27am

Guy:Incognito wrote: »

I twisted nothing and you were the one that mentioned debt.

Your holidays you'll take between now and retirement are an absolute waste of money . Again, they have zero monetary value, unlike a depreciating asset. Anything you buy new, like a phone, an appliance, a television, is a complete waste of money. You could buy old ones that do the same thing for much less.

Never seen a 35K phone to be honest. I still don't understand how you can see your pissing away a ton of money, Like the oul drunk lad in the pub 7 days a week.

Guy:Incognito · 31-12-2019 8:27am

themouthpiece wrote: »

Yep i will be, but smart with money unlike people buying new cars.

How is spending money on holidays smart exactly? You keep saying how youre so smart by not buying a depreciating asset but you'll spend so much on something with zero return.

What about the figures on the new car? Why would you be buying 180k worth of new cars instead of 1 to last you 25 years?

FAMLEE · 31-12-2019 8:29am

I have a few decent older cars to choose from daily,

But please for the love of God, anyone with a new car : eyes peeled for a 2010 Skoda Octavia 'Elegence' .. Make sure to flash the LED headlights

themouthpiece · 31-12-2019 8:31am

Guy:Incognito wrote: »

How is spending money on holidays smart exactly? You keep saying how your so smart by not buying a depreciating asset but you'll spend so much on something with zero return.

What about the figures on the new car? Why would you be buying 180k worth of new cars instead of 1 to last you 25 years?

Your not making any-sense here to be honest, all i can say is keep pissing your money away.

Your not understanding what i'm posting.

themouthpiece · 31-12-2019 8:32am

FAMLEE wrote: »

I have a few decent older cars to choose from daily,

But please for the love of God, anyone with a new car : eyes peeled for a 2010 Skoda Octavia 'Elegence' .. Make sure to flash the LED headlights

Ah sure enjoy your new car and ****ting money down the drain.

Guy:Incognito · 31-12-2019 8:33am

themouthpiece wrote: »

Never seen a 35K phone to be honest. I still don't understand how you can see your pissing away a ton of money, Like the oul drunk lad in the pub 7 days a week.

You keep pulling bits out of posts and thinking you're clever. How about actually answering the post? If you were as clever as you think you are youd realise that lots of small things add up to 1 big thing. Maybe if you saved lots of pennies you could spend a few pound on a nice new car for yourself

Tbh, my 8 year old goes on like this when hes fantasising about how being a grown up is so great, he'll have all his money sorted out in x , y , z and be able to buy all these things. Thing is, he'll realise the real world exists in a few years. Seems some people never grow out of it........

Guy:Incognito · 31-12-2019 8:34am

themouthpiece wrote: »

Your not making any-sense here to be honest, all i can say is keep pissing your money away.

Your not understanding what i'm posting.

I'm making perfect sense, you just don't like reading it. All I'm doing is questioning your own figures . You threw out the 180k figure.

themouthpiece · 31-12-2019 8:34am

Guy:Incognito wrote: »

You keep pulling bits out of posts and thinking you're clever. How about actually answering the post? If you were as clever as you think you are youd realise that lots of small things add up to 1 big thing. Maybe if you saved lots of pennies you could spend a few pound on a nice new car for yourself

Tbh, my 8 year old goes on like this when hes fantasising about how being a grown up is so great, he'll have all his money sorted out in x , y , z and be able to buy all these things. Thing is, he'll realise the real world exists in a few years. Seems some people never grow out of it........

In one sentence what exactly are you asking me? No BS, one sentence or two.

31-12-2019 8:35am

themouthpiece wrote: »

Your not making any-sense here to be honest, all i can say is keep pissing your money away.

Your not understanding what i'm posting.

Explain how going on holidays isn’t wasting money if buying cars is wasting money. Just explain that, no dancing around it, no flamping, just that.

Go...

Water2626262 · 31-12-2019 8:36am

OP the unfortunate truth for you is that a lot of people in Ireland have very comfortable lives despite rising inequality etc.

These people buy new cars, will spend a fortune on depreciation, get a decent pension and go to the grave not giving a a single thought to how much they spent or how much they could have saved driving an old car and surviving on bread and water 5 days a week.

Be happy with yourself and don’t let other people’s choices get you down when you are out and about driving.

Quantum Erasure · 31-12-2019 8:36am

themouthpiece wrote: »

Never seen a 35K phone to be honest. I still don't understand how you can see your pissing away a ton of money, Like the oul drunk lad in the pub 7 days a week.

its like the lad who spends 50 quid a week in the bookies, he has that budgeted for his 'buzz' that week, and anything he wins is a profit on it...

themouthpiece · 31-12-2019 8:37am

ReginaldSmythV wrote: »

Explain how going on holidays isn’t wasting money I’d bu buying cars is wasting money. Just explain that, no dancing around it, no flamping, just that.

