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In the absence of a flair system on lemmy yet, letβs try to make it easier to scan through posts by type in here by using tags:
I've never understood buying a car on credit. My car's 17 years old now. Bought it when it was 8 years old. Insurance is β¬390/yr.
I had no idea my insurance is so much. But it is a lot. If I think about it I'll get angry.
You can take defensive driving courses to lower it though.
It drives me crazy when i get spam that says they can save me money on my car insurance
O rly? How you gonna beat $0?
In Denmark it is required by law that you have a bare-minimum insurance (to cover if you damage someone or something else). Is this not required in your country?
I told one of these spam callers that my license has been legally revoked. It has been almost 15 years since I last got one of those calls. They used to be something that happened, at least, a few times per day.
βNo one cares about what car you driveβ has such Boomer energy to it, and itβs completely false.
Our 2nd car (ie. the one we use if my wife or I need to commute individually - suburban sprawl means we live in a public transportation desert), is a beat-up 15yo Hyundai hatchback.
We both love it because itβs economical, surprisingly reliable, cheap as anything to maintain, and we donβt particularly care if it gets dinged at a parking lot.
But the looks we get from our peers when we drive to our respective offices (we usually WFH), holy crap! Constantly having to explain ourselves is tiresome, and our line managers have both made off-handed comments sarcastically asking if weβre not being paid enough. π€¦π»ββοΈ
Thats really weird. Your coworkers are strange
You have a point, but you need to not care about some else's bullshit opinion. You don't need to explain yourself. Save your dough and you'll have money for whatever suits you down the road.
Paying cash for big items like cars isn't always the best idea, but less debt never hurts.
Memes circulating with this dude right now, even if positioning him as a chud, are a way to launder this dude as just a legit money guy. Sure, he has some basic, broad financial advice you can consider if you can see through all the Jesus and have no other options, but more than anything else, he's a vile human being.
Eat religious shit dave ramsey.
That's really exorbitant insurance. I don't know where he lives or what is situation is but $350 a month is insane.
I was unemployed for most of last year and let my insurance lapse. I'd be lucky if anyone would insure me for $350/month.
You can buy a very nice e-bike every year with that money.
I'd put money on a pretty messy driving history for the insurance to be that much.
Two cars (~$50k each), two adult drivers, one accident in the last 7 years, no tickets = $453/mo. Fuck California and the weak cunt Newsom that can't get these greedy fuckers under control.
I pay about $450 a month for my mini cargo van and another $80-ish for insurance. I also drive about 3,000 miles a month (my commute is long and I spend most weekends out of town helping my parents), so I average about 350 dollars a month in gas. Let's call it another 100 a month on average for maintenance (I do my own oil, the tires are pretty cheap, but there will be occasional large expenses).
So that comes out to pretty close to a thousand dollars a month total. That's a lot of money.
But by living in the middle of the country far from work, I can rent a trailer home that costs about $1500/month less than a tiny apartment close enough to work to walk or bike, and I have the freedom of owning a car and being able to go anywhere and haul anything I need.
So yeah, it's expensive, but it would be even more expensive NOT to have it.
If it works for you, great, but are you sure you declared your vehicle use on your insurance correctly? Seems like you may have said it's not a commuter vehicle
I have an impeccable driving record and only have liability abs gap on my car since it has so many miles it's basically worthless as far as the insurance company is concerned. If it were to be totaled they'd give me like 500 bucks if I carried full coverage.
The US sounds extremely expensive. In the EU 1500$ a month will pay for a very nice apartment close to work.
And they pay for terrible health insurance and health care
I work for a tiny city that's basically a private enclave for the ultra-rich in the middle of a major city.
Literally every household is millionaires or better, and we have a lot of citizens whose names you'd know.