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 Only salary >RM8k can buy Myvi

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spacelion
post Apr 6 2021, 12:23 PM

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honestly the reason buy new car is because safety
morbo
post Apr 6 2021, 12:23 PM

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QUOTE(MR_alien @ Apr 6 2021, 09:10 AM)
learn to buy used
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Exactly, with a 2 year-old car, you can shave off ~15% on the price due to depreciation.

Just need to do a bit of due diligence (bring a mechanic to inspect it, etc).
viole
post Apr 6 2021, 12:25 PM

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QUOTE(ClericKilla @ Apr 6 2021, 12:02 PM)
I know viole earn more than 8k .. but still take mrt..
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QUOTE(JoeK @ Apr 6 2021, 12:03 PM)
What you toking. Viole got honda jazz lah brows.gif
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QUOTE(ClericKilla @ Apr 6 2021, 12:05 PM)
160cm fit minimum requirement?
Oh he abit gemuk is it. Puasa coming...  icon_idea.gif
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QUOTE(leah235 @ Apr 6 2021, 12:14 PM)
viole got pipu cakap you gumuk
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Ayem buncit je blush.gif

But yeah, need to use pillow under the ass, and broom stick to press pedal~
whyamiblack
post Apr 6 2021, 12:26 PM

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Agreed. Most people should be driving <10k 2nd hand cars but hey, biar papa asal gaya.

Buy new car for safety is hypocritical when you feed your body shit. You know what you can change when it's broken? Your car. You know what you can't? Your body. Don't drive like an asshole, fit good tyres and make sure your brakes and rest of the car is well taken care of. You don't need a brand new car. You're lying to yourself to find an excuse to spoil yourself.

This post has been edited by whyamiblack: Apr 6 2021, 12:29 PM
littlegamer
post Apr 6 2021, 12:27 PM

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QUOTE(kevin23 @ Apr 6 2021, 12:12 PM)
U work hard to give urself a better life.

8k salary pls get a civic at least .

If u dont get better stuff, then there is no point working.

U need to set goals and reward urself. If not u are just working aimlessly with money gng into ur bank acc.

Manatau u kena accident and die, wont even hve a chance to spend the money earned.

Dont be stupid and listen to financial gurus.
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Not sure troll or serious.


Fzeo
post Apr 6 2021, 12:27 PM

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my general manager salary 8k, drive iriz
AyamBlend
post Apr 6 2021, 12:29 PM

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QUOTE(bigmac999 @ Apr 6 2021, 10:52 AM)
Stupid advice
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not really tho

good car really give ppl good impression ?
or buy an expensive car to boost your confidence and push you harder on makign money.
Like this get married and get a kid, best way to push your limits tongue.gif

car supposed to be a mode of transportation, getting an axia / myvi good enough interm of space, aircond, and fuel cons.. many people nowadays dont know changing their 3 years old 5 years old car for what (except those really know how to play with resale value and car enthusiast )
inovlve in long driving daily (say 100-200km pday probably shud get a more comfy sedan / salloon).

want big car in some occassion why not rent it when you need it,lol maintenance is way cheaper.

no right or wrong there, ppl choose how they wanna live, hes just sharing based on his view and experience, may choose not to follow


QUOTE(spacelion @ Apr 6 2021, 12:23 PM)
honestly the reason buy new car is because safety
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depends on what kind of safety, if airbag / strong beam , yea

not those bullshit kind of lda, auto headlight switch on / projection

DRIVING WAS NOT MEANT TO BE RELAX, we dont need "everyone can drive" culture on our daily road.
Driving meant to be stress, stay full alert, and energetic all the time, feel stress / tired / fatique, stop the driving, you are not supposed to drive under any circumstances like that.

This post has been edited by AyamBlend: Apr 6 2021, 12:33 PM
drowning
post Apr 6 2021, 12:29 PM

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It's right. You should spend no more than 10-15% of your salary in car.

8K salary means you only have 800 to 1.2K for car.

MyVi loan is about RM700 a month, so plus insurance, service, roadtax, petrol and general maintenance, that would comes to 1.2K a month.

Anything more, you are heading to trouble.

Zot
post Apr 6 2021, 12:29 PM

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Depends on how much your expense la.