Go...

Hmmm not travelling, seeing the world. You can get a flight now to New York for 350 euro. A lot less than your monthly car payment , but seriously keep going.

Guy:Incognito · 31-12-2019 8:38am

themouthpiece wrote: »

In one sentence what exactly are you asking me? No BS, one sentence or two.

I've asked you over and over, but all you do is come back that buying a new car is a waste of money.

Why don't you buy everything 2nd hand and cheap to save money?

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

31-12-2019 8:39am

themouthpiece wrote: »

Hmmm not travelling, seeing the world. You can get a flight now to New York for 350 euro. A lot less than your monthly car payment , but seriously keep going.

But if you don’t go to New York you save the €350.

Deub · 31-12-2019 8:42am

themouthpiece wrote: »

Hmmm not travelling, seeing the world. You can get a flight now to New York for 350 euro. A lot less than your monthly car payment , but seriously keep going.

But €350 is only the flight. Add the accommodation, the food and well over a monthly car payment.

themouthpiece · 31-12-2019 8:44am

Guy:Incognito wrote: »

I've asked you over and over, but will you do is come back that buying a new car is a waste of money.

Why don't you buy everything 2nd hand and cheap to save money?

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

Okay lets go. I'm a very intelligent person. Math and Physics degree from NUIM

My phone cost me 130 euro, its a moto G7 power, brilliant phone with the best battery you can get.

Are you going to stay in Ireland for the rest of your life? How sad.

Guy:Incognito · 31-12-2019 8:45am

themouthpiece wrote: »

Okay lets go. I'm a very intelligent person. Math and Physics degree from NUIM

My phone cost me 130 euro, its a moto G7 power, brilliant phone with the best battery you can get.

Are you going to stay in Ireland for the rest of your life? How sad.

I thought you said youd answer? Theres no answer that the questions you quoted in that.

It's like looking at trump's twitter. Answering a question by first trying to brag about how great you are, even though it has no relevance . Then make a spurious false claim about something ( in this case your phone, it may have very good battery life, but it's not be best you can get)

Then another bit with no relevance to the question.

Quantum Erasure · 31-12-2019 8:45am

Deub wrote: »

But €350 is only the flight. Add the accommodation, the food and well over a monthly car payment.

do you want to go to New York every month?

Deub · 31-12-2019 8:46am

themouthpiece wrote: »

Okay lets go. I'm a very intelligent person. Math and Physics degree from NUIM

My phone cost me 130 euro, its a moto G7 power, brilliant phone with the best battery you can get.

Are you going to stay in Ireland for the rest of your life? How sad.

Why staying in Ireland for the rest of your life is sad. Maybe he values more family and friends.

themouthpiece · 31-12-2019 8:46am

Quantum Erasure wrote: »

do you want to go to New York every month?

No, obviously not with 25 days holidays with work you choose where you go.

themouthpiece · 31-12-2019 8:48am

Guy:Incognito wrote: »

I thought you said youd answer? Theres no answer that the questions you quoted in that.

I did your on about personal items and you have no interest in travelling, just the latest bling, which is pretty sad.

I have a question for you. Would you rather a new car than going on five holidays a year?????

Deub · 31-12-2019 8:49am

Quantum Erasure wrote: »

do you want to go to New York every month?

No but then you could use this excuse for the rest: sure I can buy this and that, i don’t have a car payment.

FAMLEE · 31-12-2019 8:49am

themouthpiece wrote: »

Okay lets go. I'm a very intelligent person. Math and Physics degree from NUIM

My phone cost me 130 euro, its a moto G7 power, brilliant phone with the best battery you can get.

Are you going to stay in Ireland for the rest of your life? How sad.

Fair play to you, great qualifications, intelligence is questionable though..

Not a bad entry level phone, not by any means the best battery you can get & the chipset in that phone is not great at preserving battery life either.

Nobody has to stay in Ireland their whole life, but if they want to. They can, that's their choice.

Guy:Incognito · 31-12-2019 8:50am

themouthpiece wrote: »

I did your on about personal items and you have no interest in travelling, just the latest bling, which is pretty sad.

I have a question for you. Would you rather a new car than going on five holidays a year?????

You didn't answer. They were 2 fairly direct questions, you answered neither.

Asking generally about buying all goods 2nd hand is the same as discussing buying cars 2nd hand.

themouthpiece · 31-12-2019 8:54am

Guy:Incognito wrote: »

You didn't answer. They were 2 fairly direct questions, you answered neither.

