Hey there guys, I don’t have a dilemma or a problem but I’d like your opinions and views on my situation I guess. So I want my next car to be a S15 Spec R now the thing is I’ll have a budget of up to £9000 to spend and I am very close to having this amount so I am thinking more and more of this car. The way I see it is that my budget is very healthy to enable me to find the best one I can, the budget is up to £9000 but I don’t want to be spending the entire lot if I can find the perfect example for less then that it would be great. Now is it wise for me to buy this car entirely with my own money that I have? Or should I part fund it through a loan from a bank e.g. The Credit Union?
The mentality I have been brought up with is that if you don’t have the money to purchase it, save up until you do. So I hate the thought of being in debt or having any loans really but then again is it wise for somebody my age to spend £7/8/9,000 on a car with all cash? What would you do? I really love the thought of just buying it all with my money, I guess it would be a sense of pride and knowing that it was all my own hard work which earned me the money to buy it.
Now I know purchasing the car is the easy part, up keeping the car is another challenge on its own. I currently own a ’93 EG6 SiR (1.6 VTEC) and I can afford to up keep it i.e. fuel, tax, insurance etc. But then again a 2.0 turbo’d car is a different machine altogether. In terms of taxing the Civic costs me £220 per year and I do believe the S15 is something similar, so that wouldn’t be the problem as I am used to paying that amount per year. In terms of fuelling costs if I drive sensibly and considerately in the Civic £40 would see me around 200 miles, how would an S15 compare? I know to a certain degree the fuel consumption is affected by driving style but how many miles would an S15 see for £40 worth of fuel? The worry is that I buy it then I cannot afford to fuel the beast, the very same thing happened to my brother 2/3 years ago; he bought a BMW 540 (whatever that is lol I only know Japanese cars!) and he was crippled with the fuel costs and had to sell the car on and I do not want that same thing to happen to me.
My biggest worry/concern is really insurance, I’m currently 22 (turn 23 in February) and I live in Northern Ireland so I get screwed in both aspects; my age and location. For the Civic its just shy of under £1,000 with Quinn Direct and looking at the insurance thread most people pay under £1,500 but then again you guys are alot older than me and live in the mainland where insurance is alot cheaper than here in Northern Ireland because I guess they see this place as Baghdad.
I do have my heart set of an S15, its the only car I see myself in really anything else to me would be a massive disappointment. I guess I love it because firstly its uber JDM, its RWD, turbo’d and its a rare sort of car and really I want this car to show to people who have done me wrong as a big massive F you (vain I know). Myself as a person I do not smoke or drink (due to religious reasons) which see me saving alot of money, I don’t waste my money on stupid things as I am quite thrifty aka tight assed lol and because of my job I see around £400/500 a month. I have all the plans for the car outlined in my head; lowered on some bronze Rota Drifts, Nardi steering wheel, Bride drivers seat, have the car running higher boost (with all the supporting mods i.e. turbo back exhaust, BOV, bleed valve, FMIC etc) and a remap! So I have thought of the car ALOT lol
Sorry for the massive essay but I would love your opinions and thoughts please
--- Shahid
The mentality I have been brought up with is that if you don’t have the money to purchase it, save up until you do. So I hate the thought of being in debt or having any loans really but then again is it wise for somebody my age to spend £7/8/9,000 on a car with all cash? What would you do? I really love the thought of just buying it all with my money, I guess it would be a sense of pride and knowing that it was all my own hard work which earned me the money to buy it.
Now I know purchasing the car is the easy part, up keeping the car is another challenge on its own. I currently own a ’93 EG6 SiR (1.6 VTEC) and I can afford to up keep it i.e. fuel, tax, insurance etc. But then again a 2.0 turbo’d car is a different machine altogether. In terms of taxing the Civic costs me £220 per year and I do believe the S15 is something similar, so that wouldn’t be the problem as I am used to paying that amount per year. In terms of fuelling costs if I drive sensibly and considerately in the Civic £40 would see me around 200 miles, how would an S15 compare? I know to a certain degree the fuel consumption is affected by driving style but how many miles would an S15 see for £40 worth of fuel? The worry is that I buy it then I cannot afford to fuel the beast, the very same thing happened to my brother 2/3 years ago; he bought a BMW 540 (whatever that is lol I only know Japanese cars!) and he was crippled with the fuel costs and had to sell the car on and I do not want that same thing to happen to me.
My biggest worry/concern is really insurance, I’m currently 22 (turn 23 in February) and I live in Northern Ireland so I get screwed in both aspects; my age and location. For the Civic its just shy of under £1,000 with Quinn Direct and looking at the insurance thread most people pay under £1,500 but then again you guys are alot older than me and live in the mainland where insurance is alot cheaper than here in Northern Ireland because I guess they see this place as Baghdad.
I do have my heart set of an S15, its the only car I see myself in really anything else to me would be a massive disappointment. I guess I love it because firstly its uber JDM, its RWD, turbo’d and its a rare sort of car and really I want this car to show to people who have done me wrong as a big massive F you (vain I know). Myself as a person I do not smoke or drink (due to religious reasons) which see me saving alot of money, I don’t waste my money on stupid things as I am quite thrifty aka tight assed lol and because of my job I see around £400/500 a month. I have all the plans for the car outlined in my head; lowered on some bronze Rota Drifts, Nardi steering wheel, Bride drivers seat, have the car running higher boost (with all the supporting mods i.e. turbo back exhaust, BOV, bleed valve, FMIC etc) and a remap! So I have thought of the car ALOT lol
Sorry for the massive essay but I would love your opinions and thoughts please
--- Shahid
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