| I think I might have done a "woke" thing today 15:00 - Jul 25 with 2181 views | baxterbasics |
Despite still being sceptical about the mass push to electric cars, and thinking the tech needs a generation to improve, and even saying as much in a discussion here a few weeks ago, I just bought me a Nissan Leaf.
I can charge for free at work, and doing the maths, this will save me more that the monthly payment, so a no brainer really.
I have a long history of only buying what I can afford in cash at the time, so sub £1000 banger after banger, drive them into the ground then take them to the scrap man. Some not even lasting a year. This is the first time I ever got into debt for a car, which I've always been reluctant to do. On this, quite eye opening how all car sale firms are now basically finance brokers who happen to throw in a car with the deal.
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| I think I might have done a "woke" thing today on 16:07 - Jul 25 with 2005 views | TheBlueGnu |
Malcolm Hebden took a leap, Traded gears for Nissan Leaf. No clunks, no fumes, just quiet grace, Gliding past the corner place.
"To The Kabin!" cries our eco-star, With Corrie dreams and a motor car. Rita waves with curlers spun, “Is that a Leaf? Oh Malcolm, hun!”
Through drizzle, drama, soapland lore, He hums beneath the Rovers’ door. Bet Lynch once flirted near that gate, But Malcolm’s now electrified his fate.
His bonnet gleams by Audrey’s sign, Eco-pride in every line. No petrol tantrums, no old grief— Just Malcolm, monarch of the Leaf.
So should you stroll down Weatherfield's beat, Look both ways on Rosamund Street. You may catch Malcolm—cheeky, spry— Zipping past with a battery sigh. |  |
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| I think I might have done a "woke" thing today on 16:31 - Jul 25 with 1930 views | baxterbasics |
| I think I might have done a "woke" thing today on 16:07 - Jul 25 by TheBlueGnu |
Malcolm Hebden took a leap, Traded gears for Nissan Leaf. No clunks, no fumes, just quiet grace, Gliding past the corner place.
"To The Kabin!" cries our eco-star, With Corrie dreams and a motor car. Rita waves with curlers spun, “Is that a Leaf? Oh Malcolm, hun!”
Through drizzle, drama, soapland lore, He hums beneath the Rovers’ door. Bet Lynch once flirted near that gate, But Malcolm’s now electrified his fate.
His bonnet gleams by Audrey’s sign, Eco-pride in every line. No petrol tantrums, no old grief— Just Malcolm, monarch of the Leaf.
So should you stroll down Weatherfield's beat, Look both ways on Rosamund Street. You may catch Malcolm—cheeky, spry— Zipping past with a battery sigh. |
Very good, maybe work in a verse about range anxiety though. | |
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| I think I might have done a "woke" thing today on 17:17 - Jul 25 with 1823 views | DJR |
It's a slippery slope!
Next you'll be posting links from the Guardian. |  | | |
| I think I might have done a "woke" thing today on 17:28 - Jul 25 with 1793 views | Oldsmoker |
My name's Oldsmoker.
I was a banger addict.
I'd find a car with 3 months MOT for £25 and thrash the hell out of it knowing it would be scrap.
All those who paid £1000+ for a car only got 4 years max B4 it rotted.
I got to drive Rovers, Mercs, Jags for little money.
I realised after a few years I was killing cars, sending them to their funerals at the scrap heap.
I haven't driven a banger for over 20 years.
I now drive a 1.4 Ford Focus. |  |
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| I think I might have done a "woke" thing today on 18:11 - Jul 25 with 1716 views | Swansea_Blue |
Nah, that a consumerism thing not a woke thing. If you were exceptionally nice to the salesperson that would have been a woke thing.
I’ve bought cash for my last few cars, but you’re right. Once cash got you a good deal, but they’re much more interested in signing you up on a finance plan these days. “Payments are only £x per month sir”. Oh yeah, and then the deposit and the option to buy, and you end up paying 25% more than the price. They just seem to want the depreciation covered and then the car back. Which is fine of course, it makes new cars affordable and is a good way for them to shift more new cars.
