I'm conflicted as to whether to buy an MK2?!

[barrym381]

having been in this position myself id say weigh up your options.

you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.

I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.

when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...

so my advice is if you can afford to have a life then go for it...

What did you did for a job at 17?

I could go easily afford the lease or even finance on a Golf R but am desperately saving for a property.

Sometimes I think why don't I just be young and get one then I think nah a £2000 Clio will have more fun as not worrying about it.

a clio more fun than a golf r  really

I'm trying to convince myself.

try driving both then say that 

[Bellend]

No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.

[CM690]

Why don't you get a lower CC MK2? They did a 1.3 right? I know it's not a GTI but it's still a mk2!

[clancy]

Have you asked your boss about business insurance ? At 17 I had a 200 bhp clio and it cost £300 on business insurance.

Granted you don't build no claims but your age will bring your premiums down. At 19 I had a golf gti and it was about £600 to insure. I'm now 21 and almost every car is under £500 to insure and I only have 2 years ncb

I would not pay 4k on insurance though, if getting your own policy is only option then get something cheaper else you will regret it. Bare in mind if your paying monthly and lost your job you still have a 4k insurance bill to pay

[barrym381]

No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.

this is why your called bellend 

[Bellend]

No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.

this is why your called bellend 

[barrym381]

No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.

this is why your called bellend 

this is what you really meant 

[Bellend]

No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.

this is why your called bellend 

this is what you really meant 

Nope, when signing up I typed my name in, that's why I am called Bellend.

[kittie]

Have you asked your boss about business insurance ? At 17 I had a 200 bhp clio and it cost £300 on business insurance.

Granted you don't build no claims but your age will bring your premiums down. At 19 I had a golf gti and it was about £600 to insure. I'm now 21 and almost every car is under £500 to insure and I only have 2 years ncb

I would not pay 4k on insurance though, if getting your own policy is only option then get something cheaper else you will regret it. Bare in mind if your paying monthly and lost your job you still have a 4k insurance bill to pay

A lot of the cost depends on other factors such as where you live, it won't be the same for everyone. I had to build more like 6 years NCB to get below £500!

Financial commitments are worth thinking about for sure - what would happen if you or your partner lost your job, could you cope if you suddenly needed to do repairs at home etc. Also don't forget that your financial commitments may affect your ability to take out a mortgage in the future.

I know what it's like to be trapped in to finance and suddenly find you can no way afford it (my other half had a new car and was unexpectedly made redundant in the worst possible way), and it is not bloody pleasant I can tell you. We're still recovering three years down the line. I would urge anyone to think extremely long and hard before making any sort of financial commitments, you really don't know what's around the corner.

[Gti_Jamo]

My first car was a 20 year old Mk1 Golf C 1.3, i just made it look, and drove it, like a gti. Remember being 17 adds 50bhp to whatever your driving.