JB33

8 hours ago, formatzero said:

Always difficult to justify big cash spend on a week end car,i wanted to get another Supra but prices have gone mad and I didn't want to spend £18k on an old car.If I were you I would wait to get a nice used Nismo from a Nissan dealer with warranty,probably between £22 and £25k. 

Totally. There is a 15 plate one already at 22k. Saving for another 6 months and then I'll get a used one. Only a few years old. 

3 minutes ago, nissanman312 said:

Can't help thinking if they're giving that kind of deposit contribution the car was never realy the full price to start with ..its all smoke and mirrors 

The salesman said it's because no one buys them and trying to push numbers but still, 31k financed after discounts. There is a 2015 plate for sale with 30k miles and it's going for 22 grand. That's like another 10k in a few years. So I know if I really wanted one I could hang fire a bit until is basically halves in value in 3 years lol. 

I feel like if I had like 20k in the bank or maybe even a full year of expenses and car payments I dont think if have cold feet or doubts. That tells me it's probably a security thing. A little gutted bit more relieved. I might wait until end of the year and bank some extra cash if I don't end up going for something else a bit cheaper. 

I get that that much security might seem excessive but it gives me some comfort now I've thought on it a good bit. 

1 minute ago, Jetpilot said:

Please refer to my first egotistical post  about how to spend your money 

Cold feet I guess. Excited at the time but reality set in. Managed to walk away. Not here for an argument ffs lol always one. Your post actually had no benefit to me ....

Just now, Ekona said:

Erm, surely you just make sure you have the appropriate insurance in place? Certainly I always did when I had my PCP deals in place, nothing to worry about then.

What insurance? Would it cover only redundancy? Not about getting sacked or off sick? 

Also the amount never fully sat well with me (£425 per month) 

So, out for dinner last night with friends and we got chatting about finances. He told me a story of his dad where he lost his job through an unexpected illness. Lost the PCP car and only managed to keep his house. They chased him and debt collectors had to settle the negative equity by removing goods. Put the fear into me and me revaluate. I had this "what the hell am I doing financing a 40k car to drive two days a week for fun"? 

So I cancelled the order and going to save cash and try to get myself one at the 3 year old point instead. Maybe have my eye on a cheaper Z4 again as my previous one was a dream. 

1 hour ago, formatzero said:

Out of interest how did you like the Z4,was it reliable ?

Getting rid of the Z4 was one of my regrets. The car was fantastic and made me every journey a complete joy. Go for the straight 6 though. Dont bother with the 4 cyclinders: they're just not as special. 

Very reliable, no problems out of the few years owning it and the hardtop roof was a gem during the summer. Stunning looks too. 

9 minutes ago, rabbitstew said:

I bought a new BMW the day before my wedding and didnt tell the wife-to-be. I just turned up in it. Then I had  nervous few weeks whilst on honeymoon worrying about my new car left sitting on my drive whilst I was away!  

Haha that's the kind of stuff if usually do but she would shoe me into the ground mate if I done that lol. Not worth my life 

I worried about my Z4 with the devil kids next door. Thankfully they're gone now. 

5 minutes ago, rabbitstew said:

Good choice. When I got my car, I did toy with getting a lower model but had that same niggling doubt id wish id gone for the better model. So I just went with the better model for a start and havent looked back.

 

You have to wait until September? It killed me waiting 10 days to collect mine, I dont know how id cope waiting 6 months! argh!

If it were my decision of have it asap but my missus ain't happy about it coming before the wedding so that was the deal :). 

Nismo ordered for September delivery . I did get a chance to drive a GT but instantly preferred the Nismo, looks, rigity, seats, noise etc. It made me smile more, sold.

Specified September for new plate change over and also a wedding, so didn't want the car to eat up into that money.

Can't wait.

So, I got a final offer on it. I said I only wanted to put in £500 rather than 1000 deposit and I was told it wasn't possible. So I decided to leave it (hard sell). Get an email 30 minutes later saying it can be done but nothing else in the deal. 

So the Nismo is now £31,362 rather than £39,335 list price.  now that seems like a bargain. I think I'm going to secure it on Friday. 

3 minutes ago, Ponsonby said:

It's your money - spend it on what you want. I have known people who drive around in a crap car but will happily spend £10K a year on a holiday. I would rather have a nice car and spend a 'sensible' amount on a holiday.

I recall an argument between two work friends, one who was berating the other for financing a car. But the one doing the berating smoked 30 cigs a day, which would be around £450 a month now, and that was acceptable to them because they 'enjoyed' it.

Yeh that's a fair point. My mates go clubbing and holidays a fair bit but it doesn't interest me. Getting a good shine on the 370z and starting the ignition to empty your mind on a nice drive, ok now you have my attention 

8 minutes ago, antnee said:

I went through a similar decision. I initially saw the offer on a Base model, but looked at the specs and decided I wanted the GT. I test drove the Nismo (twice  ), but for me the Nismo was just a touch too harsh for the almost daily use I am having the car for. I find the GT rides really well where as the Nismo was verging on a crashy ride. 

 

And I like heated seats.

I'm just worried I get the base model and regret it. I can afford the difference and wont come until September (I requested this) due to wedding lol. So means I'll bank more cash as savings. Oh man, I'm really stuck lol. Going to see it again on Friday for another test drive 

I said I can live without a car but I can't; it's in my blood. People say I'm crazy for spending 425 a month on just 'a car'. But to me, they dony get my passion for them. It's something we can't explain. I'm happy even looking at one .... Lol. 

8 minutes ago, Bikeracer said:

That’s only £4K discount, I managed to get just over £7,850 discount from Nissan Worthing. £5,000 Nissan finance contribution and £2,850 ish dealer discount.

