azekeil: (bike)
[personal profile] azekeil
I'm trying to work out what the best thing to do might be. Fancy reading and giving me some suggestions?

I have two vehicles, a motorbike and a car. Here are some constraints and some more information:
  • I will not get rid of the motorbike.
  • The motorbike gets around 30-40mpg - really not that fantastic for a motorbike.
  • I have a car that gets ~20mpg around town, and ~35mpg on long journeys. It's in the top Road Tax bracket and 3rd party insurance costs me ~£300 per year. It's fairly reliable although there have been some issues developing with it which make me want to sell it. I reckon I should be able to get £1000 for it, once I've got it through the MOT that's due soon and got the small amount of rust treated (already planned).
  • I mostly commute 7 miles each way to work and back. Traffic is light enough that going on the bike doesn't make much difference to the journey time.
  • Not having a car will be more difficult but shouldn't stop me doing all but the more unusual things I need to do with transport, like take lots of stuff somewhere, or do huge amounts of shopping (which I could get delivered), or use it for DIY trips and home improvements.
  • I also need to consider that fairly regularly I need to look after two children. Not having a car will limit what I can do with them, but usually we stay at home anyway.
  • I have considered cycling the commute, but I'm not in any state currently to contemplate that.
  • I will not buy a car on credit, nor will I buy a new car.
  • My current finances, plus other limitations means that I can afford around £5000, but I'd rather spend enough money to buy a car that will last a few years without trouble - I imagine around the £2000-2500 mark.
  • I also have an ambition to own a V8 (for the noise and power), just for a year or so, before the cost of oil and the government price me out of it.
  • Any vehicle must be reliable and not require regular maintenance - I'm not a car enthusiast and don't want to spend time and money on my car.
I have been considering selling my current car and buying a 2001 model car (this is the year they started grading the Road Tax). I was thinking of buying a Toyota Yaris, which would cost me around £2,500, but mean that I would only be paying around £35 per year in Road Tax, and a lot less on insurance as well (although I should check that assumption). I could go carless for a while, but I suspect I'd want to buy a car before the winter if for no other reason than comfort. Riding can be quite physically demanding too.

However, I see that Road Pricing will probably be coming into force. I don't know how this may affect my plans.

So, what do you suggest I do, and do you have any idea how any potential Road Pricing plans may affect me?

Date: 2007-06-01 10:27 am (UTC)
From: [identity profile] dr-atheist.livejournal.com
I wouldn't factor road pricing in just yet, as it is not confirmed and wont be introduced for many years if it is at all. Basically it's a completely unknown quantity that you can't determine th eprice of or even if it'll exist.

Date: 2007-06-01 10:28 am (UTC)
From: [identity profile] azekeil.livejournal.com
Yeah. I looked up some bits and pieces after I wrote this, and wikipedia suggests the earliest anything will come into force is 2013, so I don't run a high likelihood of any decision I make now being affected by that :)

Date: 2007-06-01 10:30 am (UTC)
gerald_duck: (car)
From: [personal profile] gerald_duck
I might be selling my car later this year. If I spot a suitable replacement. Though it might not be quite the style of V8-powered car you meant. (-8

I don't know how the doughnut feels, or what his current transport arrangements are, but the most practical solution might be to get one old Passat turbodiesel estate for the household to share. Reliable, good fuel economy, lots of space for trips to IKEA, handy with kids around.

My hunch is that road pricing schemes will fuck everyone and everything roughly equally. Besides, if you let them affect your decision-making, the bastards have won. (-8

Date: 2007-06-01 10:34 am (UTC)
From: [identity profile] azekeil.livejournal.com
I had actually considered a LS300 for a while. It might be quite nice in terms of luxury, but no, it's not quite the style of V8 I was thinking of :)

Unfortunately old TDs (and most newer TDs) are still high up in the Road Tax ratings, and with reports of the top tax band going to £400 per year next year (and probably only going higher after that) I'm keen to avoid that. I also dislike selling (and buying) cars intensely, so I'm keen to do it as infrequently as necessary.

Date: 2007-06-01 10:41 am (UTC)
From: [identity profile] easternpromise.livejournal.com
I'd go with the Yaris or other small car personally. I've had my Micra for a number of years and the thing's virtually bullet proof (touchwood!). I've only ever had two occasions where it wouldn't start - once the distributor cap had busted (cost me £8 to fix) and the second time the battery had b0rked. To give the battery its due, it was 10 years old at the time!

