OFFICIAL CAR/DRIVING TOPIC

[Mr. Gayle]

Starting to notice petrol prices coming down, 1.28 I'm seeing in most places

Even shell is 131

[Guest PROFIT MARGINS]

But no one in here is talking about getting finance on ranges let alone brand new ones

Finance on a used car?

Don't be a d*ckhead stack ffs

[time_bomb]

Starting to notice petrol prices coming down, 1.28 I'm seeing in most places

Even shell is 131

yea noticed this aswell

[Greens]

But no one in here is talking about getting finance on ranges let alone brand new ones

Finance on a used car?

Don't be a d*ckhead stack ffs

If people wanna do it and they feel they can afford it then let em.

[Da Luv Doc]

But no one in here is talking about getting finance on ranges let alone brand new ones

Finance on a used car?

Don't be a d*ckhead stack ffs

Why shouldn't they?

11 plate car right now can be bought on finance for good sums and is a convenience.

[Yung bawse]

finance is the best way to get a jump start..you buy a basically new car for 20k finance..by the time you pay it off it's going to be worth atleast 7.. that's 7 you now have towards another deposit or straight decent'ish 2nd hand car.

or save up a few grand for a first car...end up spending more money than it's worth to fix it, run it etc untill it's worth nothing and you've only got whatever you've saved towards a car in the meantime

[Guest PROFIT MARGINS]

finance is the best way to get a jump start..you buy a basically new car for 20k finance..by the time you pay it off it's going to be worth atleast 7.. that's 7 you now have towards another deposit or straight decent'ish 2nd hand car.

or save up a few grand for a first car...end up spending more money than it's worth to fix it, run it etc untill it's worth nothing and you've only got whatever you've saved towards a car in the meantime

SMH

This guy.

[zoot]

finance is the best way to get a jump start..you buy a basically new car for 20k finance..by the time you pay it off it's going to be worth atleast 7.. that's 7 you now have towards another deposit or straight decent'ish 2nd hand car.

or save up a few grand for a first car...end up spending more money than it's worth to fix it, run it etc untill it's worth nothing and you've only got whatever you've saved towards a car in the meantime

thats some dumb logic lol your basically just pissing money away

f*ck finance if you cant buy it 3 times you cant afford it

[Mr. Gayle]

Lol what is this nonsense is this lol

Not everyone is a position to stack and like myself can't be bothered to wait.

[Yung bawse]

finance is the best way to get a jump start..you buy a basically new car for 20k finance..by the time you pay it off it's going to be worth atleast 7.. that's 7 you now have towards another deposit or straight decent'ish 2nd hand car.

or save up a few grand for a first car...end up spending more money than it's worth to fix it, run it etc untill it's worth nothing and you've only got whatever you've saved towards a car in the meantime

thats some dumb logic lol your basically just pissing money away

f*ck finance if you cant buy it 3 times you cant afford it

the irony and contridiction of your post is funny to say the least

so the only time ull ever have a 20 grand car is when you have 60 grand in cash or in your bank?

you live once f*ck driving a banger because you're scared/have too much pride to pay in installments

and with 0% APR what excuses are there?..

[Salamanca]

with that logic "yung bawse" ur always renting a car and never owning?

f*ck that, i'd rather just get a used car for 10-15k and save up. IF U DONT HAVE ENOUGH FOR IT, WHY GO OUT OF YOUR MEANS

[Mr. Gayle]

Exacly that's just nonsense

What's next "don't buy a 200k property till you can buy it three times"

lol

[Mr. Gayle]

with that logic "yung bawse" ur always renting a car and never owning?

f*ck that, i'd rather just get a used car for 10-15k and save up. IF U DONT HAVE ENOUGH FOR IT, WHY GO OUT OF YOUR MEANS

How is making repayments living outside your means ?

Surely being able to pay £300 a month with no problems on your livivlhood is within your means ?

