pmsumner: (coke)
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posted by [personal profile] pmsumner at 01:59pm on 18/06/2007 under ,
I took it in to get new tyres a few weeks ago, and the guy there had trouble getting a couple of the bolts back in after removing the wheel, and I've been driving on 3 ever since - not a huge issue really. I was suspicious as it's the same wheel as we had problems with before, when the garage in Manchester tightened the bolts so tightly they sheared off when attempting to remove them next time.

Anyhow, at the service apparently they could only get two bolts back in. That is an issue. 3 is safe enough for the short term, two is extremely unsafe. I asked how much it would cost and they're telling me that it needs a new hub, new bearings and new something-else's which I can't remember now. A grand total of... well let's just say that it's over £300.

The service itself is about £180 which I expected, and they did some diagnostics on the rough idling which they can't find a specific fault for, and are unable to fix. Hrmph. As well as the speedo, which has been working consistently since about Tuesday last week.

I guess if I looked at it overall I'm probably spending £1000/year on the car, which for a car of this age can't be that bad all told, but I can't help feeling that it needs replacing. But with what money? According to Jane it's as simple as "saving up a few months". One day I'll sit down and show her exactly how much debt I have...
Mood:: 'grumpy' grumpy
Music:: Frasier - Pramount Comedy
There are 9 comments on this entry. (Reply.)
 
posted by [identity profile] albatros.livejournal.com at 03:16pm on 18/06/2007
This saving up lark: it might mean making conscious decisions whereas previously they were automatic, e.g. choosing which creature comforts to go without, choosing food carefully (and spending more time in the kitchen), doing different things with spare time, changing your phone use, . I bet, when you do sit down and make some tough decisions, you'll find there is ample room for manoeuvre.

Or you can do it the other way around: make a transparent budget. Go through your bank statements, and put each entry into a category, working out how much each month you spend. A spreadsheet should be sufficient for a one-off exercise.

u2u email me if you want to discuss in a less public way :o)
 
posted by [identity profile] phil99.livejournal.com at 03:24pm on 18/06/2007
I've been quite negative about the whole money thing for a long time because I found myself in a position where my monthly outgoings were more than my incomings and well, that's not nice in anyone's book!

Before we moved in Jane and I both sat down and talked money and it seems to have worked quite well - as in the amount of money we're both putting in the joint account is covering everything quite nicely. But I'd question: is that because we know how much we budgeted and are swelling our spending to fill it, or because we worked it out right? :)

Who knows :)

Anyhow.
I know how to do it. I just don't like doing it because it's been really truly depressing in the past! Perhaps now it'll be a nice surprise *G*
 
posted by [identity profile] albatros.livejournal.com at 03:31pm on 18/06/2007
The exercise is worthwhile anyway. I reckon the best balance is to find out what you really need, allocate a reasonable budget for treats and presents, and with the remainder, save it into a working slush fund to cover eventualities.

You're right about knowing budget => spending more, if you're enjoying a positive cashflow... in which case, try hacking into long-term debts by steering short-term surplus into repayments - into the accounts that charge the worst interest.

I guess you know all this, but having it said might make you believe you can do it, and it is worthwhile :o)
 
posted by [identity profile] albatros.livejournal.com at 03:24pm on 18/06/2007
How much per year might a NEW car cost? Typical runabout might be £9k, and last about 5 years before costing you £1k per year in servicing, bits and bobs. My point is: £9k over 5 years is £2k, which is significantly less than £1k.

By now, the private sale or dealer value of the car probably isn't significant enough to have a bearing on the 'keep going' or 'buy new' decision.

If you believe the car is becoming unsafe, then that overrides all decisions! :o)
 
posted by [identity profile] phil99.livejournal.com at 03:29pm on 18/06/2007
I assumed that you meant 2k is significantly more than 1k!

I've no choice but to spend the money on it, tbh. In reality it's not a huge expense in comparison to buying new. New would be a couple of grand (for a decent car) and that's 2yrs of running this one, which is working and other than a few bits here and there is perfectly fine.

Well... I say that but I still reserve the right to bitch about it!
 
posted by [identity profile] albatros.livejournal.com at 03:34pm on 18/06/2007
yes, I meant MORE.

> right to bitch about it!
I'm beginning to think that you post was just that, rather than a shout for practical help... something one learns from female psychology :o>
 
posted by [identity profile] phil99.livejournal.com at 03:35pm on 18/06/2007
*laughs* Well I've got nobody else to complain to today, Jane's at work and this LJ is feeling underused!
 
posted by [identity profile] brigstow.livejournal.com at 05:50pm on 18/06/2007
"...the guy there had trouble getting a couple of the bolts back in after removing the wheel, and I've been driving on 3 ever since..."

The first time I read that, I thought you were saying that you've been driving on three wheels, not three bolts. (It's a problem with my brain, not your writing!)
 
posted by [identity profile] phil99.livejournal.com at 09:46am on 19/06/2007
*lol*
I'm getting visions of a Charlie Chaplin or Mr Bean sketch ;)

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