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Can you afford a car?

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Old 22-10-2017, 11:45 AM   #1996
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Hi guys

Recently just got married and got a good news from mom in law that shes willing to fork out on downpayment. But on disadvantage side is that Im bringing home around 2.8k monthly exclude OT. OT will usually be on / off type. So i was wondering will i able to sustain in financial wise when I start owning a car? Im looking at honda shuttle from PI. Monthly to be around $750.

My expenses will be like +- $500 for parents.

The rest will be on loans/credit card bill/ etc.

Hope you can advice me.

Thanks.
U planning for kids???

Save the monies i reckon.... no point getting a car. It should eat 1 to 1.5k a.month easily...
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Old 31-10-2017, 06:27 PM   #1997
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Hi guys

Recently just got married and got a good news from mom in law that shes willing to fork out on downpayment. But on disadvantage side is that Im bringing home around 2.8k monthly exclude OT. OT will usually be on / off type. So i was wondering will i able to sustain in financial wise when I start owning a car? Im looking at honda shuttle from PI. Monthly to be around $750.

My expenses will be like +- $500 for parents.

The rest will be on loans/credit card bill/ etc.

Hope you can advice me.

Thanks.
Nah, save your moolah dude. The downtown line just build no?? Its super accessible to get around places now!
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Old 03-12-2017, 11:12 AM   #1998
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Hi guys

Recently just got married and got a good news from mom in law that she’s willing to fork out on downpayment. But on disadvantage side is that I’m bringing home around 2.8k monthly exclude OT. OT will usually be on / off type. So i was wondering will i able to sustain in financial wise when I start owning a car? I’m looking at honda shuttle from PI. Monthly to be around $750.

My expenses will be like +- $500 for parents.

The rest will be on loans/credit card bill/ etc.

Hope you can advice me.

Thanks.
Drive part time Uber/ Grab. Can earn money and got free car to use. Maintain your full time job. Just drive few hours after working hour.
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Old 10-12-2017, 09:15 AM   #1999
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2.8 k minus off 750 , u only left with 2050
U haven’t count in Petrol , insurance , car park , erp , parking, road tax that is Around 600 a month
So you only lett with 1450 a month . Car will break down and sent for servicing and such , and if accident also will have extra cost .
Like me just came out from garage for a 4 k repair bill and that is 3 months of what u had left even before u spend, and what I read is u still got loan to pay , that is even worst . With car I can assure you that your debt be amplified
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Old 10-12-2017, 03:47 PM   #2000
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No point la. 4.8k then maybe u consider ba
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Old 13-12-2017, 02:09 PM   #2001
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Anyone has a reliable car dealer that take in car and sell 2nd hand car contact to share?
Please pm me.
Thanks in advance.
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Old 13-12-2017, 06:26 PM   #2002
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Hi guys

Anyone got any postive/negative reviews on this used car dealer Carway Enterprise ?

TIA
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Old 06-01-2018, 12:13 AM   #2003
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Well said!

2.8 k minus off 750 , u only left with 2050
U haven’t count in Petrol , insurance , car park , erp , parking, road tax that is Around 600 a month
So you only lett with 1450 a month . Car will break down and sent for servicing and such , and if accident also will have extra cost .
Like me just came out from garage for a 4 k repair bill and that is 3 months of what u had left even before u spend, and what I read is u still got loan to pay , that is even worst . With car I can assure you that your debt be amplified
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Old 08-01-2018, 09:19 AM   #2004
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taking over a 2009 civic from relative
Counted the expenses as such:
Dep at paper value $5k now until Feb 2019
Road tax $760
Insurance $1500
Barebones service x 2 $200
Miscellaneous stuff $300

Monthly expenses
Carpark free both work and home
No erp
Petrol $150

Anything else I missed out?
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Old 08-01-2018, 04:30 PM   #2005
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Missed out cash card and parking coupons haha. But these are small money dont need worry

taking over a 2009 civic from relative
Counted the expenses as such:
Dep at paper value $5k now until Feb 2019
Road tax $760
Insurance $1500
Barebones service x 2 $200
Miscellaneous stuff $300

Monthly expenses
Carpark free both work and home
No erp
Petrol $150

Anything else I missed out?
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