[Salamanca]

buying a whip and buying property is 2 totally different things come off it.

i see what he's saying but 3 times over is a bit excessive

[Yung bawse]

with that logic "yung bawse" ur always renting a car and never owning?

f*ck that, i'd rather just get a used car for 10-15k and save up. IF U DONT HAVE ENOUGH FOR IT, WHY GO OUT OF YOUR MEANS

renting and finannce are 2 completely different things.

that was just an example..you may keep that car for longer or may not (if you get a decent car to start with) lose much on the resell.. 7k from a 20k finance deal after uv paid it off was just the bare minimums

i earn enough to pay double the installments that are set by certain finance deals..so why would i spent extra time saving when i can just take out the finance deal and pay more than i need to to pay it off as quickly or as slowly as i choose?

[Yung bawse]

The ONLY bad thing about finance is a high % APR (end up paying more than the cars worth) which is not the case these days as all the dealerships are competing

[Mr. Gayle]

And you would only get a high apr if ur credit is bad, just like any credit you have in life

Init why wait stacking when you can have your car and pay it off

[Guest PROFIT MARGINS]

See mans talking 0% and dealerships

The argument is for a used car on finance

/

The way guys look at finance like its nothing...

When u are made redundant/fired/wanna leave ur job and have to hand back the keys then how u gonna feel?

If u can afford double the payments then chill out for a year and stack it's not that hard ffs

[Yung bawse]

well the debate did start with me saying finance is all about job security..sooo....

there's no need to stack for a year when i can be paying double the payments i need to in that year and had my sh*t near enough paid off with a years use out of the car

[Guest M12]

tbh job security doesnt exist. There is no job that you can guarantee you will be in for 6 months let alone 3 years.

but IMO finance is down to the person. Some people have a higher appetite for risk than others. 1 guy would rather drive an older whip and pay for it outright knowing he owes nobody nothing if his situation changes. Another would rather pay £300 a month to have a new model, not knowing what the future holds. Neither person is right or wrong. Just know that if it goes tits up you have to live with your decision.

[MARVELL]

yeah finance is stupid but again its whats makes this country/western world go round

its built on theft or credit.

for me finance is foolish unless you're using the car to make that money back and more/business

or at least putting money away every month as some sort of investment to make money

but people have been gassed about a lifestyle of being a worker alone

but this isnt a financial advice thread... get your whip

[Mr. Gayle]

Well that's just life, lose your job how you gonna pay bills rent etc you not gonna but anything on credit because you may lose a job ? Enjoy living at your parents or council home then with that logic

Like its been mentioned if you have stable job and can afford it then see no problem

Why wait a year when you can have it now, the time your stacking for that year man is driving and paying back double payments and would prob end up paying off the car the time your ready to buy the car. Using your logic.

Anyway going round in circles, do what's good for your situation and wants. Stacking for a year is not for me.

[Yung bawse]

tbh job security doesnt exist. There is no job that you can guarantee you will be in for 6 months let alone 3 years.

but IMO finance is down to the person. Some people have a higher appetite for risk than others. 1 guy would rather drive an older whip and pay for it outright knowing he owes nobody nothing if his situation changes. Another would rather pay £300 a month to have a new model, not knowing what the future holds. Neither person is right or wrong. Just know that if it goes tits up you have to live with your decision.

i don't mean job security interms of the place you work, i mean more interms of income security, having skills that if you lose your job you will in a position to cover the payments with savings and get another job (even just temporary) quicker than someone who hasn't got many skills/experience

[Da Luv Doc]

yeah finance is stupid but again its whats makes this country/western world go round

its built on theft or credit.

for me finance is foolish unless you're using the car to make that money back and more/business

or at least putting money away every month as some sort of investment to make money

but people have been gassed about a lifestyle of being a worker alone

but this isnt a financial advice thread... get your whip

Hi Carpe

[MARVELL]

dunno why ur calling me carpe

he clearly must have used the same proxy

d*ckhead