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Post by Martin on Jan 12, 2021 21:00:21 GMT
£872 a month for a new 911 (10k per annum, 36 months with £11.5k deposit). I assume once you are ready to talk turkey pencils may be sharpened somewhat. Someone else ignoring the deposit! That’s £1,195 a month all in and it’s only 10k miles a year. |
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Post by chipbutty on Jan 12, 2021 21:37:42 GMT
Not ignoring it, you didn’t specify zero deposit, term or mileage, just a monthly.
I don’t know how much cash you have in the trade in or how much would be left in the 911 when moved on.
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Post by Martin on Jan 12, 2021 21:50:10 GMT
Not ignoring it, you didn’t specify zero deposit, term or mileage, just a monthly. I don’t know how much cash you have in the trade in or how much would be left in the 911 when moved on. I know, but the £730 came from a total figure and I always include the deposit when working out a monthly cost. There might be something left in the 911 at the end to help a bit, but it’s still way off and that’s before you add a couple of essential options, so it would need a budget switch. |
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Post by racingteatray on Jan 12, 2021 22:22:12 GMT
At the risk of sounding like Chris, I clearly don't earn enough (or drive enough)! I’m sure that’s not true, you just live in the wrong place. When you live in and around London, it’s the housing equivalent of spending Supercar money to buy a Golf! It’s all about priorities and the value you give different things. While it's true that our house would be worth a fraction of its market value if it were anywhere outside the M25, I'm not sure we'd have a cheaper house if we lived somewhere else - just a nicer and bigger one! Apart from needing to be near the office, it's one of the downsides of falling in love with a southern European - they tend to treat the idea of living anywhere outside the M25 as akin to being sent to a gulag. Certainly my wife does. Anyway, doesn't seem to put many of our neighbours off - the streets around here are lined with high-end SUVs leavened with the occasional flashy sports car or RS4-type estate car. It didn't take more than five minutes into our walk on Saturday for me to handily spot not only a Macan, but a Macan parked in front of a Cayenne so that I could point out the differences between them. |
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Post by racingteatray on Jan 12, 2021 22:34:04 GMT
£872 a month for a new 911 (10k per annum, 36 months with £11.5k deposit). I assume once you are ready to talk turkey pencils may be sharpened somewhat. Someone else ignoring the deposit! That’s £1,195 a month all in and it’s only 10k miles a year. Including interest at 2.9% APR over four years, my GC cost me £42,060 (vs a list price of circa £48,400). Given I was told to expect £21,000 on SoR, that means the cost has worked out at £21,060 over four years or very nearly, appropriately enough, £440 pcm. That was ok. Think I'd need to be earning considerably more before I felt comfortable spanking double that or more on monthlies on a car. |
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Post by Martin on Jan 13, 2021 8:18:42 GMT
I’m sure that’s not true, you just live in the wrong place. When you live in and around London, it’s the housing equivalent of spending Supercar money to buy a Golf! It’s all about priorities and the value you give different things. While it's true that our house would be worth a fraction of its market value if it were anywhere outside the M25, I'm not sure we'd have a cheaper house if we lived somewhere else - just a nicer and bigger one! Apart from needing to be near the office, it's one of the downsides of falling in love with a southern European - they tend to treat the idea of living anywhere outside the M25 as akin to being sent to a gulag. Certainly my wife does. Anyway, doesn't seem to put many of our neighbours off - the streets around here are lined with high-end SUVs leavened with the occasional flashy sports car or RS4-type estate car. It didn't take more than five minutes into our walk on Saturday for me to handily spot not only a Macan, but a Macan parked in front of a I'm sure you would spend the same, because that's my point about the value you put on things and you're used to that level of outgoings so would set the new house budget accordingly if you were ever allowed to move to a less expensive area. We could move to a more expensive house, but it would impact the holiday or car budget and I'm not prepared to touch either. Anyway, we wouldn't get anything bigger so it would be about location, but whilst we're on the edge of a modern housing development we do really like where we live as we're a 10min walk into a nice market town and a 5 min walk to open countryside. Is it really a Southern European thing? I can't believe that everyone from that part of the world would prefer to live inside the M25 than in some of the much nicer and more open parts of the country. I can't say it's ever felt like being 'sent to a gulag' when we've had a week in a nice cottage in Cornwall/Cotswolds/Lake District etc.... We're all very different, but there's no way I'd live in a big City, I wouldn't even want a job where I had the occasional commute into one, not if it meant going anywhere near public transport or being stuck in traffic anyway. |