Not so interesting fun fact - I don’t know whether it’s the same now, but Port Talbot was the only place that used to be able to make the new lighter steel used in the panels. It was revolutionary at the time (we’re going back well over 10 years). I suspect that’s no longer the case. |  |
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| I think I might have done a "woke" thing today on 18:11 - Jul 25 with 1713 views | bsw72 |
I drive a 3 litre diesel, on beaches, over seal pups, while throwing plastic bottles in the sea. |  | | |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 with 1683 views | Jon_456 |
| I think I might have done a "woke" thing today on 18:11 - Jul 25 by Swansea_Blue |
Nah, that a consumerism thing not a woke thing. If you were exceptionally nice to the salesperson that would have been a woke thing.
I’ve bought cash for my last few cars, but you’re right. Once cash got you a good deal, but they’re much more interested in signing you up on a finance plan these days. “Payments are only £x per month sir”. Oh yeah, and then the deposit and the option to buy, and you end up paying 25% more than the price. They just seem to want the depreciation covered and then the car back. Which is fine of course, it makes new cars affordable and is a good way for them to shift more new cars.
Not so interesting fun fact - I don’t know whether it’s the same now, but Port Talbot was the only place that used to be able to make the new lighter steel used in the panels. It was revolutionary at the time (we’re going back well over 10 years). I suspect that’s no longer the case. |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. | | | |
| I think I might have done a "woke" thing today on 12:19 - Jul 28 with 1262 views | baxterbasics |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 by Jon_456 |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. |
This is the way it's gone the last ten years isn't it?
I'm probably the second highest paid employee at my workplace, of about 90 staff. There are young lads who work on the warehouse floor coming in with nearly new Audis, BMWs, Mercs. Because up until last week I always refused finance and only bought what I could afford, I've been rocking up in a tatty 16 year old Nissan Qashqai with one window taped shut because the mechanism broke.
But then I have kids at home and rent to pay, most of these other lads are living with parents, probably complaining they don't have enough money for their own place.
Rather than an actual finance deal I took a cash loan and paid outright, which overall was the cheapest way to do it. Will take me three and a half years to pay off, the battery warranty should still be in place at that point which was my main concern. Always feared a car dying before I had paid up, which was my main concern with using finance. | |
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| I think I might have done a "woke" thing today on 12:23 - Jul 28 with 1230 views | J2BLUE |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 by Jon_456 |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. |
Or even worse, leasing a car that would be beyond them to buy...absolute madness. |  |
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| I think I might have done a "woke" thing today on 12:31 - Jul 28 with 1189 views | Jon_456 |
| I think I might have done a "woke" thing today on 12:19 - Jul 28 by baxterbasics |
This is the way it's gone the last ten years isn't it?
I'm probably the second highest paid employee at my workplace, of about 90 staff. There are young lads who work on the warehouse floor coming in with nearly new Audis, BMWs, Mercs. Because up until last week I always refused finance and only bought what I could afford, I've been rocking up in a tatty 16 year old Nissan Qashqai with one window taped shut because the mechanism broke.
But then I have kids at home and rent to pay, most of these other lads are living with parents, probably complaining they don't have enough money for their own place.
Rather than an actual finance deal I took a cash loan and paid outright, which overall was the cheapest way to do it. Will take me three and a half years to pay off, the battery warranty should still be in place at that point which was my main concern. Always feared a car dying before I had paid up, which was my main concern with using finance. |
Definitely the way to go. Just did similar for my wife’s car, monthly payments are slightly less than what PCP would have been and we own the car.
Some of the finance deals these garages offer are insane. | | | |
| I think I might have done a "woke" thing today on 12:59 - Jul 28 with 1105 views | baxterbasics |
| I think I might have done a "woke" thing today on 12:31 - Jul 28 by Jon_456 |
Definitely the way to go. Just did similar for my wife’s car, monthly payments are slightly less than what PCP would have been and we own the car.
Some of the finance deals these garages offer are insane. |
I got 5.9% on £8.5K through Tesco Finance. Best any car finance was offering was 8.9% and with those you still need to stump up a deposit. Was a no-brainer. | |
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| I think I might have done a "woke" thing today on 13:15 - Jul 28 with 1046 views | leitrimblue |
I have the opposite problem. I usually buy cars for around the €1000 mark and run um into the ground.
But between now and the winter I have to buy a heavily used big 4WD jeep for work.
Everyone advising me to go for the Toyota Landcruser.
3 litre diesel engine... |  | | |
| I think I might have done a "woke" thing today on 13:21 - Jul 28 with 1012 views | tcblue |
| I think I might have done a "woke" thing today on 12:23 - Jul 28 by J2BLUE |
Or even worse, leasing a car that would be beyond them to buy...absolute madness. |
Or even even worse buying a car which would depreciate.
