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 Buying Satria Neo R3, Working after 3 years wanna a car badly.

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xxboxx
post Oct 7 2011, 12:45 AM

The mind is for having ideas, not holding them
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From: J@Y B33


QUOTE(Mochamalaysian @ Oct 6 2011, 12:01 AM)
Salary:3.5K (Gross), Nett: RM3k
Commitments:
1) House (Mom insurance, Sister's edu, utility bills) - RM1.2k
2) Personal (PTPTN, H/P Bill, Oil EX5 and makanx2) -RM500
3) Saving 1K per month.
4) Future Development Courses saving - RM300 a month.

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1., 2. and 4. must be paid every month.
i'm assuming you don't have GF, otherwise your 2. wouldn't be that low.
so in reality you only have 1k for your intention of paying car monthly installment, petrol and maintenance + savings.

if monthly repayment is 600, petrol is 300, you only left 100 for maintenance? what happen when your car need major service? annual roadtax + insurance? do you want to be GF-less for this whole time? no saving for this whole time?

you can choose above option and stay like that for 2-3 years and pray that your job is secure for that whole time until your increment is enough to ease the burden. or you can save the 1k for 1-2 years and use it for deposit and that time hopefully your increment is enough to pay for the installment.
xxboxx
post Oct 7 2011, 03:49 PM

The mind is for having ideas, not holding them
*******
Senior Member
5,261 posts

Joined: Oct 2004
From: J@Y B33


QUOTE(Mochamalaysian @ Oct 7 2011, 03:03 PM)
I do have a GF and that is my budget bro... I assume we are not the couples who spend a lot when we are out, furthermore, my work schedule doesn't allow me to meet her often too, even on Sat and Sun are used to sleep all day to recover for the next week at times.

I have did my saving for the past three years which suffices but I do understand the new car will tekan my pocket more and I can see my hard earned money vanishing for Insurance, Roadtax, Maintenance, Oil, Toll, Carpark(Free),etc.

So my only choice is keep riding for the next 2-3 years and buy a car later meh?
*
Now realise I overlook your 1st post that you got mention you have GF. So the more reason you need to save money, for marriage.

There is another choice, to get cheaper car such as Viva or 2nd hand car. Buying cash for the 2nd hand if you can afford. But of course you need to be very knowledgeable about your car so you can minimize the maintenance cost.

But in the end you'll feel that using bike is still the most friendly to your wallet.
xxboxx
post Oct 22 2011, 10:19 AM

The mind is for having ideas, not holding them
*******
Senior Member
5,261 posts

Joined: Oct 2004
From: J@Y B33


QUOTE(Daniel John @ Oct 8 2011, 02:26 PM)
i takda wang...ada amoi! cool2.gif
*
confirm gigolo! tongue.gif

i use 17 years old car also can get chick. laugh.gif

 

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