Japanese cars are generally reliable, and fairly economical to run. I probably only spend about £30 a month on fuel, and that includes trips down to Bristol every now and again, plus I drive it quite a bit more now than I used to...

On the other hand, an older, well maintained Golf (if you want a bit more meat on your car) wouldn't be a bad choice either.

Date: 2007-06-01 11:13 am (UTC)
From: [identity profile] ev1ldonut.livejournal.com
I know the driving position you need to use (as I frequently drive the same cars as you), and I honestly think you just won't be able to comfortably fit in some of the cars you have considered. Hell, *I* can't get comfortable in a micra for instance, and I need less room than you.

What I would honestly suggest, is go off to a car supermarket type place, you know, somewhere where with literally hundreds of cars, and sit in them. You're never going to buy from them, but it's a good way to size up cars for comfort, etc. Maybe even take a couple of test drives to find the sort you want.

Once you've picked a car (or a shortlist of possibles), then worry about where to get it.

You use your car a lot, so I don't think it would be wise to not have one, though I can certainly see the logic in getting someting smaller. I still say an older fiesta would do you well, reliable and SO easy to maintain, with dirt cheap parts if anything does fail.

Date: 2007-06-01 11:28 am (UTC)
From: [identity profile] azekeil.livejournal.com
I used to own a Renault 5, made for small French people *shrug*.

I am planning to check my ideas by going and sitting in cars, certainly - a car supermarket is a good place to try that.

The trouble with anything older than 2001 is that it won't qualify for the reduced road tax.

If I save £170 per year on Road Tax (going by this) and £150 a year in insurance, and possibly £300 on fuel, that will be an extra £620 a year. Or, in other words, the cost of buying the newer car will have paid for itself in 3 years, and I'll have the benefits of a newer car. That's not taking into account any other Road Tax rises.

I suppose the bulk of my proposed savings do come from insurance and fuel, so worrying about the tax seems less useful. But I'm concerned that Road Tax is going up, and there have even been some plans to increase it hugely being flaunted about by the Lib Dems in the past.

Date: 2007-06-01 11:38 am (UTC)
From: [identity profile] ev1ldonut.livejournal.com
A reanault 5 is a perfectly comfortable car, much more so than a micra! I honestly don't know about a yaris, they just look tiny to me. *shurg*

As for tax...
Cars older than 2001 will still be banded, just less bands. Any car with less than a 1.5 litre petrol engine (roughly) will be in the £115 a year bracket. Now, while that admittedly isn't £35 (very few cars will actually make that bracket, and probably none that would be pleasant to drive any distance you couldn't just walk), it's still a good sight less than the £300 top bracket (which will probably be £400 soon).

Date: 2007-06-01 11:50 am (UTC)
From: [identity profile] azekeil.livejournal.com
True; I hadn't realised that about older cars not over 1549cc..

I guess I'll just have to drive a couple of Yaris' and see whether I want to go for a new car, or whether I'd prefer to go for an older car again.

Date: 2007-06-01 12:49 pm (UTC)
From: [identity profile] d-floorlandmine.livejournal.com
I can recommend the Passats - I had an old Mk2 Passat for a fair few years, which only died at about the 192,000 mile mark. It was the 2.0 petrol five-cylinder GL5, though, so not as efficient as you might be wanting.

Date: 2007-06-01 12:54 pm (UTC)
From: [identity profile] d-floorlandmine.livejournal.com
The Skoda Felicia (the one before the old Fabia before the cake Fabia) was pretty cheap when new (my mother got her 1.3 estate for 7.5K, new), and should be easily into the affordable bracket now. They're sturdy and surprisingly comfortable. Also, surprisingly roomy. The 1.3 is a touch underpowered for the estate if you're facing steep hills with a full load, though (he said, with memories of Blue Bank at Whitby).

Date: 2007-06-01 01:07 pm (UTC)

Date: 2007-06-01 01:08 pm (UTC)
From: [identity profile] azekeil.livejournal.com
Yeah, could be doable. I am biased towards Japanese cars though.