There's a whole world of different requirements out there. I don't have a car at all right now, but I can't imagine buying one (second hand or new). If it appreciates, buy it, etc | | | |
| I think I might have done a "woke" thing today on 13:30 - Jul 28 with 965 views | MVBlue |
| I think I might have done a "woke" thing today on 12:59 - Jul 28 by baxterbasics |
I got 5.9% on £8.5K through Tesco Finance. Best any car finance was offering was 8.9% and with those you still need to stump up a deposit. Was a no-brainer. |
Thats exactly what I did on the demonstrator electric Citroen, they wanted a whack on PCP so I bought it on bank loan. As a demo car it was 30% cheaper than new.
So far so good, running costs are low. Tyres bit more expensive. |  |
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| I think I might have done a "woke" thing today on 13:51 - Jul 28 with 909 views | Pinewoodblue |
| I think I might have done a "woke" thing today on 12:59 - Jul 28 by baxterbasics |
I got 5.9% on £8.5K through Tesco Finance. Best any car finance was offering was 8.9% and with those you still need to stump up a deposit. Was a no-brainer. |
Arranging Finance for you is a nice little earner for motor dealers. |  |
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| I think I might have done a "woke" thing today on 14:34 - Jul 28 with 829 views | Nthsuffolkblue |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 by Jon_456 |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. |
And now the lawyers are advertising to reclaim you the overspend.
At what point is the consumer responsible for finding the best deal rather than simply accepting what they are offered? |  |
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| I think I might have done a "woke" thing today on 14:44 - Jul 28 with 801 views | Kievthegreat |
| I think I might have done a "woke" thing today on 14:34 - Jul 28 by Nthsuffolkblue |
And now the lawyers are advertising to reclaim you the overspend.
At what point is the consumer responsible for finding the best deal rather than simply accepting what they are offered? |
When the car dealership is paid to funnel consumers onto worse deals and hides that relationship from the consumer. Just like PPI, it's hard to feel bad for finance companies trying to pull the wool over people and getting caught out.
Also a reminder to anyone reading that you should NEVER use any of those advertised firms. Just look at the relevent page on Money Saving Expert. There is a form to download and send to the finance companies for free and it takes a few minutes. [Post edited 28 Jul 14:45]
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| I think I might have done a "woke" thing today on 15:00 - Jul 28 with 749 views | Nthsuffolkblue |
| I think I might have done a "woke" thing today on 14:44 - Jul 28 by Kievthegreat |
When the car dealership is paid to funnel consumers onto worse deals and hides that relationship from the consumer. Just like PPI, it's hard to feel bad for finance companies trying to pull the wool over people and getting caught out.
Also a reminder to anyone reading that you should NEVER use any of those advertised firms. Just look at the relevent page on Money Saving Expert. There is a form to download and send to the finance companies for free and it takes a few minutes. [Post edited 28 Jul 14:45]
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Absolutely. I just never got people simply accepting finance deals but perhaps that's just because I always knew how poor value they are. I guess that if you didn't realise that, it's fair enough.
I do remember once taking up finance. A double glazing company was quite open with me that by selling the finance deal they would get commission and could then offer me a better price than if I paid up front. However, they told me that if I paid most of the package off early and then settled the small amount within the first year, I would avoid paying any significant exit fee. That seemed to work out for me and them in that instance. | |
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| I think I might have done a "woke" thing today on 15:08 - Jul 28 with 725 views | baxterbasics |
| I think I might have done a "woke" thing today on 15:00 - Jul 28 by Nthsuffolkblue |
Absolutely. I just never got people simply accepting finance deals but perhaps that's just because I always knew how poor value they are. I guess that if you didn't realise that, it's fair enough.
