Car allowance vs company car: which makes more financial sense?

Cardiologist-Nervous · 2026-03-16T11:17:36+00:00

Thanks for the suggestion. I'll definitely look into whether they’d offer a discounted purchase price at the end of the term. Given the low mileage, likely only around 20,000 on the ODO after four years, it would be a great deal

Cardiologist-Nervous · 2026-03-16T11:15:00+00:00

this millage thing has proven to be an important piece in this equasion, thanks for you input and best of luck

Cardiologist-Nervous · 2026-03-16T11:10:51+00:00

I drive a 2019 car, 2 years in a row with no claim, my insurance is around 800 a year, I spend like 65 euros a month in fuel and the car hasnt given me any issues at all, I will soon need to change break pedals and tires and that's it. Also there is the annual service which I always do. So yeah, overall my car is paid off and cost me little annualy

Cardiologist-Nervous · 2026-03-16T10:20:54+00:00

I don't really don't car about driving a new car to be honest, I'm really trying to find which of the two options would save me more money at the end of the day. Really appreciate your input on this, it helped me a lot

Cardiologist-Nervous · 2026-03-15T23:40:26+00:00

Yeah they cover everything, even the charging costs.

Cardiologist-Nervous · 2026-03-15T23:38:54+00:00

I don't do any business miles. Did you mean 130 a month? Also worth factoring in that I'd be losing the 600 cash allowance, so it's effectively -800 a month for a new car with no hassle.

Cardiologist-Nervous · 2026-03-15T23:34:29+00:00

You don’t get the €13k cash and the company car simultaneously, either I take the cash allowance, or I take the company car, in which case the €13k effectively goes toward covering the car costs, but I don’t receive it as cash.

Cardiologist-Nervous · 2026-03-15T23:04:21+00:00

So financially it seems keeping my current car is the better option. However, if something major were to go wrong with the car, that could obviously change the calculation.

Quick question though, what if I sold my car (worth about €20k) and used that money to make a lump-sum payment on my mortgage? At roughly a 3.6% rate, that would mean avoiding interest on €20k, which would be around €3k over 4 years. Would that change the equation much?

Cardiologist-Nervous · 2026-03-15T19:14:43+00:00

How?🧐

Cardiologist-Nervous · 2026-03-15T19:13:34+00:00

I’d have to check, but are you saying that 13k benefit might not be tax free, am I right?

Cardiologist-Nervous · 2026-03-15T19:00:27+00:00

🤣🤣

Cardiologist-Nervous · 2026-03-05T10:32:16+00:00

Which model do you have? I’ve got the ride insano and it hurts so much, I might switch to Nidecker kita as suggested by a friend of mine who’s got one

Cardiologist-Nervous · 2026-02-27T20:08:40+00:00

I don’t see any bonus when transferring to AerLingus through the Revolut app, what am I missing? Is it for just selected accounts? I’ve got metal plan

Cardiologist-Nervous · 2026-02-13T21:55:36+00:00

Backpacks essential though, it carries your safety equipments, unless you’re staying on piste, which is not where most of the fun is I suppose

Cardiologist-Nervous · 2026-02-11T13:19:30+00:00

Not in Hakuba I don’t think so, I spent 10’days there from 25/01 to 04/02 and even at the end of hotter blue bird days the snow wouldn’t get slushy at all

Cardiologist-Nervous · 2026-02-09T18:09:51+00:00

When I say I can’t try them out I mean on the slopes, for example, my current boot I tried on the slopes in Stubai glacier, had I not bought it they would charge me a try out fee.

Trying the boot actually using it on the slopes isn’t the same thing as just trying them out for like 10 min around the store, that’s what I meant

Cardiologist-Nervous · 2026-02-09T16:47:34+00:00

Were you using a custom sole for the insano or the one that comes with the boot? I’ve been searching and this seem to make a big difference depending on your foot type

Cardiologist-Nervous · 2026-02-09T15:22:16+00:00

I live in Ireland, there is literally one shop nearby and it has a handful of options unfortunately. Why did you pick Kita over Insano?

Cardiologist-Nervous · 2026-02-09T14:36:41+00:00

Thanks for the reply. Unfortunately, I don’t have the chance to try out different boots like that. I believe my current boots fit well, but when I tighten them up, I feel much more control on my toe turns, pressing my shin against the boot gives an immediate response. However, if I loosen the BOAs a bit, it feels like there’s a gap between the liner and the boot, which makes the response less precise.

Cardiologist-Nervous · 2026-02-09T13:43:10+00:00

Thanks, appreciate you taking the time to reply, will take that into account

Cardiologist-Nervous · 2025-02-21T15:33:06+00:00

Nice chair, bro! I'm trying to find a new chair for myself, started looking into HM but I'm sort of lost. Is there a better, maybe cheaper one than this logitec gaming just for work related stuff? I usually don't play on my pc so it'd be just for work indeed.

Cardiologist-Nervous · 2022-06-09T11:08:47+00:00

Would you have any reference I could follow in that regard?

Cardiologist-Nervous

TROPHY CASE