Date: 2007-06-01 01:15 pm (UTC)
From: [identity profile] d-floorlandmine.livejournal.com
Ah. Fair enough. I have to say my recent 1.6 Nissan was very reliable, and fairly economic, although that may have had something to do with the fact that, being the 100 NX coupe, it weighed sod-all. Decent boot, though, partly because the back seats were munchkin-only.

Date: 2007-06-01 01:32 pm (UTC)
gerald_duck: (car)
From: [personal profile] gerald_duck
Pfft!

I ran my previous car (Ford Granada Scorpio 2.9i V6 4X4 five-door) until it was getting somehwat unreliable at the 250,000-mile mark. My current car (Lexus LS400) is still going strong at 220,000 miles.

I'm genuinely disappointed to hear of a Passat only being good for 192,000 miles; I was thinking of buying a VW Phaeton next, and was expecting high-mileage strengh. Then again, I'm guessing it was the two-litre engine that packed in?

Date: 2007-06-01 01:35 pm (UTC)
gerald_duck: (frontal)
From: [personal profile] gerald_duck
Actually, I found the previous generation of Micra (the one they disbanded in about 2000ish) quite comfortable to drive. Certainly it was way nicer than the Fiesta, Corsa or Clio. (Ka and Yaris are both also quite good.)

A Fiesta will break. Lots. Consider something from the Volkswagen family (i.e. VW, Audi, Seat or Skoda) instead?

Date: 2007-06-01 01:38 pm (UTC)
gerald_duck: (duckling sideon)
From: [personal profile] gerald_duck
The Yaris really doesn't have much poke at all to it. It's OK in town, but frustrating on motorways and a downright embarrassment on single-carriageway rural roads. Maybe a Honda Civic or Toyota Corolla would be better?

I mean, you don't need a small car as such, so there's no point going to absolutely the tiddliest car in any maker's stable.

Date: 2007-06-01 01:42 pm (UTC)
From: [identity profile] azekeil.livejournal.com
No... I guess I have to really work out what I want a car for. If it was just me I'd have just the bike and be done with it. But a car will be useful for a number of reasons - children, shopping, comfort, safety, etc. I know what I need it for, but not really what I want it for.

Date: 2007-06-01 01:54 pm (UTC)
From: [identity profile] ev1ldonut.livejournal.com
You really shouldn't discount German cars. They're manufacturing is really quite excellent you know.

Date: 2007-06-01 01:55 pm (UTC)
From: [identity profile] azekeil.livejournal.com
And also expensive.

Date: 2007-06-01 01:57 pm (UTC)
From: [identity profile] ev1ldonut.livejournal.com
You're shorter than us though, plus he uses a LOT of legroom (even more than me).

That's really not my experience of Fiesta's at all, and I've had experience with several. They've all been reliable, and have all had extremely low maintenance costs, yet been quite acceptable to drive.

Date: 2007-06-01 01:57 pm (UTC)
From: [identity profile] d-floorlandmine.livejournal.com
This was the Mk1.1, really, rather than the Mk2, mind - and I inherited it from my dad in about '93 after a few years as the family car. It finally died sometime after 2000, so it did pretty sterling service, and had acted as a student taxi for quite a few of those years, too. It wasn't so much the mileage which killed it as the years. It could probably have been kept running, but it wouldn't have been economical - the bodywork needed work, and the engine would have needed a major overhaul. Regular maintenance and cleaning might have helped, too.

Build qualities have no doubt improved since!

Date: 2007-06-01 02:00 pm (UTC)
From: [identity profile] ev1ldonut.livejournal.com
Not true, you're just being predjudice based on the likes of BMW and Mercedes! A lot of VW cars aren't expensive, and Skoda and Seat (both owned and run by VW) are really quite cheap.

Date: 2007-06-01 02:02 pm (UTC)
From: [identity profile] azekeil.livejournal.com
Hm. The older ones weren't, and the newer ones tend to be more expensive.. I guess it's worth a look, but as I said to [livejournal.com profile] gerald_duck, I guess I need to work out what I want out of a car. I know what I need out of a car. I figured performance isn't important because I have the bike for that, plus car performance certainly comes at a much greater price than bike performance ;)

Date: 2007-06-01 02:06 pm (UTC)
From: [identity profile] oholiab.livejournal.com
http://www.marcusglenn.com/index2.html

If you can expand your £5000 up by £1500 you can afford a Spartan tank :) Forget all of this car wank.