Asking generally about buying all goods 2nd hand is the same as discussing buying cars 2nd hand.

one line each question and i'll respond

FAMLEE · 31-12-2019 8:54am

themouthpiece wrote: »

I did your on about personal items and you have no interest in travelling, just the latest bling, which is pretty sad.

I have a question for you. Would you rather a new car than going on five holidays a year?????

Yes, provided those 5 holidays were camping in Sligo out the back of a Skoda Octavia 1.6tdi.

Some beast though that octavia especially the heavily choked 1.6tdi variant.. Tell me, does she pull well? Some refinement and comfort and jaysus they only eat the odd back shock every 10 years.

Guy:Incognito · 31-12-2019 8:55am

themouthpiece wrote: »

one line each question and i'll respond

Bull****.

I asked 2 questions. Very simple and all you do is avoid, as usual.

Which bit are you having difficulty with?

You said one sentence or two, theres two questions there, couldn't be simpler.

Guy:Incognito wrote: »

I've asked you over and over, but all you do is come back that buying a new car is a waste of money.

Why don't you buy everything 2nd hand and cheap to save money?

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

31-12-2019 8:56am

themouthpiece wrote: »

I did your on about personal items and you have no interest in travelling, just the latest bling, which is pretty sad.

I have a question for you. Would you rather a new car than going on five holidays a year?????

100% yes. I’d jump in the sea if I had to go on 2 holidays, let alone 5.

Quantum Erasure · 31-12-2019 8:56am

Guy:Incognito wrote: »

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

it depends on the 'enjoyment value' (I'm sure there's a proper 'psychological / economic' term...) of that money, and how its spent. How often do you get to actually 'enjoy' your car, on your hourly commute, in traffic, both ways?...

themouthpiece · 31-12-2019 8:58am

FAMLEE wrote: »

Yes, provided those 5 holidays were camping in Sligo out the back of a Skoda Octavia 1.6tdi.

Some beast though that octavia especially the heavily choked 1.6tdi variant.. Tell me, does she pull well? Some refinement and comfort and jaysus they only eat the odd back shock every 10 years.

She's like a new car to be fair. Again NCT next year takes 30 minutes of my time. She could fail on something.

I will ring up the mechanic if it does with the fail sheet, they will collect it from my workplace and ring me with a quote. They will fix it and bring it in the the same night.

A lot cheaper than 30K

FAMLEE · 31-12-2019 8:59am

Quantum Erasure wrote: »

it depends on the 'enjoyment value' (I'm sure there's a proper 'psychological / economic' term...) of that money, and how its spent. How often do you get to actually 'enjoy' your car, on your hourly commute, both ways?...

If you've the right car you'll enjoy every single second of that commute.

Guy:Incognito · 31-12-2019 9:00am

themouthpiece wrote: »

She's like a new car to be fair. Again NCT next year takes 30 minutes of my time. She could fail on something.

I will ring up the mechanic if it does with the fail sheet, they will collect it from my workplace and ring me with a quote. They will fix it and bring it in the the same night.

A lot cheaper than 30K

Only 15 more years of that and youre sorted.

themouthpiece · 31-12-2019 9:01am

Guy:Incognito wrote: »

I've asked you over and over, but all you do is come back that buying a new car is a waste of money.

Why don't you buy everything 2nd hand and cheap to save money?

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

I'm looking back through the last four pages and there is no direct question, please proceed.

31-12-2019 9:01am

Quantum Erasure wrote: »

it depends on the 'enjoyment value' (I'm sure there's a proper 'psychological / economic' term...) of that money, and how its spent. How often do you get to actually 'enjoy' your car, on your hourly commute, in traffic, both ways?...

The same can be applied to travel. On a holiday I’m pretending not to be miserable for 80% of it and just not pretending for another 15%.

Guy:Incognito · 31-12-2019 9:02am

themouthpiece wrote: »

I'm looking back through the last four pages and there is no direct question, please proceed.

Are you taking the piss? What about the direct question you just quoted, for the 2nd time.

They're even nicely spaced out in 2 separate sentences so as not to confuse.

themouthpiece · 31-12-2019 9:04am

Guy:Incognito wrote: »

Only 15 more years of that and youre sorted.

Wow, one day out of the year, that's worth spending 35K on.

31-12-2019 9:04am

themouthpiece wrote: »

I'm looking back through the last four pages and there is no direct question, please proceed.

Two clear and obvious questions in the post you quoted so you’re blatantly flamping because you have no answers.

Here they are again, feel free any time you like: I bolded them for you and all.