My salary is less than 8k but I still can buy MyVi what.
acbc
post Apr 6 2021, 12:34 PM

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Agreed. U must factor in maintenance, insurance and roadtax too. Some people also factor in emergencies.

Once u do this, zero worries because the funds already allocated.
new in IT
post Apr 6 2021, 12:54 PM

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Daily commute used cheap car, weekend go out with amoi rent nice car.

If everyday want to go out with amoi, should be rich liao, why bother to consider cheap car or nice car?
drowning
post Apr 6 2021, 01:09 PM

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QUOTE(acbc @ Apr 6 2021, 12:34 PM)
Agreed. U must factor in maintenance, insurance and roadtax too. Some people also factor in emergencies.

Once u do this, zero worries because the funds already allocated.
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Simple calculation

Monthly bank loan
Monthly petrol (estimate)
Yearly roadtax (divide 12 months)
Yearly insurance (divide 12 months)
Maintenance (get estimate and divide by monthly)
Tyre cost plus alignment and balancing (typical last 3 years, so get the estimated cost divide by 36 months)
Battery cost (typical last 2 years, so get estimated cost divide by 24 months)
Emergency fund (roughly = 3 to 5 months bank loan amount divide by 60 months)

So add those monthly cost up, it should come up to 10 to 15% of your salary. And you are set for anything.

FlamingFox
post Apr 6 2021, 01:21 PM

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QUOTE(AeolusLite @ Apr 6 2021, 09:54 AM)
Exactly...i see a lot youngsters chaining themselves with hefty car loans after coming out to work  sweat.gif
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This is the new generation, a lot of them wants face even if it means living a more stressful life with lesser financial freedom.
ktek
post Apr 6 2021, 01:30 PM

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consult ang bobby see
ktek
post Apr 6 2021, 01:31 PM

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QUOTE(drowning @ Apr 6 2021, 12:29 PM)
It's right. You should spend no more than 10-15% of your salary in car.

8K salary means you only have 800 to 1.2K for car.

MyVi loan is about RM700 a month, so plus insurance, service, roadtax, petrol and general maintenance, that would comes to 1.2K a month.

Anything more, you are heading to trouble.
*
installment where got sohigh. u tau kira x
ktek
post Apr 6 2021, 01:32 PM

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QUOTE(AyamBlend @ Apr 6 2021, 12:29 PM)
not really tho

good car really give ppl good impression ?
or buy an expensive car to boost your confidence and push you harder on makign money. 
Like this get married and get a kid, best way to push your limits  tongue.gif

car supposed to be a mode of transportation, getting an axia / myvi good enough interm of space, aircond, and fuel cons.. many people nowadays dont know changing their 3 years old 5 years old car for what (except those really know how to play with resale value and car enthusiast )
inovlve in long driving daily (say 100-200km pday probably shud get a more comfy sedan / salloon).

want big car in some occassion why not rent it when you need it,lol maintenance is way cheaper.

no right or wrong there, ppl choose how they wanna live, hes just sharing based on his view and experience, may choose not to follow
depends on what kind of safety, if airbag / strong beam , yea

not those bullshit kind of lda, auto headlight switch on / projection

DRIVING WAS NOT MEANT TO BE RELAX, we dont need "everyone can drive" culture on our daily road.
Driving meant to be stress, stay full alert, and energetic all the time, feel stress / tired / fatique, stop the driving, you are not supposed to drive under any circumstances like that.
*
+1 best post of the day
chanti-sama
post Apr 6 2021, 01:33 PM

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Only idiots buy cars with installments.
drowning
post Apr 6 2021, 01:34 PM

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QUOTE(ktek @ Apr 6 2021, 01:31 PM)
installment where got sohigh. u tau kira x
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5 years loan is about there. 7 should be the max.
ktek
post Apr 6 2021, 01:36 PM

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QUOTE(drowning @ Apr 6 2021, 01:34 PM)
5 years loan is about there. 7 should be the max.
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5yr not approve la. many burden broo
use 7 & 9 is plenty diff
JungWoo
post Apr 6 2021, 01:36 PM

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Yes korek, according to US lojik. After tax would be Myvi level.

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