Ash_EP3
Member
Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline
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When you are looking to buy something new which is of high value do you plan in advance???
Just asking because I found myself worrying about costing for an Astra GSI and I'm not even looking to get one until next year!?!?!?! 
I guess it's good to be prepared 
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Planty02
Member
Registered: 5th Mar 05
Location: Burslem, Stoke-on-Trent
User status: Offline
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I always do, its sensible really as you need to consider all the costs before buying something
If you didnt you'd end up caught short and could get in quite a sticky situation
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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always do. like buying my car i knew i could get it but was always thnking about how it would affect me after (ie building savings back up).
same goes for my holiday in august.
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Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
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I do, but i bought with my heart on the BMW and not my head  , now stand to lose around 2k over 8 months of ownership .
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Ash_EP3
Member
Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline
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quote:
Originally posted by Tiesto
I do, but i bought with my heart on the BMW and not my head , now stand to lose around 2k over 8 months of ownership .
 ouch
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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I do, but I'm saving for a house rather than a car 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i keep a check list of every outgoing payment i have to make every month.
then i make sure it comes under my basic income each month.
e.g
i earn £1700 basic a month after all deductions.
£414 car finance
£180 insurance
£120 housekeeping
£ 45 phone contract
these are the essentials that have to be paid each month.
then i look at what i need to run the car and live etc.
£200 petrol
£ 40 food/drink for work
£ 30 toilettries
£ 20 takeaways
would mean i have £650 to either spend on clothes/bits for car etc or going out or investing.
so i make sure i have enough free money each month to live comfortably without having to worry about doing more hours at work or earning more money to enjoy a good lifestyle.
always keep a checklist as it means you won't forget any payments or take too much money out the bank meaning your payment takes you overdraft.
[Edited on 20-06-2008 by Ben G]
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Ash_EP3
Member
Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline
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I did also create a small spreadsheet, working out how much it would cost for the car for example:
Car Itself - £7500
Insurance - £960
Stage 1 - £499
Dump Valve - £100
Safety Money - £500 (which I think is far too much)
Then you have the income side of things:
Loan - £9000
Sell Car - £1000
Savings? - £500?
Wages - ???
[Edited on 20-06-2008 by S214_UPP]
[Edited on 20-06-2008 by S214_UPP]
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Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
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Its ok when you dont own a flat/house and all the costs invloved in that and rising food/fuel/gas prices
[Edited on 20-06-2008 by Tiesto]
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Ash_EP3
Member
Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline
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quote:
Originally posted by Ben G
i keep a check list of every outgoing payment i have to make every month.
then i make sure it comes under my basic income each month.
e.g
i earn £1700 basic a month after all deductions.
£414 car finance
£180 insurance
£120 housekeeping
£ 45 phone contract
these are the essentials that have to be paid each month.
then i look at what i need to run the car and live etc.
£200 petrol
£ 40 food/drink for work
£ 30 toilettries
£ 20 takeaways
would mean i have £650 to either spend on clothes/bits for car etc or going out or investing.
so i make sure i have enough free money each month to live comfortably without having to worry about doing more hours at work or earning more money to enjoy a good lifestyle.
always keep a checklist as it means you won't forget any payments or take too much money out the bank meaning your payment takes you overdraft.
[Edited on 20-06-2008 by Ben G]
Seems steep?
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Rob R
Member
Registered: 31st May 03
Location: Kent
User status: Offline
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If you pay £7500 for an Astra GSI in a years time i hope it's got 1k miles on the clock and running 400bhp!
In a years time you'll pay £6500 for one tops.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by S214_UPP
Seems steep?
cheapest i could get. on a focus st mind 
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Ash_EP3
Member
Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline
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quote:
Originally posted by Rob R
If you pay £7500 for an Astra GSI in a years time i hope it's got 1k miles on the clock and running 400bhp!
In a years time you'll pay £6500 for one tops.
Glad to hear it - their prices at the moment vary from 6500 - 8000
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