Why don't you buy everything 2nd hand and cheap to save money?

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

Quantum Erasure · 31-12-2019 9:05am

ReginaldSmythV wrote: »

The same can be applied to travel. On a holiday I’m pretending not to be miserable for 80% of it and just not pretending for another 15%.

to be honest, I'd be the same.

that's why I save my money and don't go on many foreign holidays, or buy expensive cars that i'd be spending my time sitting in traffic in....

31-12-2019 9:08am

Quantum Erasure wrote: »

to be honest, I'd be the same.

that's why I save my money and don't go on many foreign holidays, or buy expensive cars that i'd be spending my time sitting in traffic in....

I listen to loads of podcasts so I enjoy sitting in traffic for the most part. If the traffic is too good I don’t get to hear them. I’d definitely be in the minority in that one though.

argentum · 31-12-2019 9:09am

I dont drink or smoke so dont spend a huge amount of money every week on personal stuff.
I work full time and also have a small part time job that pays me a couple of hundred a month so i work hard for my money.
My pleasure is my new car every 4 years that I love driving .
Over the years i love the new electronics that come in every car i get and love driving the actual car..I get them serviced every year and dont have to worry about repairs or breakdowns due to 5 yr warranties
I'm in the market for a new SUV in the new 3 months and have spent part of my time this week looking at new models.
I'd rather that than a holiday to be honest

Guy:Incognito · 31-12-2019 9:10am

Quantum Erasure wrote: »

to be honest, I'd be the same.

that's why I save my money and don't go on many foreign holidays, or buy expensive cars that i'd be spending my time sitting in traffic in....

If you're spending so much time in the car, surely you want it to be as nice and as comfortable a place to be as possible? You wouldn't buy a church pew to use as a couch just because it's cheap.

themouthpiece · 31-12-2019 9:10am

ReginaldSmythV wrote: »

Two clear and obvious questions in the post you quoted so you’re blatantly flamping because you have no answers.

Here they are again, feel free any time you like: I bolded them for you and all.

Why don't you buy everything 2nd hand and cheap to save money?

Because 30-35K or more is a lot of money over a few years. I plan on retiring at 45-50. I have a good car already which never gives trouble.

How is buying a depreciating asset ( the car) that still has value, a waste but spending money on holidays which depreciate 100%, so have no value, not a waste?

This answer is the typical person who never does anything except go to work and watch the late late show on a friday night. Its home work home work work work work home home etc.
Get a life.

31-12-2019 9:13am

themouthpiece wrote: »

This answer is the typical person who never does anything except go to work and watch the late late show on a friday night. Its home work home work work work work home home etc.
Get a life.

They are doing what they enjoy, not what you enjoy.

You don’t have to justify spending loads on holidays if that’s what you enjoy. But you do have to justify why you think buying a car is a waste and a holiday isn't a waste for everyone.

themouthpiece · 31-12-2019 9:15am

ReginaldSmythV wrote: »

They are doing what they enjoy, not what you enjoy.

But getting very defensive, i'm not.

Guy:Incognito · 31-12-2019 9:15am

themouthpiece wrote: »

Wow, one day out of the year, that's worth spending 35K on.

15 more years of no issues , or only cheap ones......

Btw, the picking up and dropping of the car isn't free, its built in to the price. The mechanic isn't going to give up time he could be (or whoever's time that is collecting the car) actually earning money because he likes working on your car. At least ot one with any cop on will..

31-12-2019 9:16am

themouthpiece wrote: »

But getting very defensive, i'm not.

What?

themouthpiece · 31-12-2019 9:16am

Guy:Incognito wrote: »

15 more years of no issues , or only cheap ones......

Btw, the picking up and dropping of the car isn't free, its built in to the price. The mechanic isn't going to give up time he could be (or whoever's time that is collecting the car) actually earning money because he likes working on your car. At least ot one with any cop on will..

Are you listening to yourself right now? Do you know my mechanic?

Guy:Incognito · 31-12-2019 9:18am

themouthpiece wrote: »

This answer is the typical person who never does anything except go to work and watch the late late show on a friday night. Its home work home work work work work home home etc.
Get a life.

That not an answer. We're talking about money. Not what someone chooses to do with their time. Simple financial question. Not whether you prefer to go on holiday vs someone else preferring to spend time at home. If you're bringing the value of what you the enjoyment in to it then your arguement about it being a waste to buy the car is over, because someone enjoyment of the new car cancels it out, just the same as you say spending money on holidays negates the fact that you get no financial return .

You're being very short sighted if you think lots of small amounts of money saved wouldn't be near one big amount.

Why do you feel the need to buy a new car?

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