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Post by Andy C on Jan 13, 2021 8:23:09 GMT
At the risk of sounding like Chris, I clearly don't earn enough (or drive enough)! +1 , that’s 50% more than my mortgage! |
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Post by Big Blue on Jan 13, 2021 9:56:09 GMT
.....it's one of the downsides of falling in love with a southern European - they tend to treat the idea of living anywhere outside the M25 as akin to being sent to a gulag. Certainly my wife does. +1 Moving from TfL Zone 2 (Islington) to Zone 3 (Wimbledon) was accepted with no issues. Moving to Zone 4 was the outlying edge of acceptability. I took W2.1 to West Clandon, Effingham, the Horsleys and Ripley when we were house hunting: all lovely Surrey villages with short commutes to Waterloo but I may as well have suggested moving to an industrial estate on the outskirts of Birmingham. |
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Post by Big Blue on Jan 13, 2021 9:58:08 GMT
Double post
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Post by racingteatray on Jan 13, 2021 11:45:31 GMT
.....it's one of the downsides of falling in love with a southern European - they tend to treat the idea of living anywhere outside the M25 as akin to being sent to a gulag. Certainly my wife does. +1 Moving from TfL Zone 2 (Islington) to Zone 3 (Wimbledon) was accepted with no issues. Moving to Zone 4 was the outlying edge of acceptability. I took W2.1 to West Clandon, Effingham, the Horsleys and Ripley when we were house hunting: all lovely Surrey villages with short commutes to Waterloo but I may as well have suggested moving to an industrial estate on the outskirts of Birmingham. Yes, Mrs RT likes Richmond and Hampstead (who wouldn't?!) but anywhere much further than that is suspect. I was the one who insisted on a more central part of London because I didn't want to have to travel to and from the City by packed commuter train for 2hrs a day. She has no problems with weekend visits to my mother in Suffolk or to other parts of the British countryside - indeed she likes exploring the countryside at the weekend. But she likes them from the perspective of being a visitor who can leave again, and only provided the weather is good. Grey or wet weather = moans in car on way home. In particular, my wife is very sociable and London provides a ready support network of like-minded non-English girlfriends. She worries that this would be lacking outside London. Indeed she has one Italian girlfriend who lives in Maidenhead with her English husband, and conversations with that friend over the years have done nothing to dispel my wife's fears and preconceptions that life in England outside London isn't for her. |
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Post by Roadrunner on Jan 13, 2021 11:49:52 GMT
It just goes to show how different we all are. In highly unlikely event of either Herself or me getting a job in London, the only consideration would be the cost of the rail season ticket from Moreton-in-Marsh. Moving even one inch closer to London would be absolutely out of the question.
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Post by Roadrunner on Jan 13, 2021 11:50:03 GMT
Double post. The interweb is very glitchy today.
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Post by Grampa on Jan 13, 2021 11:50:56 GMT
Apart from needing to be near the office, it's one of the downsides of falling in love with a southern European - they tend to treat the idea of living anywhere outside the M25 as akin to being sent to a gulag. Certainly my wife does. Plenty seem to like the idea of living in a Welsh seaside resort - nearly every single one has (very excellent) restaurants, ice cream parlors or chip shops (more often than not, all three) owned by Italian families. |
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Post by Tim on Jan 13, 2021 12:27:50 GMT
It just goes to show how different we all are. In highly unlikely event of either Herself or me getting a job in London, the only consideration would be the cost of the rail season ticket from Moreton-in-Marsh. Moving even one inch closer to London would be absolutely out of the question. I wouldn't even look at a job in Edinburgh, Glasgow or London now as I feel I did my stint with commuting to Edinburgh (by car) for 6 years. |
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Post by johnc on Jan 13, 2021 12:38:53 GMT
I work about 5 miles outside the city centre, about 15 mins from home which is right on the edge of countryside and I have relatively traffic free roads in any direction I want. City centre working or living is not for me any more. Outside Covid time, it would take me a minimum of 40 mins and possibly an hour to drive from my house to the city centre for work and I see no point. Currently I can get a phone call telling me my dinner will be ready in 20 minutes and I can be home in time - there is a quality of life in that especially when we can walk 100yds from our house front door and be on country paths or single track country roads or half a mile the other way and we have Waitrose, Tesco, Aldi, M&S, Costa etc etc all in a village setting.
