The 'I want it NOW!!' debt/savings thread

moneymabel

well done Jen!!!

Just working out my money for jan and ive decided to put back £15 a month each for car tax and insurance- i paid a year of both in advance when i got my mini last month so i'm going to save up this year so i can afford to pay for both again next November without a shock bill just before xmas!Hopefully that will be an over estimation so the excess can come off the debt or go towards xmas next year.

jenjade

That is a great idea mm. I was thinking about changing cars this year!! But dunno if i want to spend the money!

moneymabel

I just want to be ahead of myself not trying to scrape the money together at the end of the year-especially just before xmas!!

Cars are a big expense-is yours ok jen or have you had probs?

jenjade

it is ok buy it is a R reg Megane and it cost me £180 tax a year!! ouch

I was thinking of getting something smaller so hopefully i would save on petrol, tax, insurance etc over time!

moneymabel

know what you mean-my MINI tax is £210!! (trust me to want a car with high tax!) My 2000 w reg Micra 1.3 was about £120 a year. I think if its before March 2001 its cheaper?

jenjade

moneymabel wrote: »

know what you mean-my MINI tax is £210!! (trust me to want a car with high tax!) My 2000 w reg Micra 1.3 was about £120 a year. I think if its before March 2001 its cheaper?

Before March 2001?? i thought it was after a particular date? I though the new cars are more carbon netural therefore cheaper?

yukkibear

I thought new cars were cheaper on the tax too, and smaller engines etc

jenjade

Found this on the car tax website

The cost of vehicle tax for cars, motorcycles, light goods vehicles and trade licences

Tax classes include:

• private/light goods vehicles, motorcycles and tricycles
• cars registered on or after 1 March 2001 based on CO2 emissions and fuel type
• cars registered on or after 23 March 2006 based on CO2 emissions over 225g/km and fuel type
• light goods vehicles registered on or after 1 March 2001
• euro 4 light goods vehicles registered between 1 March 2003 and 31 December 2006
• trade licences

moneymabel

after 2001 it goes on carbon emmissions but my mini is high on those!

lilmissmup

Yukki i have just read on dooyoo that you have never stepped in a Lidl store! How is that possible I thought it was a law of MSE!