martybhoy Posted May 23, 2015 Share Posted May 23, 2015 Congrats mate on the scooby. Can't wait to see it. 1 Quote Link to comment Share on other sites More sharing options...
gangzoom Posted May 24, 2015 Share Posted May 24, 2015 (edited) You're going to regret that matey, but congrats anyway, new cars are always things to celebrate What you save on finance you're going to pay out more in fuel, but at least you'll be having more fun doing it! I'm sure the new car would be fun...Don't forget modding costs on top of extra fuel costs....Wasn't the point of a diesel A5 originally something to do with saving money compared to running a Z. I originally bought a Z because I thought it would be cheaper to run/maintain/insure than a Hawkeye Impreza Edited May 24, 2015 by gangzoom 1 Quote Link to comment Share on other sites More sharing options...
newkid Posted May 24, 2015 Share Posted May 24, 2015 I love scoobs much better than a z4, good man. 1 Quote Link to comment Share on other sites More sharing options...
newkid Posted May 24, 2015 Share Posted May 24, 2015 I always tell myself "time for a diesel" when the new car time comes, but always end up with a faster more fuel hungry beast than last time....it must be a man thing. Only live once right!! 1 Quote Link to comment Share on other sites More sharing options...
gangzoom Posted May 24, 2015 Share Posted May 24, 2015 (edited) Only live once right!! Very true but what you need to do is apply that thinking to houses....I don't know what house prices are like where you live, but around Leicester a large detached house with a double garage in a nice area is at least £500,000 - This is the price range our next house will be in - If your anywhere near London I really feel sorry for you because you wouldn't get much more than a mid-terrace/flat for £500k, how you bring up a family in a flat I have no idea Monthly mortgage payments on a £400,000 mortgage is £2000 a month at 3.5% interest 5 year fixed assuming 20% deposit. IF you can put down a larger deposit, and drop the mortgage to £250,000 your monthly payments go down to £1,000 month, because you can now access products that offer 2.2% fixed, and a lower initial borrowed sum. Your personal situation may be different, but the same principles apply. The bigger you house deposit the cheaper your monthly cost, and by a substantial margin!! So you can use the philosophy of 'Only live once', but if you try to budget and plan for 5 years ahead your could save your self ALOT of money by tightening the belt for a relative short time period now....And once the house/mortgage is sorted your have lots more disposable income to waste on what ever you like. Personally I much rather pay £1000 a month on my mortgage rather than £2000 a month, but for that to happen we have to squirrel away like mad for the next 5 years (The T fund is separate a ring-fenced account ). But swapping a car to change the monthly payments from £294 to £219, whilst going from a diesel to a turbo petrol performance car...I'm sure it'll be great fun, but don't kid your self that your actually making any serious attempt to save up any money towards a house....Manmaths or not Edited May 24, 2015 by gangzoom 3 Quote Link to comment Share on other sites More sharing options...
Bems Posted May 24, 2015 Share Posted May 24, 2015 Only live once right!! Very true but what you need to do is apply that thinking to houses....I don't know what house prices are like where you live, but around Leicester a large detached house with a double garage in a nice area is at least £500,000 - This is the price range our next house will be in. Monthly payments mortgage payments on a £400,000 mortgage is £2000 a month at 3.5% interest 5 year fixed assuming 20% deposit. IF you can put down a larger deposit, and drop the mortgage to £250,000 your monthly payments go down to £1,000 month, because you can now access products that offer 2.2% fixed, and a lower initial borrowed sum. Your personal situation may be different, but the same principles apply. The bigger you house deposit the cheaper your monthly cost, and by a substantial margin!! So you can use the philosophy of 'Only live once', but if you try to budget and plan for 5 years ahead your could save your self ALOT of money by tightening the belt for a relative short time period now....And once the house/mortgage is sorted your have lots more disposable income to waste on what ever you like. Personally I much rather pay £1000 a month on my mortgage rather than £2000 a month, but for that to happen we have to squirrel away like mad for the next 5 years. But swapping a car to change the monthly payments from £294 to £219, whilst going from a diesel to a turbo petrol performance car...I'm sure it'll be great fun, but don't kid your self that your actually making any serious attempt to save up any money towards a house....Manmaths or not Exactly this. Quote Link to comment Share on other sites More sharing options...