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Post by ChrisM on Jan 13, 2021 16:14:30 GMT
Double post. The interweb is very glitchy today.Glad it's not just me, then. I had loads of issues trying to connect to the work VPN from home this morning. Took almost an hour before I was connected properly without the VPN dropping out every few minutes |
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Post by racingteatray on Jan 13, 2021 20:18:51 GMT
It just goes to show how different we all are. In highly unlikely event of either Herself or me getting a job in London, the only consideration would be the cost of the rail season ticket from Moreton-in-Marsh. Moving even one inch closer to London would be absolutely out of the question. For the avoidance of doubt, having grown up partly in one of the more remote bits of the Suffolk coast and having been educated in the leafy surroundings of Suffolk, Berkshire, Fife and Surrey, I do not share my wife's views on this. I'm quite partial to the idea of a remote house with scarcely another sign of humanity in sight, not unlike my aunt's house on Islay. It is my wife's idea of a complete nightmare. Ergo marriage is all about compromise! Mercifully, having also lived in several major cities as a child and as an adult, I'm also ok with inner city life. |
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Post by scouse on Jan 14, 2021 18:06:41 GMT
It just goes to show how different we all are. In highly unlikely event of either Herself or me getting a job in London, the only consideration would be the cost of the rail season ticket from Moreton-in-Marsh. Moving even one inch closer to London would be absolutely out of the question. For the avoidance of doubt, having grown up partly in one of the more remote bits of the Suffolk coast and having been educated in the leafy surroundings of Suffolk, Berkshire, Fife and Surrey, I do not share my wife's views on this. I'm quite partial to the idea of a remote house with scarcely another sign of humanity in sight, not unlike my aunt's house on Islay. It is my wife's idea of a complete nightmare. Ergo marriage is all about compromise! Mercifully, having also lived in several major cities as a child and as an adult, I'm also ok with inner city life. Yup, you say you want one thing, she says she wants another, therefore you compromise and get/do what she wants! I always tell my younger male cousins (or their spouses for the girls) that the two most important words for them to learn are ‘yes dear’... |
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Post by Martin on Jan 14, 2021 18:28:40 GMT
For the avoidance of doubt, having grown up partly in one of the more remote bits of the Suffolk coast and having been educated in the leafy surroundings of Suffolk, Berkshire, Fife and Surrey, I do not share my wife's views on this. I'm quite partial to the idea of a remote house with scarcely another sign of humanity in sight, not unlike my aunt's house on Islay. It is my wife's idea of a complete nightmare. Ergo marriage is all about compromise! Mercifully, having also lived in several major cities as a child and as an adult, I'm also ok with inner city life. Yup, you say you want one thing, she says she wants another, therefore you compromise and get/do what she wants! I always tell my younger male cousins (or their spouses for the girls) that the two most important words for them to learn are ‘yes dear’... Even the first Mrs Martin wasn't that bad! I'm OK with compromising on the small things like what to have for dinner or which film to watch as long as there's balance/compromise both ways, but not on bigger decisions. There are decisions I'm happy for her to make, but that's not the same thing. I was going to say thankfully we don't need to because we've got similar views, priorities etc but that's why we got as far as wanting to get married. |
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Post by Deleted on Jan 14, 2021 20:58:50 GMT
Compromise is fine but with the ex wife it got to the point of she say's and I (Am supposed to) do. Even the EMIL tried to force her religious beliefs on me. "Sally has had a hysterectomy and this is a sign from god that you must adopt special needs children and give them a good life".
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Post by racingteatray on Jan 14, 2021 22:30:46 GMT
I learnt from my father, who is otherwise very much the wolfish alpha male type.
As he put it: "my wife gets her way 75% of the time because 75% of the time I simply don't care enough to worry about it. On the 25% of things that I actually care about, things are done my way". Thirty years on, they are still very happily married.
That was relationship advice that struck me as worth following, so I try to take the same approach. I suspect my wife thinks I win more than 25% of the time!
