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How do you fund your fleet


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59 replies to this topic

#1 OFFLINE   Simonsays

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Posted 04 August 2018 - 03:15 PM

Forgive the personal nature of the question but I'm a nosey type.

The two cars that I've recently bought that would possibly count as shite have been bought with my loose change. Deposited into a piggy bank each evening and then fed into the coin-counter in the bank once a month. It mounts up surprisingly quickly in my otherwise unused savings account.

And saves me from wearing holes in my pockets from carrying coinage 'sorry mate, got no £10 notes'

I'm usually shit at saving money but this method seems to work well for me.

Also, no large withdrawals made from our joint account so has wifely approval too.

Which in my house is bloody important.
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#2 OFFLINE   They_all_do_that_sir

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Posted 04 August 2018 - 03:42 PM

With my job I do a few miles travelling every month. I claim that back at the usual 45p a mile, but put it to the side in a savings account....

Some months it's bugger all, some months it's a couple of hundred.....

Yes I've to pay out in petrol so its not 45p for nothing, but I tend to take the upfront cost on the chin and put the full cheque into savings

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#3 OFFLINE   Timewaster

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Posted 04 August 2018 - 04:06 PM

I have a mate who was adverse to carrying and spending change. I think he just liked to had over notes for some reason. He's no millionaire although he is doing alright.
We used to go to the pub and he would hand over a twenty every time it was his round whereas I was always scrabbling in my pockets for every bit of change like the tight wad I am.

Anyway, he would get home, dump all the change in a pot.

The day came when he was short of a few quid so he collected up all his stashed change.

There was three grand in pound coins alone!!
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#4 OFFLINE   AMC Rebel

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Posted 04 August 2018 - 04:14 PM

What bank has a coin counter?  They removed the ones from mine.  I reckon I have at least £100 lying round in change.


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#5 OFFLINE   Roverageous

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Posted 04 August 2018 - 04:18 PM

Got new job.

Payrise.

Worked stupid hours.

Sold myself down the river with my Regional Director with taking on project work / other workload that should be his.

Payrise.

Worked stupid hours.

Got the best set of results in the company.

Payrise.

I still don't earn a lot (retail), but it's enough to fund a few nice bits of shite :D

#6 OFFLINE   beko1987

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Posted 04 August 2018 - 04:19 PM

By running a very cheap car which hasn't gone wrong yet!
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#7 OFFLINE   Pillock

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Posted 04 August 2018 - 04:29 PM

What bank has a coin counter? They removed the ones from mine. I reckon I have at least £100 lying round in change.

As much as they'll moan, if you take a bag of change to your own bank and deposit it, they will accept it. Doesn't have to be bagged in £1 copper, £20 pound coins etc either although it helps them if it is and means you're not stood around ages.

#8 OFFLINE   Simonsays

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Posted 04 August 2018 - 05:20 PM

What bank has a coin counter? They removed the ones from mine. I reckon I have at least £100 lying round in change.


HSBC has 'em in bigger branchs
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Fiat Stilo
Nissan Almera
Nissan Qashqai
Suzuki Alto (juniors first car)
Ford Streetka
All gone but not forgotten.

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Renault clio (Juniors current car)
Volvo V40

#9 OFFLINE   purplebargeken

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Posted 04 August 2018 - 05:28 PM

Smoke and mirrors usually. By the skin of my teeth usually.


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#10 OFFLINE   Partridge

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Posted 04 August 2018 - 05:29 PM

My "funding" comes from me being able justify shite by having few other big expenses, other than general living costs. I don't take holidays, have new tech or go out clubbing and drink very little and don't smoke.

 

When I see how much money some people spend on crap like tattoos, vape machines, designer clothes and iPhones, a few hundred quid for something that you can drive and actually do actual things with, and cruicially, own, seems pretty harmless.


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#11 OFFLINE   chatsharris

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Posted 04 August 2018 - 05:55 PM

The 900 is the first car I've had that's in addition to a daily. I keep my daily cars through thick and thin, the £450 Civic I held onto for about five years and when I became single decided to get a slightly fancier car. The £450 replacement Saab 93 has been with me for four years now and it's ace. Looking after them means I don't get too many horrific bills, which means when I started living in the house, I could justify spending a couple of hundred on a project car. So far I've made good progress and the running total of parts is about £7.

#12 ONLINE   Aston Martin

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Posted 04 August 2018 - 05:55 PM

What bank has a coin counter? They removed the ones from mine. I reckon I have at least £100 lying round in change.


Tescos have a coinstar, they take 4 billion % commission. But saves messing about.
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#13 OFFLINE   sierraman

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Posted 04 August 2018 - 06:00 PM

I’ve registered as a charity and regularly hold fun runs and table top sales to fund all the bits to keep them going. MondeoAid.
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#14 ONLINE   Stanky

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Posted 04 August 2018 - 06:21 PM

I fix and sell lawnmowers to make pocket money, and diffuse arguments by pointing out that my hobby is actually surprisingly lucrative, and 90% of it has gone into the household kitty, while only 10% has gone on shite.


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#15 ONLINE   JoeyEunos

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Posted 04 August 2018 - 06:23 PM

Running chod allows mega savings.

