This is a completely different argument regarding joe public's inability to save. I will never understand why people are like it mind.
Petrol V Diesel MPG
- Thread starter MoBo
- Start date
This is a completely different argument regarding joe public's inability to save. I will never understand why people are like it mind.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
I see. Where did I say everyone who disagrees with me is wrong?
This is the point I'm having difficulty getting my head around. Effectively as I understand it you are saying that my point falls on its face at the point where the person doing it simply blows the £1k on something else? Whereas having the £5k car physically stops them doing this?
Thats not really fair, is it? After all, the plan works on the assumption you DONT spend it on other stuff becuase hey, had you bought the £5k diesel you wouldnt have it.
That the £1k might vanish if you pay your gas bill is not a failing of the scheme, its a failing of the person doing it. You wouldnt have had the £1k to pay your gas bill or whatever had you bought the £5k diesel which then begs the question where would the £1k you just spend have come from then!
Can I just remind you that on the example we are working on the difference in fuel costs is £7 a week?
Are you basically saying it doesn't work becuase most people are not financially disciplined enough?
[TW]Fox;11273355 said:Yes lets compare the MPG of a diesel not driven hard with a petrol driven hard
I wonder this sometimes, does a diesel driven hard have a better fuel consumption than a petrol driven hard,
I don't mean in the obvious sense, lets pretend we have a diesel and a petrol, both do 50mpg, however when thrashing the daylights out of the petrol it returns 10mpg but the diesel does 30mpg, if you understand what I mean.
But you have a mortgage Leon. You can't possibly be trusted with the spare cash from spending a bit less on a petrol car.
The other side of the coin is, of course, that you cannot budget to repair the diesel car (as all your money has gone on the initial outlay), so why should you budget for repairing the petrol car or assist with the running costs. You may, in certain scenarios, be better off using the money you've saved by buying the petrol car to fund your living costs.
Big problem with this is that you will find it difficult to afford repairs should the worst happen. You could find a slightly older diesel costing the same amount as the petrol car and then have the same contingency for both motors... then you'd have to factor in the costs of diesel parts versus petrol parts and general reliability
Big problem with this is that you will find it difficult to afford repairs should the worst happen. You could find a slightly older diesel costing the same amount as the petrol car and then have the same contingency for both motors... then you'd have to factor in the costs of diesel parts versus petrol parts and general reliability
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That's just it, in a thread about whether to buy a diesel or petrol car makes more financial sense, joe public's behaviour has a major impact on it.
I've not said that your or Fox's argument is wrong, it's not, just that it doesn't relate to the way most people's finances in this country are actually run.
People's behaviour matters when you're looking at people's budgetry requirements, and for most people, putting the difference between the two cars away and ensuring it's only used for the car is not a good option. Most will end up with the car with higher running costs and no buffer, which is where the problems come.
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my situation
I`m a courier so need a diesel as i`m doing 50k-60k per year so I bought a Skoda fabia Vrs wanted something that would also move if i wanted it to so its a nice balance of economy and AHEM! Sportyness. Finance for 5 years After 2 1/2 yrs give it back to finance company as itll have 170k ish on the clock and that way they can soak up the depreciation. the car is costing me £188 a month on finance but is saving me £50 a week over my previouse 1.4 sunny so it isnt really costing me much. If i drive like miss daisy I can get 60 mpg but normally its 48-52 ish. with a 50:50 split motorway and town jumping on/off the m60 m66 m65
I`m a courier so need a diesel as i`m doing 50k-60k per year so I bought a Skoda fabia Vrs wanted something that would also move if i wanted it to so its a nice balance of economy and AHEM! Sportyness. Finance for 5 years After 2 1/2 yrs give it back to finance company as itll have 170k ish on the clock and that way they can soak up the depreciation. the car is costing me £188 a month on finance but is saving me £50 a week over my previouse 1.4 sunny so it isnt really costing me much. If i drive like miss daisy I can get 60 mpg but normally its 48-52 ish. with a 50:50 split motorway and town jumping on/off the m60 m66 m65
Get over yourself.. no one is talking down to anyone.. I'm really glad that you have 2 businesses, I bet you are 10 times better at budgetting these things then I am... I just made an observation that made me chuckle...
The facts are, you are both 'young', and whether right or wrong, seem to be trapped in this belief that your wisdom is infallable, with extrememly black and white views on the general behaviour of the populous.. I am simply saying that I can see two sides, if I step outside my own beliefs and look at it from a different perspective.. not that one side is blatantly 'wrong', and the other 'right'.. If this isn't an almost stereotypical situation whether by design or not, I don't know what is..
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[TW]Fox;11277320 said:
It would make things easier, but no, just as we can't assume that every person has funds set aside for every eventuality (because in many cases, it's simply not possible).
It's also worth noting that rationality is viewpoint dependant, the person who buys an expensive car for it's cheap running costs makes what for them seems like a rational decision. It can even be made on the same data, just with different priorities or assumptions.
Whether you had a little giggle or not, you "spoke" to me as if i need some kind of finance lesson or as if i am in some way a child who didnt understand what was being talked about. I didnt appreciate it.
For what its worth i've had 4 cars - 2 petrol 2 diesel. I've always kept a record of economy
Dihatsu Charade - 3 cylinder 999cc petrol. Av of 32 mpg but this was mostly around town and not driven with economy in mind.
Peugot 309 1300cc petrol. Average of 44 mpg, but this was mostly A-road driving and not so much town driving.
Have had 2 diesls.
Peugeot 309 ND no turbo or power steering. This averaged 50 mpg - combo of town and A-road driving
Now have Skoda Fabia 1898cc TDi. Av of 55mpg. again a combo of town and A road driving.
Given the higher cost diesel itself, of the car and of the servicing costs i think you have to do a lot of miles before you star to save!
Dihatsu Charade - 3 cylinder 999cc petrol. Av of 32 mpg but this was mostly around town and not driven with economy in mind.
Peugot 309 1300cc petrol. Average of 44 mpg, but this was mostly A-road driving and not so much town driving.
Have had 2 diesls.
Peugeot 309 ND no turbo or power steering. This averaged 50 mpg - combo of town and A-road driving
Now have Skoda Fabia 1898cc TDi. Av of 55mpg. again a combo of town and A road driving.
Given the higher cost diesel itself, of the car and of the servicing costs i think you have to do a lot of miles before you star to save!