I do remember once taking up finance. A double glazing company was quite open with me that by selling the finance deal they would get commission and could then offer me a better price than if I paid up front. However, they told me that if I paid most of the package off early and then settled the small amount within the first year, I would avoid paying any significant exit fee. That seemed to work out for me and them in that instance. |
I remember reading somewhere that if you get offered a better overall price by taking finance, even if only for a small portion of the cost, there's nothing to stop you taking that deal and paying the lot off a few days later, avoiding most of the interest. (maybe check the Ts and Cs of the agreement for any early exit fees too). Guess this would only work with HP though rather than leasing (the latter of which I've never fully understood to this day). | |
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| I think I might have done a "woke" thing today on 20:03 - Jul 28 with 539 views | BanksterDebtSlave |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 by Jon_456 |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. |
It's slavery I tell ya! |  |
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| I think I might have done a "woke" thing today on 20:17 - Jul 28 with 503 views | Swansea_Blue |
| I think I might have done a "woke" thing today on 12:19 - Jul 28 by baxterbasics |
This is the way it's gone the last ten years isn't it?
I'm probably the second highest paid employee at my workplace, of about 90 staff. There are young lads who work on the warehouse floor coming in with nearly new Audis, BMWs, Mercs. Because up until last week I always refused finance and only bought what I could afford, I've been rocking up in a tatty 16 year old Nissan Qashqai with one window taped shut because the mechanism broke.
But then I have kids at home and rent to pay, most of these other lads are living with parents, probably complaining they don't have enough money for their own place.
Rather than an actual finance deal I took a cash loan and paid outright, which overall was the cheapest way to do it. Will take me three and a half years to pay off, the battery warranty should still be in place at that point which was my main concern. Always feared a car dying before I had paid up, which was my main concern with using finance. |
Yes, very much the way it’s gone for a while. It was a pain in the butt trying to change our big car about 7 years ago - it was all about the lease deals even then. I assume it explains why there are so many new massive lumps being driven around by people in normal jobs that wouldn’t normally give them enough cash to buy a £60k+ car.
I’m not interested in changing cars often as we only do 7/8,000 miles a year. I’m quite happy to have a car for 8 years or more, so I always look at the full cash price for something about 12-18 months old and ignore all the finance pressure. But I can see the appeal for anyone doing higher mileage, or not wanting the hassle of possible larger bills outside of the warrantee, or just wanting a new car. I mean why not? As long as the basic bills are covered there’s nothing wrong with spending money however you want. I may well consider a lease deal next time. | |
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| I think I might have done a "woke" thing today on 20:36 - Jul 28 with 384 views | PrideOfTheEast |
| I think I might have done a "woke" thing today on 18:24 - Jul 25 by Jon_456 |
Does amaze me the amount of people that are happy to sign up to £500pm+ car finance deals and then moan about cost of living. Seems to be so many out there that are more interested in uploading their new but not particularly impressive car for a few insta likes than creating a more affordable life for themselves.
Each to their own and all that I guess. |
Anybody doing that shouldn’t be complaining about the cost of living.
The EV schemes through payroll make sense if you want a new car every few years, want to test the water with an EV and also want a very expensive car with limited downside risk (they generally come fully insured) and zero deposit. | | | |
| I think I might have done a "woke" thing today on 21:03 - Jul 28 with 311 views | Vaughan8 |
| I think I might have done a "woke" thing today on 20:36 - Jul 28 by PrideOfTheEast |
Anybody doing that shouldn’t be complaining about the cost of living.
The EV schemes through payroll make sense if you want a new car every few years, want to test the water with an EV and also want a very expensive car with limited downside risk (they generally come fully insured) and zero deposit. |
I was just going to ask if there are many people who buy an electric car off their own back.
I understand it for say directors of Companies who get 100% allowances in the first year and the Benefit in kind costs are minimal.
Also for employees the same.
But for just a person to buy one, unless you do a lot of miles, is it really worth it? A lot of money and installing the charger etc. I haver a "car port" which is not next to my house so how would I get a charger around there? | | | |
| I think I might have done a "woke" thing today on 21:31 - Jul 28 with 229 views | Swansea_Blue |
| I think I might have done a "woke" thing today on 20:36 - Jul 28 by PrideOfTheEast |
Anybody doing that shouldn’t be complaining about the cost of living.
The EV schemes through payroll make sense if you want a new car every few years, want to test the water with an EV and also want a very expensive car with limited downside risk (they generally come fully insured) and zero deposit. |
It’s hard to have sympathy with people taking on loans where they can’t afford the repayments, but there also will be people trapped into monthly car repayments who saw their mortgage payments go up £300-£500 a month thanks the those feckwits Truss and Kwarteng. Tens of thousands had their mortgage repayments massively hiked immediately after that ballsup and rates are still a lot higher than they were before. | |
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