Date: 2007-06-01 02:07 pm (UTC)
From: [identity profile] ev1ldonut.livejournal.com
Yes, but you said you hadn't decided wether or not to go for a newer or older car yet, which is why I mentioned it...

plus car performance certainly comes at a much greater price than bike performance ;)
Oh, so very yes!
That said though, it's quite true that you don't need high performance from a car, but you also don't really want to get stuck with one that's going to start losing speed going up a hill when it isn't even that heavily loaded. Just remember how frustrating the old Mondeo TD you had was (which was a really bad example of one unfortunately).

Date: 2007-06-01 02:08 pm (UTC)
From: [identity profile] ev1ldonut.livejournal.com
Did I ever mention that I love you? Cos I do, you know. :)

Date: 2007-06-01 02:09 pm (UTC)
From: [identity profile] azekeil.livejournal.com
Well, yeah. I'll have to take some smaller cars for a reasonable test drive and work out if I'm happy to buy one knowing how rubbish it'll be on longer journeys.

Date: 2007-06-01 02:10 pm (UTC)
From: [identity profile] azekeil.livejournal.com
Er.. thanks, I think ;)

Still, I'd have no problems parking ;)

Date: 2007-06-01 02:27 pm (UTC)
From: [identity profile] moosipher.livejournal.com
I read the tags for this entry as - "Bike, Car, Monkey" - and thought - "there is NO CONTEST - Travelling by Monkey is the way forward!!"
It may have been a long and somewhat confusing day :)

Date: 2007-06-01 02:33 pm (UTC)
From: [identity profile] dylan.livejournal.com
Dude, you so need to buy one of these and then we can head off on another road trip.

Saving money is for old people

Date: 2007-06-01 02:54 pm (UTC)
From: [identity profile] nairoz.livejournal.com
I have a friend with a Yaris, and they're like the frickin' TARDIS - I'm comfy in one, and well, you know how much space I take up :P

Date: 2007-06-01 03:05 pm (UTC)
From: [identity profile] azekeil.livejournal.com
Heh. I'm quite tempted. But it's a V6, not a V8. Find me a V8 and talk me into it ;)

Date: 2007-06-04 08:40 am (UTC)
From: [identity profile] mandalorean.livejournal.com
Well anything V8 is gonna hit you in the wallet regardless, so if you plan is to get your costs down it's not going to be a logical step. But, then you know that anyway. :)
I currently own a 1994 Honda Civic 1.5 LSI along side my BMW R1200S motorbike.
The bike and the car are pretty economical, currently the bikes getting 55ish MPG which is amazing! Not quite as fuel efficient at Donington though ;)
The car is pretty close on MPG too. In a low tax bracket, and good on insurance. I will, hopefully, be changing the car for a newer civic in the new year. I'm not fussed about having a fast or powerful car as I have my bike. I'd rather the car be cheap and slow with the ability to get the shopping, if you know what I mean. ;)
However if I only lived 7 miles from work, I'd be straight on the mountain bike when the weathers good. Remember, the only way to get bike fit, is to ride, regardless of push or motorbike :)

Date: 2007-06-04 08:41 am (UTC)
From: [identity profile] mandalorean.livejournal.com
And I must take a new icon picture of the Ohlins. I mean look at that chicken strip!!!
Thats not there anymore by the way ;)

Date: 2007-06-04 08:43 am (UTC)
From: [identity profile] azekeil.livejournal.com
Yeah, I realise that about V8s. But like biking, sometimes you just gotta do it ;)

7 miles I could probably do, but not then go on to do a full day's work and ride back again afterwards. I'm hoping to increase my fitness though, which might then make it a possibility.

Date: 2007-06-04 08:44 am (UTC)
From: [identity profile] azekeil.livejournal.com
I'm quite serious about finding a V8 and talking me into it.. :)

Date: 2007-06-05 09:28 am (UTC)
From: [identity profile] stuartl.livejournal.com
Similarly though he doesn't need a big car, so why pay for the fuel, maintenance etc?

I agree with the principle but he doesn't need a 4.2 V8 A8 either ;)

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