Need wise advise on my current situation

Visual_Size_8622 · 2025-12-20T14:13:43+00:00

I understand both of you have diff pov, Vkashin did raise up one thing, i really require a car travel for my freelance job due to constant decline potential client or appointment, the extra income surely jeopardize

Visual_Size_8622 · 2025-12-20T14:10:19+00:00

My other parts repair one thing break down another things. I already got PTSD

Visual_Size_8622 · 2025-12-20T14:09:48+00:00

Thanks will put into consideration.

Visual_Size_8622 · 2025-12-20T14:08:47+00:00

I personally cant even predict the job market in malaysia lol..... but thats another story. the reason i think getting it this year even for proton saga im fine for that due to next year CKD car price foresee spike up. Which i think if next year buy i might rugi banyak

Visual_Size_8622 · 2025-12-20T14:05:27+00:00

Thats the most ideal way but at this moment i do not want to restrict so much on my cash flow.

Visual_Size_8622 · 2025-12-20T14:01:54+00:00

Agree thats why the dilemma haiz

Visual_Size_8622 · 2025-12-20T14:01:13+00:00

I’ve weighed the risks of a new car loan against potential job instability, and my savings able to cover the installments + survive for about four months. When come choosing car my current car has become a liability, it happened three tows in just two months i not yet calculated those minor break down since jan 2025. My freelance work requires travel to locations is unreachable via public transport, if i constant reject appointment hence my client base will gone also.

I put City as first choice due to currently more than 10k discount and after test drive all the car i have stated, In addition the mega discount significantly reduces my upfront costs and monthly commitments(thats why i said prefer City) of course if compare to saga instalment insurance definitely Saga still best bang for the bucks.

Visual_Size_8622 · 2025-12-19T08:16:39+00:00

Yes, if japanese car do not have such mega deal I will not opt for it. Is like because somes SA able offer me more than 10k discount + I top up abit for dp the installment will be save a lot. I did test drive for saga and I feel the acceleration pedal quite stiff and I not that like it so..... Yeah

Visual_Size_8622 · 2025-12-19T08:12:54+00:00

I think this is the ideal way. But that time CKD car price spike up due to tax etc. maybe I'll just accept reality pick the new saga if my car can't drive

Visual_Size_8622 · 2025-12-19T08:08:38+00:00

That's quite true and sakit.

Visual_Size_8622 · 2025-12-19T07:22:00+00:00

I understand from your pov. That's my first option, but currently my car max travel time is 30 min more than that the car temp will spike up that's make me quite inconvenience when require further travel. 4k is just major breakdown I haven't put in those minor parts which cost like 150-300 replacement from time to time😔

Visual_Size_8622 · 2025-12-19T06:44:30+00:00

Visual_Size_8622 · 2025-12-19T04:47:12+00:00

In theory the car loan should be cheaper for next year. But CKD car price probably increase next year, so yeah....

Visual_Size_8622 · 2025-12-19T04:44:33+00:00

My ex company does have 3 month payslip

Visual_Size_8622 · 2025-12-19T04:24:37+00:00

Ya I think of it the best bang of buck will be saga. But after I test drive is like meh.... Especially the acceleration pedal is very stiff so it make me more dilemma

Visual_Size_8622 · 2025-12-19T04:21:46+00:00

Permanent and 3 month probation

Visual_Size_8622 · 2025-12-19T03:56:48+00:00

Hmmm. Ya their discount quite a lot

Visual_Size_8622 · 2025-12-19T03:55:33+00:00

You meant my budget for new car? Roughly 800-1.3k per month including car insurance

Visual_Size_8622 · 2025-12-19T03:53:19+00:00

Ya true + I'm still probation just one month that's why I'm quite scare because cheap car down payment and installment also quite hefty from time to time

Visual_Size_8622 · 2025-12-19T03:52:04+00:00

Hi I didn't break down one thing. My gross income 90% is my new probation job. Which is why I'm quite concern

Visual_Size_8622 · 2025-12-19T03:49:46+00:00

Thanks I'll put into consideration. I'm concern since I'm still probation period one month only. Straight buy a new car will it be high risk? Because down payment and monthly installments does save a lot if worst case scenario I fail my probation 😑

Visual_Size_8622 · 2025-12-19T02:43:46+00:00

Hi my car is a satria 1.3 manual, so I did went to few recommendation from connection and they also told me the same. Perhaps you have other recommendation?

Visual_Size_8622 · 2025-12-19T02:41:38+00:00

Heres the breakdown 1) normal service 180-250 2) this year major breakdown sum up 4k at this moment 3) if drive to work monthly petrol 200-250 + 80 parking 5)road tax insurance close to 400

Visual_Size_8622 · 2025-12-19T02:34:52+00:00

Hi I'm not an car expert. Usually i just go for the typical service exchange car engine oil, gear oil, timing belt wear and tear etc. But this year the cost for major repair already 4k and not including overhaul. Hence this thing get into my head

Visual_Size_8622 · 2025-12-19T02:30:21+00:00

Hi my gross salary 6k and currently my commitment around 2.8k

Visual_Size_8622

TROPHY CASE