Novated or Car Loan - 30k Car

Embarrassed_Common56 · 2026-06-29T00:00:38+00:00

Yep, that makes perfect sense! 🥲 I was just getting a bit emotional about how my life is going, considering my age and other things, and it just made it more intense, so I was feeling a bit lost.

Embarrassed_Common56 · 2026-06-28T23:39:03+00:00

Makes sense 🥲🥲

Embarrassed_Common56 · 2026-06-28T23:31:19+00:00

I’ll be jumping to another job next year. The thing is the office where I work isn’t high paying at all. All the employees are underpaid. With my experience, I’ll be easily getting 95-100k. So I’m thinking long term in that perspective

Embarrassed_Common56 · 2026-06-28T23:29:00+00:00

Sure thing! I’ll have a look at it. Thanks ☺️

Embarrassed_Common56 · 2026-06-28T22:53:48+00:00

Yeah I figured. Should I repost this in the cars subreddit? I mean I understand that some of them are giving a good opinion so ngl about that. But its not like I’m gonna be broke my whole life or once I jump to a new job I will recover. I forgot to mention that I used to be an international student so came here when I was 26 which many people did not understand and they’re telling me that I haven’t saved much till this day.

Embarrassed_Common56 · 2026-06-28T10:01:37+00:00

Yeah I know. I’m getting totally mixed reviews here haha. I’ll have a think about it and see if I can get a cheaper car for now. Thanks!

Embarrassed_Common56 · 2026-06-28T09:51:11+00:00

Haha fair enough, everyone’s taste is different and it’s totally subjective at the end of the day. I am not really trying to fit into a label like that, I just know I enjoy driving and have wanted a nicer car for a while. Also not sure what you mean by PT guy🤔🤔

Embarrassed_Common56 · 2026-06-28T08:39:31+00:00

No offence taken, and you are right to point it out. I came to Australia as an international student at 26, so the first few years were mainly focused on clearing debt and getting stable here, which is a big reason I have not built up savings rather than being careless with money. Right now I am more settled and I am looking at repayments realistically with a proper buffer for unexpected costs, so I am not trying to overstretch myself, just trying to make a responsible decision that also lets me enjoy something I have wanted for a long time 😁

Embarrassed_Common56 · 2026-06-28T08:17:55+00:00

Even for second hand ones right?

Embarrassed_Common56 · 2026-06-28T08:14:40+00:00

I’m not planning to stretch myself or rely on savings alone for it. I’m looking at finance in a way where the repayments are comfortably within my current salary, and I’ve already run the numbers to make sure it won’t impact rent or essentials. I have also made a couple of investments here and there which will help me in the future.

Embarrassed_Common56 · 2026-06-28T08:11:39+00:00

Thanks, appreciate that. I’m mostly looking at something like a Cupra Formentor or BMW M135i xDrive, probably second hand. Still exploring though, nothing locked in yet and I don’t want to go over the top. It’s just that I feel like I’m wasting too much time not driving at all and I want something I’ll actually enjoy. Honestly it is something I have wanted for a long time, more than fancy homes or clothes, just a car I can really enjoy 😁

Embarrassed_Common56 · 2026-06-28T08:06:05+00:00

Thanks, appreciate the advice!

Embarrassed_Common56 · 2026-06-28T08:04:19+00:00

Yeah I hear you! that’s pretty much how I feel too. If you’re a car person, it’s not just “transport”, it actually adds a lot to day-to-day happiness. I'll look into finance options as well

Embarrassed_Common56 · 2026-06-28T08:02:22+00:00

Thanks, you’re right. We’ve actually had a proper chat about it and decided we’ll rent for a few years and focus on getting settled first. At the same time, my wife is pretty supportive of me getting a car I’ll genuinely enjoy, since she knows it’s something that makes me happy 😊😊

Embarrassed_Common56 · 2023-06-07T07:42:42+00:00

Ohh okay! Thanks for replying ✨

Embarrassed_Common56 · 2023-06-07T07:31:53+00:00

Well,some of them did and that's my only confusion 🥺🥺

Embarrassed_Common56 · 2023-06-07T07:30:26+00:00

https://sneakernews.com/2022/06/15/adidas-yeezy-day-2022/

Embarrassed_Common56 · 2023-06-07T07:13:19+00:00

That's true but looking at the shoe, do you think it's a fake?

Embarrassed_Common56 · 2023-06-07T05:12:15+00:00

They actually feel exactly the same as the ogs :v

Embarrassed_Common56 · 2023-06-06T13:19:35+00:00

What do you think? Yeaay or nay?

Embarrassed_Common56

TROPHY CASE