An Expensive Week – Part TwoPosted: Tue 11 October, 2016
Following on from the whole car kerfuffle last week, I’ve made a decision – it’s time to get rid of the Saab. It’s been decidedly iffy this year, and with the latest issue, I just can’t rely on it when I need to. I’ve still got a thousand-ish miles to do by the end of this month, let alone the stuff for the rest of the year, so need something I can trust will get me from A to B without the need for recovery, garages and the like. Basically, that’s it.
The Saab no longer fits that bill, so it’s time for it to go. I know I still won’t qualify for a car finance agreement etc., so it’s been a case of sorting out a transfer of funds from the savings account. It means a fixed budget, and see what fits that bill and those funds.
I spent some of the weekend looking at new (to me) cars, and have one sorted, to be collected on Wednesday.
It’s a diesel Kia Ceed, so fairly crap. But it’s only 70,000 miles, and came in well under budget. I’ve wangled a service and a year’s MOT out of the dealer, as well as a parts guarantee for a year (or 20,000 miles, whichever comes sooner) The deposit has been paid with a credit card, which covers me under Section75 for the full price of the car, should it turn out to be a lemon. (That’s something I didn’t know ’til recently – so long as you pay more than £100 on a credit card, S75 covers the whole amount, not just whatever was paid by the card) In short, I’m as covered as it’s possible to be.
In all, it’s not a bad deal. The price is good, and having checked further since, I reckon it’s going to be saving me about £100 per month. Yeah, per month. The road tax is £30 for the year, rather than the £25 a month I was paying for the Saab. (It fell just outside the newer emissions regulations, which I didn’t know at the time I got it) and the insurance is £30 less a month. With the reduction in fuel costs as well – diesel vs. petrol, and so on – it stands to be a significant saving.
Then there’s what I got for the Saab – I took that back to the Saab garage on Monday, transferred the ownership, and basically got back what I initially paid for it. It’s still cost me money over the three years, but it’s nowhere near as bad as it could have been.
I’ll see how things go with the new car – I’m not expecting lots from it, just to be reliable and to do what it should. It’s going to have a busy couple of weeks once I’ve got it, including longer runs to Dorset and Manchester, so by the end of the month I’ll know more about how it fits my requirements, and hopefully that it’s generally reliable.