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Post by PG on Jan 15, 2021 12:27:57 GMT
As he put it: " my wife gets her way 75% of the time because 75% of the time I simply don't care enough to worry about it. On the 25% of things that I actually care about, things are done my way". Thirty years on, they are still very happily married. That was relationship advice that struck me as worth following, so I try to take the same approach. I suspect my wife thinks I win more than 25% of the time! His wife probably thinks the same way. What's lucky is that each party's 25% "must be done my way" does not overlap.  |
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Post by Martin on Jan 15, 2021 13:21:01 GMT
I learnt from my father, who is otherwise very much the wolfish alpha male type. As he put it: " my wife gets her way 75% of the time because 75% of the time I simply don't care enough to worry about it. On the 25% of things that I actually care about, things are done my way". Thirty years on, they are still very happily married. That was relationship advice that struck me as worth following, so I try to take the same approach. I suspect my wife thinks I win more than 25% of the time! I don’t agree with that at all. It doesn’t appear to work for you on the automotive front either...it may be time for a more modern approach to relationships! |
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Post by Big Blue on Jan 15, 2021 14:08:50 GMT
Ours is simple: W2.1 tells me what sort of thing she likes and I source some options that meet the remit. In DIY matters I then buy the things she liked, build or install them then get told it’s wrong. For holidays I choose a few that meet the remit, discard the few I wouldn’t go near then offer the options.
On reflection I get my own way a lot but we have the same tastes so not much is hated. Both Alpinas have been hated though.
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Post by Martin on Jan 15, 2021 17:20:55 GMT
Ours is simple: W2.1 tells me what sort of thing she likes and I source some options that meet the remit. In DIY matters I then buy the things she liked, build or install them then get told it’s wrong. For holidays I choose a few that meet the remit, discard the few I wouldn’t go near then offer the options. On reflection I get my own way a lot but we have the same tastes so not much is hated. Both Alpinas have been hated though. That sounds very familiar, apart from the car hating part thankfully. Oh and I don’t do DIY either, but I am head of sourcing! |
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Post by racingteatray on Jan 15, 2021 18:33:49 GMT
I learnt from my father, who is otherwise very much the wolfish alpha male type. As he put it: " my wife gets her way 75% of the time because 75% of the time I simply don't care enough to worry about it. On the 25% of things that I actually care about, things are done my way". Thirty years on, they are still very happily married. That was relationship advice that struck me as worth following, so I try to take the same approach. I suspect my wife thinks I win more than 25% of the time! I don’t agree with that at all. It doesn’t appear to work for you on the automotive front either...it may be time for a more modern approach to relationships! It works for me. Everything major is a compromise and we have enough commonality of taste and views that we haven't yet not found solutions we both like. There will always be differences but nothing can be perfect. For example my wife has an unaccountable weakness for what I call "James May shirts" and keeps trying to cajole me into wearing them, whereas I absolutely refuse to be seen dead in them. This is a source of some disappointment to her, but hardly a major issue! Plus, why do you think it doesn't work for me on the car front? To date I've always done precisely what I wanted. I'm only holding back now because I've used half a tank of fuel in two and a half months and I can see myself that it doesn't make any sense to change at the moment. I don't need my wife to tell me that.
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Post by racingteatray on Jan 15, 2021 18:38:09 GMT
On reflection I get my own way a lot but we have the same tastes so not much is hated. Both Alpinas have been hated though. The only car I've had that my wife hated was the M5, and she doesn't much care for my git plate. She's not keen on what she sees as flashy displays of wealth or showing off. |
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Post by ChrisM on Jan 15, 2021 21:46:31 GMT
The only car I've had that my wife hated was the M5, and she doesn't much care for my git plate. She's not keen on what she sees as flashy displays of wealth or showing off. These days, there are so many "private plates" about in the UK that it's not really flashy or displaying wealth unless it's a "real" git plate - and your's IMHO isn't |
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Post by racingteatray on Jan 15, 2021 21:50:09 GMT
The only car I've had that my wife hated was the M5, and she doesn't much care for my git plate. She's not keen on what she sees as flashy displays of wealth or showing off. These days, there are so many "private plates" about in the UK that it's not really flashy or displaying wealth unless it's a "real" git plate - and your's IMHO isn't She would prefer the anonymity of a normal plate, given mine literally reads my surname, save for having "11" where the "i" should be. |
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Post by Boxer6 on Jan 16, 2021 0:37:23 GMT
These days, there are so many "private plates" about in the UK that it's not really flashy or displaying wealth unless it's a "real" git plate - and your's IMHO isn't She would prefer the anonymity of a normal plate, given mine literally reads my surname, save for having "11" where the "i" should be. Yours is hardly so well-defined a surname that the casual observer would recognise it as such, surely? And really, so what if it was anyway? |
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