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2026. 8. 15. 작업

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butchstewie said: MC Bodge said: That would almost certainly be a problem for a large proportion of the population, even for many fairly well paid people. And that's where I shift a little bit from "your money your business" at least encouraging people to think about it.How many people reading this have a 6-12 month emergency fund for example? Even three.So if you do get that call at least you don't have to worry how next months bills will be paid.That sort of thing should be higher up most peoples list of priorities than I think it probably is.It’s is true that emergency funds have dwindle

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Olivera said: GeniusOfLove said: Absolutely spot on with this. There is a "danger zone" of dross car purchasing when your budget is £7k - £12k and you're now looking at 8+ year old cars; it's enough money that you're invested and committed if it breaks, but it's not enough money to get a car that can't be expected to have faults and/or have a real risk of properly breaking. I have said on other threads, if your Aunty Jane needs a new car because her Focus has finally terminally broken after stranding her and her kids a couple of times and failing to get her to work a couple of times, and she has £250 a month to spend would you really advise her to borrow £8k and buy a 68 plate Focus or similar, or do you think she'd be better off leasing a new Jaecoo and knowing her car ownership cost will start and finish at £250 per month, she's much less likely to end up unable to get to work, and she gets a nice new car with nice new car things rather than one that smells slightly of dog and is starting to feel a bit bagged out.Nail -> Head.I've ran a few older cars to ~150k miles and in the real world things do break, often expensively. It's really not uncommon for a 10+ year old car to need an mot, service, front tyres, brake discs and pads, and take your pick from new alternator/wheel bearing/auxiliary belt/timing belt/leaking dampers/bushes/electrical fault/etc. Garage prices are not cheap, so if like most you can't fix things yourself then you have to pay, and bills on an older car of £1000/1500+ are not infrequent. Heck, my sister had an at the time 6 year old 2018 Fiesta ecoboost terminally pack-in due to well known lubrication issues. So bigger bills do happen.Cheap PCP makes complete sense for those who want a) Fixed costs, b) A reliable car to drive to workIf someone just sees a car as an a to b appliance, like many do of course, I can sort of see why they may prefer a cheap lease. But what is a cheap lease these days, if it’s £250/month for a basic Chinese EV that