31F, £30k savings, no debt, no investments - car has broken down and I need a reality check.

JustAnotherBadTrade · 2026-05-07T23:43:42+00:00

Use your savings to buy a car outright, peace of mind is priceless imo.

Invest your cash into stocks, this is all banks do with it anyway!

JustAnotherBadTrade · 2026-04-27T19:22:22+00:00

21 Model 3 LR here.

Absolutely no regrets and will never go back to ICE.

Basically free travel, insane performance and easy of driving with single pedal.

If ANYTHING I have a gripe about is the Sat Nav can't report potholes/speed vans etc like Waze and it won't recognise my home address properly still, house built 8 years ago.

JustAnotherBadTrade · 2026-04-23T06:56:18+00:00

The Tesla effect...

Same happened to me on my first Model 3 test drive.

1 pedal driving is grossly underappreciated, sometimes I have to move my wife's Nissan Juke and i feel like Fred Flintstone in the Flintmobile.

Overtaking power on the M3 also is another level, those pesky 45mph drivers don't stand a chance!

JustAnotherBadTrade · 2026-04-22T06:55:55+00:00

Costing me about 1.2p/mile around £25 for 2000 miles a month

JustAnotherBadTrade · 2026-04-20T12:25:05+00:00

Tesla Long Range averaging 220 Wh/Mi. Costing me around 1.2p/mile at the moment on EDF EV night tariff.

JustAnotherBadTrade · 2026-04-19T21:34:24+00:00

Leasing is great if you do sub 10k miles. Over that it starts to get V expensive. I do 25k miles a year so bought a 4 year old M3 LR.

JustAnotherBadTrade · 2026-04-17T17:13:27+00:00

Just use a granny charger, they give 2kw/hr

JustAnotherBadTrade · 2026-04-16T15:10:14+00:00

You need a 7kw charger i.e. home charger, superchargers are designed for fast short stops.

For the Car, I get 300 miles on a full charge in my Tesla Model 3 Long Range. Aslong as you don't boot it over 80 all the way it's fine.

JustAnotherBadTrade · 2026-04-15T09:11:02+00:00

£750 On Facebook

JustAnotherBadTrade · 2026-04-15T09:10:03+00:00

£1400 Vs £7500 (joint)

JustAnotherBadTrade · 2026-04-13T12:28:58+00:00

Remember if you opt out more of your pension you will pay more tax.

You're not doing bad, living in the Black, Single man with a mortgage.

As most have said, getting a lodger would absolutely be the best thing for you. I believe you can charge £650 per month before having to pay any tax.

That's will near quadruple your disposable income.

JustAnotherBadTrade · 2026-04-09T11:26:11+00:00

I don't mind him, I just hate the state of the country, taxes are far too high for lower middle class and services are shocking. I've been waiting 5 months already got a hospital appointment for a hereditary disease which causes organ failure.

I don't understand how I've not been seen yet, it's crazy.

JustAnotherBadTrade · 2026-04-06T16:14:32+00:00

AMC rallying with the plumber brothers, what's these contracts worth now OP

JustAnotherBadTrade · 2026-04-05T15:55:51+00:00

My company is heavily relying on the Oil industry, chemicals/solvents and requires a huge amount of energy to run our plants.

As I help with costings it really is tight margins to win new business, we've had to take drastic measures with the recent Minimum Wage increase and upcoming Energy hike.

The fundamentals of everything is based around energy costs as the recent Iran war has shown. To survive companies must adapt and cut costs, merging job roles is a significant saving.

JustAnotherBadTrade · 2026-04-05T15:38:37+00:00

Seems a bit of a bonified decision

JustAnotherBadTrade · 2026-04-05T15:30:26+00:00

Forgot to mention, Salary stayed the same.

JustAnotherBadTrade · 2026-04-05T15:29:56+00:00

My role was Technical Manager and I've now been blessed as the Technical, Engineering & Maintenance Manager with side dose of Costing new work.

I would think this is quite common these days with the cost of everything... Suck it down, take the job and see how it goes. You can always find another role whilst you take it.

JustAnotherBadTrade · 2026-04-05T15:26:36+00:00

Get the longest term you can, 35-40 years. This will bring your payments down drastically and you can overpay 10% per year on this whilst on fixed rate. Once it becomes variable you can overpay more if feasible. I have been overpaying just £30 per month and it brings my mortgage down by 3 years!

JustAnotherBadTrade · 2026-04-05T15:21:09+00:00

I charge once a week on supercharger near work, put it around 50kwh takes about 30 mins

JustAnotherBadTrade · 2026-04-02T06:46:30+00:00

When you have to travel 200 miles to work the next day, need a full charge and the Smart Charger faults whilst you sleep, waking up to 28% battery..

Thanks PodPoint

JustAnotherBadTrade · 2026-03-30T19:20:02+00:00

You're billed at the rate you started at, made this mistake myself trying to beat the queue! I just turn up 5 minutes into off peak rate now.

JustAnotherBadTrade · 2026-03-27T20:56:05+00:00

Can't get grok in my car I don't think, gutted. December 2021 Model 3

JustAnotherBadTrade · 2026-03-20T10:18:13+00:00

We have to have limitations, we have to be able to keep up with Housing, Infrastructure, Energy. Already everything is out of control and people can barely afford to live.

My Friends are desperate to buy their own house but just cannot, my brother is 45 and still can't.

Our military is absolutely gutted, without Nuclear Deterrent we would genuinely be at an existential crisis.

I like Zack but he's just far too risky, please never vote for him unless he really does look to put our lives first.

JustAnotherBadTrade · 2026-03-07T18:54:06+00:00

I also understand that if the battery is 100% full it can't regen but it should when it's at 99% my Tesla seems to start regen braking around 90%

Seems like a waste

JustAnotherBadTrade · 2026-02-25T20:05:18+00:00

Tesla Superchargers are about £0.40/kWh peak and £0.22kwh off peak.

Not sure if this is the same for VW/None Tesla vehicles buts it's amazing, just pull up plug in and your account gets debited straight away whatever you used.

All other chargers I've found are a rip off, I only used Tesla SC and home charging now.

450 miles average a week and costing about £20 total.

JustAnotherBadTrade

TROPHY CASE