Mizmir's determined to get there diary

mizmir

And a quick list - as I haven't had one for a while:

• dog training
• washing
• gather stuff together for Dublin - check in online etc.
• mow lawn
• clean up kitchen
• fill radiator on car!
• get some ebay stuff listed to go up when I get back
• start the next bookie

taxi73

I'm right in the fact that you are going to be self -employed aren't you?...in that case buy a vehicle suitable for the dogs as you can claim the costs back (if you bought it specifically for the business) even if it is a few months before you start as it's a setting up cost....the small business advice link may be able to give you advice...just a thought.
I'm not sure of the exact details but I have read it somewhere.It may even have been in the tax section on here and maybe in the bits that are above it written by an accountant....a lot of people use business link or similar when setting up a business ..or do you know anyone that's an accountant....got to be worth investigating at least...
As for if you need another car only you know the answer to that one but that's all I can think of at the moment.Will see what I can come up with idea wise but my head is a bit crap at the moment.

mizmir

taxi73 wrote: »

I'm right in the fact that you are going to be self -employed aren't you?...in that case buy a vehicle suitable for the dogs as you can claim the costs back (if you bought it specifically for the business) even if it is a few months before you start as it's a setting up cost....the small business advice link may be able to give you advice...just a thought.
I'm not sure of the exact details but I have read it somewhere.It may even have been in the tax section on here and maybe in the bits that are above it written by an accountant....a lot of people use business link or similar when setting up a business ..or do you know anyone that's an accountant....got to be worth investigating at least...
As for if you need another car only you know the answer to that one but that's all I can think of at the moment.Will see what I can come up with idea wise but my head is a bit crap at the moment.

Thanks Taxi - yes am already registered self employed so could certainly claim some of it as a capital expense. I think in the past I have put 20% which would be about right if I am one day a week (though if you take a 7 day week I am technically 3 days a week so perhaps could up that a bit). Have been looking at some online - only problem with them is knowing if you are going to end up with problems again (unless new) it is always a bit touch and go. Renault seem to have stopped making their 4x4 kangoo but there are second hand ones out there. Will keep thinking - can't do anything suddenly!

pania

Hey Mizmir. got the pm thanks hon! will investigate but have a few bits in mind!!!

Re the car. Just been in the same situation myself and i think there comes a point when you have to draw the line between throwing good money after bad on repairs or bite the scarey bullet on getting a new one. I think a new car although a bigger outlay initially would certainly be worth it, how about a second hand older 4x4 like a toyota rav4 or similar. think you can pick them up for a couple of k which wouldn't put a massive dent in the debt repayments.
my car would've cost £500+ to get back to a reasonable standard for a car that was worth £300 it was purely uneconomical. Leaving the repairs is not an option so i think you could fully justify the purchase of a new car, on a safety element if nowt else. if it is a bewr car then you have already the problems will be fewer and farther between and chances are much cheaper to repair and get parts for.

Hope you have a good rest of your day
P
xxx

elantan

sorry miz have been busy and avoiding some people lol ...normal service will resume soon (i hope) probably when hubby goes back to work ..hope you are well and everyone else will need to catch up on all the diaries am missing them (i'm mainly lurking at the moment still on 6 or 7 hours a day yikes)

taxi73

If you could afford a brand new one(on finance) I would go down that route as you will have next to no bills for up to 3 years depending on mileage as with secondhand you don't know how they've been driven...and you will be claiming it back anyway...

hypno06

We are moving from 2 cars to one and a motorbike. I am sure that there will be some days when we think we should have kept both cars, but the finances say it is simply not a luxury we can currently afford - so a little bit of inconvenience occasionally will be worth it.

As for the prospect of increasing debt - you may find that with the credit crunch, the new car market is one that is struggling, so you may even find it easier to get a good deal either on 0% or as a "cash" purchase having borrowed the money elsewhere.

mizmir

taxi73 wrote: »

If you could afford a brand new one(on finance) I would go down that route as you will have next to no bills for up to 3 years depending on mileage as with secondhand you don't know how they've been driven...and you will be claiming it back anyway...

Now there's a thought as would've paid off debts by then - including anything on a car. Trouble is they don't seem to do the 4x4 Kangoo any more - does anyone know any 4x4 estates that aren't 4x4s if you see what I mean - don't want an enormous great landrovery thing - just something with the head room and boot space for the dogs and the 4x4 option when on the fields. Wonder if any of the smaller van styles do a 4x4? Or a cheaper estate type (Skoda, Kia, Seat? - am really not into street cred where cars are concerned - just want a good value one that suits the needs).

mizmir

hypno06 wrote: »

We are moving from 2 cars to one and a motorbike. I am sure that there will be some days when we think we should have kept both cars, but the finances say it is simply not a luxury we can currently afford - so a little bit of inconvenience occasionally will be worth it.

As for the prospect of increasing debt - you may find that with the credit crunch, the new car market is one that is struggling, so you may even find it easier to get a good deal either on 0% or as a "cash" purchase having borrowed the money elsewhere.

I agree - I think that even if we had to hire a car for the odd weekend or get a few taxis here and there it wouldn't be as much as the running costs on a second car.

Now on 0% we could do something!

elantan

you seen the proces of skodas recently shocking i tell you ....how did training go today?