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Author Car debt
Lynny
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Registered: 3rd Jan 03
Location: oop north! Where people talk properly
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1st May 08 at 20:26   View User's Profile U2U Member Reply With Quote
How much debt are you in because of cars alone (Insurace, loans, finance etc) Do you regret getting into debt for your car? What's the most debt you would get into for a car?
Liam
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Registered: 19th Jan 06
Location: Stafford
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1st May 08 at 20:26   View User's Profile U2U Member Reply With Quote
£0
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
1st May 08 at 20:28   View User's Profile U2U Member Reply With Quote
£5100

£6000 loan over two years, £300 a month. Reliable car with low mileage... worth it imo.

[Edited on 01-05-2008 by Whittie]
IvIarkgraham
Premium Member

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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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1st May 08 at 20:29   View Garage View User's Profile U2U Member Reply With Quote
0 atm
FlamingCorsa
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Registered: 22nd Apr 03
Location: Shropshire
User status: Offline
1st May 08 at 20:30   View User's Profile U2U Member Reply With Quote
i dont agree to debt, if your want something bad enough then u can save for it...........

much more rewarding when u own a car and not a bank also........

thats just my opinion tho, but i am a saver and not a spender!
Daniel_Corsa
Premium Member

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Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
1st May 08 at 20:34   View Garage View User's Profile U2U Member Reply With Quote
£0

Can't afford it, don't have it!

Only time I owed money on my car was, when my engine seized up after paying for a re-spray I was skint, and parents loaned me money but as soon as I got paid, I gave them it straight back and just stayed in and did nothing for a month!

Hate the idea of owing money!

April '06' Corsasport Feature Car | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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1st May 08 at 20:36   View User's Profile U2U Member Reply With Quote
£900 i think, not much.
MJFF88
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Registered: 30th Apr 08
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1st May 08 at 20:42   View User's Profile U2U Member Reply With Quote
About £6500
wilson_sri
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Registered: 31st Aug 04
Location: Dunfermline Drives: Technics 1210s
User status: Offline
1st May 08 at 20:45   View User's Profile U2U Member Reply With Quote
I took out a 4k bank loan to turbo my corsa, paid it off though when the army gave me a wad of cash for my medical discharge.
shaunmods
Premium Member

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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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1st May 08 at 20:45   View Garage View User's Profile U2U Member Reply With Quote
£0. I've saved hard to pay for my corsa would never get into dept over it though
p4uls corsa
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Registered: 2nd May 05
Location: BRADFORD
User status: Offline
1st May 08 at 21:30   View User's Profile U2U Member Reply With Quote
Between mine and the missus car we have about 15k on finance, dont regret it at all.
John G
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Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
1st May 08 at 21:51   View User's Profile U2U Member Reply With Quote
0
All Torque
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Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
1st May 08 at 21:53   View User's Profile U2U Member Reply With Quote
£0.00
richc
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Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
1st May 08 at 21:56   View User's Profile U2U Member Reply With Quote
£0

Paid for car and insurance
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
1st May 08 at 22:14   View User's Profile U2U Member Reply With Quote
Aboutt....

1k on insurance, but can cancel anytime so wouldnt call it a debt

2.5k loan on 6k car
Wrighty
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Registered: 28th Feb 04
Location: Howden
User status: Offline
1st May 08 at 22:30   View User's Profile U2U Member Reply With Quote
£0
Archie
Organiser: Scotland
Premium Member

Registered: 18th Dec 07
Location: South Ayrshire
User status: Offline
1st May 08 at 22:53   View User's Profile U2U Member Reply With Quote
Owe my Dad about £600, it's generally built up over time lol, but it's slowly going down.
Twiggy
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Registered: 15th Oct 04
User status: Offline
1st May 08 at 23:04   View User's Profile U2U Member Reply With Quote
annly "0" i used to owe about £5k!
Hoddo
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Registered: 7th Nov 06
Location: Wallisdown, Bournemouth
User status: Offline
1st May 08 at 23:05   View User's Profile U2U Member Reply With Quote
£0 paid of £700 after year and a half... I was a bit slack.
lozarus
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Registered: 29th Oct 06
Location: Walderslade, Kent
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1st May 08 at 23:19   View User's Profile U2U Member Reply With Quote
3k
Ben G
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Registered: 12th Jan 07
Location: Essex
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1st May 08 at 23:24   View User's Profile U2U Member Reply With Quote
got about 7k left on finance for the fiesta

will have 18.9k out on finance for the focus (18.9k is total on finance as i'm part exing the fiesta)

but it's not what i see as debt. debt, to me, is something that you either find very hard to pay back and do a lot of work to do so or something which you can't pay back at all.

i'm perfectly capable paying back the money each month and still have 1200 quid a month after i've paid for running the fiesta (insurance, finance payment and petrol) so it's not really debt to me.

[Edited on 01-05-2008 by Ben G]
All Torque
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Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
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1st May 08 at 23:29   View User's Profile U2U Member Reply With Quote
What if you lost your job though Ben?
Ben G
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Registered: 12th Jan 07
Location: Essex
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1st May 08 at 23:31   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by All Torque
What if you lost your job though Ben?


i tend not to look at the negative things in life

if everyone thought like that, no one would buy houses

i should be fine, get my full contract in 2 months and it's 15 years work, can't see ford going into liquidation tbh.
All Torque
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Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
1st May 08 at 23:35   View User's Profile U2U Member Reply With Quote
Good points
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
2nd May 08 at 06:57   View User's Profile U2U Member Reply With Quote
Plus, it's through Ford, so they'd just take the car back, right?

I woe £0 and am saving quite hard for next year when I get something long lasting.

The only time I'll ever get credit or a debt in my life is 1) mortgage 2) car

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