newkid Posted May 24, 2015 Share Posted May 24, 2015 Only live once right!! Very true but what you need to do is apply that thinking to houses....I don't know what house prices are like where you live, but around Leicester a large detached house with a double garage in a nice area is at least £500,000 - This is the price range our next house will be in - If your anywhere near London I really feel sorry for you because you wouldn't get much more than a mid-terrace/flat for £500k, how you bring up a family in a flat I have no idea Monthly mortgage payments on a £400,000 mortgage is £2000 a month at 3.5% interest 5 year fixed assuming 20% deposit. IF you can put down a larger deposit, and drop the mortgage to £250,000 your monthly payments go down to £1,000 month, because you can now access products that offer 2.2% fixed, and a lower initial borrowed sum. Your personal situation may be different, but the same principles apply. The bigger you house deposit the cheaper your monthly cost, and by a substantial margin!! So you can use the philosophy of 'Only live once', but if you try to budget and plan for 5 years ahead your could save your self ALOT of money by tightening the belt for a relative short time period now....And once the house/mortgage is sorted your have lots more disposable income to waste on what ever you like. Personally I much rather pay £1000 a month on my mortgage rather than £2000 a month, but for that to happen we have to squirrel away like mad for the next 5 years (The T fund is separate a ring-fenced account ). But swapping a car to change the monthly payments from £294 to £219, whilst going from a diesel to a turbo petrol performance car...I'm sure it'll be great fun, but don't kid your self that your actually making any serious attempt to save up any money towards a house....Manmaths or not Woah .......I just like scoobs is all Quote Link to comment Share on other sites More sharing options...
un1eash Posted May 24, 2015 Share Posted May 24, 2015 £500k would buy you an awesome house in Leicester in some of the best areas, I know as I've been looking. Quote Link to comment Share on other sites More sharing options...
Ekona Posted May 24, 2015 Share Posted May 24, 2015 Gangzoom, that's absolutely spot on mate, perfectly said. Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 £500k would buy you a mansion in Scotland 1 Quote Link to comment Share on other sites More sharing options...
Ekona Posted May 24, 2015 Share Posted May 24, 2015 £500k would buy you Scotland Fixed 1 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 (edited) Just in case you think I'm talking sh!t http://www.rightmove.co.uk/s6p/48961595 you can buy a castle up here for that Edited May 24, 2015 by hensh65 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 Was up sorting a few things and getting another look around the car. Quote Link to comment Share on other sites More sharing options...
LRF4N Posted May 24, 2015 Share Posted May 24, 2015 How much did you put down on top of the trade in? Quote Link to comment Share on other sites More sharing options...
Bems Posted May 24, 2015 Share Posted May 24, 2015 Which garage is that? Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 How much did you put down on top of the trade in? £1000 Quote Link to comment Share on other sites More sharing options...
Richesio Posted May 24, 2015 Share Posted May 24, 2015 Any thoughts on the Z4 or any other suggestions? One of my friends has a 3.0 Z4 and it's a great car. Even though the stats are very similar to the 350z it does seem a little quicker. (note: it could well be my driving!) It looks good, although I think the 350z is aging better as the new style Z4 looks much more modern compared to the 370z, so that's always made me feel like the 350z is aging better. The only downside for me is they're too common. You never get the flash of the headlights or the wave from the other drivers, whereas in the 350z you know the driver is serious about cars and probably a real enthusiast. For me, that's the (silly) reason to get a 350z. 1 Quote Link to comment Share on other sites More sharing options...
LRF4N Posted May 24, 2015 Share Posted May 24, 2015 So you just lost a grand and got a car that could well get into the stands at knockhill- but won't get any attention... just pullin your tadger mate enjoy the new car 1 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 So you just lost a grand and got a car that could well get into the stands at knockhill- but won't get any attention... just pullin your tadger mate enjoy the new car You're in a rep mobile you cant come Quote Link to comment Share on other sites More sharing options...
LRF4N Posted May 24, 2015 Share Posted May 24, 2015 Your forgetting about my new toy. Around the same as the deposit you just paid and will turn more heads than your hatchback 1 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 Your forgetting about my new toy. Around the same as the deposit you just paid and will turn more heads than your hatchback I must have missed this? You have the bmw and lexus? Quote Link to comment Share on other sites More sharing options...
JetSet Posted May 24, 2015 Share Posted May 24, 2015 £500k would buy you a mansion in Scotland And in Wales too, only 87 houses would have had to pay the mansion tax should Labour have won the election !! http://www.bbc.co.uk/news/uk-wales-politics-30956422 Pete 1 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 24, 2015 Author Share Posted May 24, 2015 £500k would buy you a mansion in Scotland And in Wales too, only 87 houses would have had to pay the mansion tax should Labour have won the election !! http://www.bbc.co.uk/news/uk-wales-politics-30956422 Pete I would have never guessed that! Quote Link to comment Share on other sites More sharing options...
LRF4N Posted May 24, 2015 Share Posted May 24, 2015 Kris your slowly but surely losing touch with reality lol http://www.350z-uk.com/topic/97247-new-project-returning-to-jap/ You liked the first post 1 Quote Link to comment Share on other sites More sharing options...
hensh65 Posted May 25, 2015 Author Share Posted May 25, 2015 Kris your slowly but surely losing touch with reality lol http://www.350z-uk.com/topic/97247-new-project-returning-to-jap/ You liked the first post I do remember now that was 1 month ago, i havent seen it in the flesh to cement it in my mind yet Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.