 

Not paying £200 a month for a lease car saves £2400 per year,

 

Not paying £200 a month for Mrs Eunos saves another £2400 a year. There's £4800 saved already, ie more money for even more chod.

 

Also, when running elderly cars it makes sense to have a 'plan B' car to use if/when things go wrong, ergo the excuse for the third car ("You know it makes sense love" wink wink) 

 

It's a well thought out system and it works very well indeed.


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#16 OFFLINE   Bianconeri

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Posted 04 August 2018 - 06:30 PM

I have a mate who was adverse to carrying and spending change. I think he just liked to had over notes for some reason. He's no millionaire although he is doing alright.
We used to go to the pub and he would hand over a twenty every time it was his round whereas I was always scrabbling in my pockets for every bit of change like the tight wad I am.
Anyway, he would get home, dump all the change in a pot.
The day came when he was short of a few quid so he collected up all his stashed change.
There was three grand in pound coins alone!!


Back in the days when I was first travelling a lot for work I used to get a per diem allowance paid in cash in the local currency whenever I was on a customer’s site (most of the time in the early days). What I didn’t spend just got stuffed into a wallet in my bag. After six months I mentioned this to Mrs BN and later that day she exchanged about £5k in assorted foreign notes at the bank. I guess these days there would be all sorts of questions asked.

Not long after that my role changed for one with a much larger salary and ‘normal’ expenses. I’m sure we were much better off............
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#17 ONLINE   bramz7

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Posted 04 August 2018 - 06:32 PM

I don't fund my fleet very well, namely as it changes so often.

My commute is 5 miles. My insurance isn't paid monthly. My rent is reasonable without being extortionate.
I try to avoid buying broken stuff as a rule now. However I seem to go lax on said rule from time to time.

My only acceptable expense per month is my phone. I pay for my mums and mine, as a sort of apology for the gouging bills I used to give her when it was the other way round.
Regarding clothes and shoes, I NEVER buy cheap brands. I always buy middle of the road decent quality stuff, and it lasts. And generally always in the sales too. Or with those discount codes desperate companies email out.


And I don't drink booze.

buyer of impulse, seller of regret

 

Current fleet:

 

1995 BMW 518i 

1995 Rover 820Si.

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#18 OFFLINE   Kringle

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Posted 04 August 2018 - 06:45 PM

I just buy it now and think later. £25 jeans or road tax? Sew your socks up and save a fiver. It's worked just fine* for me in the past.
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The referendum is akin to going car hunting.
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#19 OFFLINE   theshadow

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Posted 04 August 2018 - 06:47 PM

less said the better 8) 8) 8) 8)


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#20 OFFLINE   fordperv

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Posted 04 August 2018 - 06:51 PM

Long and short it comes out of my wages, im lucky enough to be in a steady job that doesn't pay too hideously, the same goes with mrs fp, we have no children no finance on anything so after bills disposable income is good
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#21 ONLINE   DodgeRover

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Posted 04 August 2018 - 06:54 PM

What bank has a coin counter? They removed the ones from mine. I reckon I have at least £100 lying round in change.


Metro bank
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#22 ONLINE   DodgeRover

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Posted 04 August 2018 - 06:54 PM

Tescos have a coinstar, they take 4 billion % commission. But saves messing about.


Pour it all into the self service machine...
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#23 OFFLINE   HillmanImp

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Posted 04 August 2018 - 07:01 PM

Theres a young lad I know called Master Card who pays for all my shizzle.
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#24 OFFLINE   Jim Bell

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Posted 04 August 2018 - 07:46 PM

Crippling debt, looming bankruptcy for the second time around and scratchcards.

 

 

Still a cheaper hobby than Golf mind.


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#25 OFFLINE   MikeR

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Posted 04 August 2018 - 07:49 PM

one of our cars is in Disabled class ..........   that helps with the road tax ......


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#26 OFFLINE   Asimo

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Posted 04 August 2018 - 07:57 PM

Quantitative easing.
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#27 OFFLINE   egg

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Posted 04 August 2018 - 08:05 PM

By selling everything else in the house that isn't nailed down....

 

More seriously, by having no other expensive vices...


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#28 OFFLINE   vulgalour

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Posted 04 August 2018 - 08:05 PM

How much more personal do you want to get?

 

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#29 OFFLINE   Dick Longbridge

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Posted 04 August 2018 - 08:10 PM

I think the last twenty years of motoring would actually have been cheaper if I'd taken out AITCHPEE on a new bleurgh.
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#30 OFFLINE   Simonsays

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Posted 04 August 2018 - 08:10 PM

How much more personal do you want to get?
 
https://secure.i.telegraph.co.uk/multime...


He's not the Messiah!
Mk1 Ford Escort WFR921K
Rover 2200SC UUP473R
Seat Marbella
Nissan Micra K11
Nissan Micra K11
Skoda Felicia 1.3
Skoda Felicia 1.3 Estate
Fiat Stilo
Nissan Almera
Nissan Qashqai
Suzuki Alto (juniors first car)
Ford Streetka
All gone but not forgotten.

Nissan Note Cdi (commuting trolley)
Renault clio (Juniors current car)
Volvo V40




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