I think the £5000 finance contribution had been reduced to £4K however you should still be able to achieve around £6,800 discount plus also save around £400ish on the finance deal which I had as they have reduced the interest from 4.6% to 3.49%. Also 2 free years servicing deal on offer

Give James Barron at Nissan Worthing a call

Hope that helps

Nice one. I'll give him a call. 

The financed amount exactly is 31,438. So minus my 1000 that's a discount of 7.5k as the list price is 40k. 

6 minutes ago, Bikeracer said:

What is the total cost of the Nismo?

I bought a brand new Black Nismo back in January, cheapest deal was £32139 instead of £39950 with 4.6% APR.

£10k deposit, £500 per month for 2 years

Total is around £33700, including around £1600 ish of interest

£36,450 rather than £40k. But there is 1000 from me deposit and 4k from them so the financed amount is £31,450 over 36 months at £427 a month and £18,500 balloon. 3.49 apr  Good deal? 

Ok so, to make things more difficult he has come back with a really strong offer on the Nismo. Think I'm going to do a bit more research on it. He has come back with 425 a month and same deposit for those of you interested in the monthlies. Oh man, what a devil he is lol. 

4 minutes ago, Mikevv said:

I got a Nismo as a compromise to what I really wanted - a Lotus Exige 350.

They were out of budget, and insurance was a nightmare.

 

I put £10k as a deposit, and my monthlies are £280, with a lump sum of £17.5k due at month 37. I think I got a good deal, considering I got the car within 3 weeks also. 

Thanks for the detail, appreciate it. That's a decent figure. I now fear I won't like the base model (even though it now comes standard with synchro match, performance clutch and tinted headlights). I like the seats and exterior or the Nismo but trying to fight the urge .... Maybe it will pass? Lol

Mine is £13,860 at the end of 3 years and only 500 deposit down. 297 a month. Seems the depreciation is still just as huge  not high up on my list because I expect to lose money but just a thought. 

4 minutes ago, Jetpilot said:

Asking people about whether you should finance a 370z is kind of the same, but never mind.

 

Take a look at what Marsman has just bought for similar money (certainly less on the figures), i am afraid a 370z wouldnt even get a look in, they really are only Nismo by name and looks (i.e Nismo Juke), not like the proper special edition Nismos of old.

I suppose you're right. Hold my hand up to being a hypocrite . 

Yeh I seen, the big 5.0. It's a stunning car but I do prefer the Nismo. You have a point there, Nismo doesn't hold the weight it once did. I'm in love with the exterior. Seems a lot to pay though. 

20 minutes ago, Jetpilot said:

You asked a question before you didnt necessarily like peoples views on (egotistical etc) Sure you want to hear? 

Yes I want to hear lol. Yeh as in people telling you how to spend your money. I'm always open to hearing others opinions :)..... Now tell me boy!!!! 

So, I was wondering by the Nissan dealer again yesterday and seen the Nismo version as I've just ordered my base edition. My god, it's gorgeous. The dealer was happy to trade me up but of course for extra coin. But it was far too expensive he could get it down to £520 a month. That's way too much cash for me for a weekend car. Stunning car though. If I had more disposable I would have gotten it. What are everyone's views on the Nismo value? Didn't feel any faster but looked better. 

6 hours ago, antnee said:

Peoples opinions on finance always make me laugh - but everyone is entitled to their own.

 

I'm 3 weeks and 1000 miles into my financed 370Z ownership and I can't get enough of it 

I've been on both sides of the argument over the years. I've realised that it comes down to the fact that it would be egotistical of me to tell someone what they should be doing with their money thinking that my opinion is better. The fact is, it's your money and you spend it how you see fit and what brings you joy :-). Everyone will always have an argument for and against. It's about balance in life and enjoying your money. 

For me, as long as I have savings and cash buffer then that's what makes me happy to sign on the dotted line. I can't wait to get mine either!

29 minutes ago, Kev said:

Good choice. I only read the first page before replying

 

I agree cars are not a investment. Ive lost a fortune over the years and will in the future. 

Thanks for the input. 'better' is subjective though and I did test drive lots of cars and the Z ticked all of my boxes. Minus back seats lol. 

6 minutes ago, Kev said:

I wouldn’t let one bad experience put you off 350z’s. I had mine for 4 years without a single issue and It stood over winter. I sold it last week. 

 

Id much rather have a nice clean, low mile, low owner 350z HR than any 370z. 

 

Imo a new 370z will depreciate much more over the next 3 years than it has in the last 3 years. It’s one of the poorest financial decisions you could make on a car with your budget. 

In all fairness, financial investment doesn't come into my mind when buying a car as I already know it's a terrible investment. It's for fun and enjoyment and I have the budget to do so. It's already a done deal too.

3 minutes ago, formatzero said:

This hits it on the head.Put a question on any forum and you will get plenty of opinions.I am into guitars as well as cars,would I buy a new guitar,no ,always bought second hand, but my eldest son just spent £1500 on a new one because that's what he wanted,so get what you want, we are only here a short time.As a matter of interest which dealer did you choose ?

Yeh agreed. I chosen AF Noble. They beat any car wow offer and given the most discount. 

5 minutes ago, HEADPHONES said:

Congratulations JB33 on deciding on a new zed.

As long as it's within budget and it's something that will bring long lasting joy, you've made the right decision.

My zed was the first new car I ever bought when I was 34.

There is something extra special in getting a brand new car and knowing the history 100%.

Buying new is only a mugs game if not in budget, meaning you're struggling to balance your budget at the end of the year.

You know pics are mandatory on arrival!

Thanks fella. Yes, pics are mandatory :). Agreed as well, if it's all in budget and you have a backup plan then I don't see the problem if thats how one chooses to spend their money.