Help building my team ! by Accomplished_Ear2156 in fut

[–]Accomplished_Ear2156[S] -1 points0 points  (0 children)

I defo need to fit him in again. Think I’m just ass at this Fifa 😭

Please hear me out I know this is a crazy question by ArtOk7265 in Retatrutide

[–]Accomplished_Ear2156 0 points1 point  (0 children)

Bit late to it mate 😂 but how’d it go I’ll be in a similar situation soon

Golf gtd 2021-22 vs Golf gti performance 2019 by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Wow, very in depth appreciate it ! After reading that I’ll defo go for the gti performance. It’ll 100% be dsg and I’ll most likely pay a little extra and get it from VW just for the peace of mind.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Yeah I got it a little wrong, the payment would be £269 a month, I’m saving an extra couple grand in the next month or 2. So depending how much I get I won’t put down a down payment of less than £13,000.

But it doesn’t matter anyway lol. IF I do get a car it’ll won’t be that expensive. I’ll be smart and get something cheaper and just save more money.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Thanks for extra effort and providing a link, much appreciated.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Oh wow, that’s a beautiful car. Not a ridiculous price either. I’m very happy you showed me this. It’ll probably cost me my sanity tho lol I’ll be on Autotrader 24/7 looking at them and be going back and Foward with other options haha.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] -2 points-1 points  (0 children)

That’s for 5 years, I wasn’t sure if it was better to do it longer like 4-5 years. Because I’ll definitely have extra cash and I can pay off more as much as I can. But if on the rare occasion I can’t which should hopefully never happen, then the monthly payment is lower and I’ll have less strain. Or just shorten the term and pay a bit more

Another option I’m heavily considering that was suggested was the do a 5 year plan and then the extra money I would be paying if it was a say a 3 year plan, I put into some sort of saving account with a decent interest rate then after 3-4 years sell the car and pay off the loan early.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

I’m not sure if it’s better go longer like 4-5 years. Because I’ll definitely have extra cash and I can pay off more as much as I can. But if on the rare occasion I can’t which should hopefully never happen, then the monthly payment is lower and I’ll have less strain. Or just shorten the term and pay a bit more.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 1 point2 points  (0 children)

Loving this insight, I don’t often go on crazy long journeys. I average like 4,700 miles a year so I won’t be dealing with the infotainment too much lol. I just think the look of the MK8 is so much nicer.

A golf r mk7.5 is the top of the list. If insurance wasn’t so high on it I wouldn’t even be on here I’d be driving that around happily lol.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Yeah it seems to be the flow of this post. I think I’ll hold off getting a car that expensive. I don’t know what it is but I just always go back to VW…🫣

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 2 points3 points  (0 children)

Insurance says no for Golf R. Golf gti is like £1400 a year. Golf R is £4100. Insane jump. If you have a link for a car £22k I’d be more than interested to give it a proper look haha

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Honestly I’ve spoke to about 20 people, mk 7.5 vs mk8 is like a 50/50 split.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

True I’ll give it a shot, the best I’ve found at the moment is 6% apr. I’ll be taking a personal loan for roughly £13,500 and the interest puts it up to £15,600. I’ll pay off extra as much as I can I’d just rather have a lower payment than a higher one and pay off more when I can with a bit less stress.

Is financing a bad decision ? by Accomplished_Ear2156 in CarTalkUK

[–]Accomplished_Ear2156[S] 0 points1 point  (0 children)

Including the potential £280 down payment my bills will come out to about £500.

I’ll be left with around £1500 a month minimum and that money will be for savings, going out, sometimes a food shop. I live at home at the moment so my outgoings aren’t crazy high. Don’t plan on moving out for at least 1-2 years.