I've just started work - What car should I buy?
I have recently started working and I earn about R10,800 after deductions. I have also just got my driver’s licence.
I am interested in buying the new Volkswagen Polo 1.4 and would like some information on how much I will pay a month. – Andries N
Without knowing your other monthly expenses, I would suggest you work out your monthly budget first and don’t forget things like vehicle insurance and fuel.
It is more than likely that you will be penalised financially by your insurance company because you only recently obtained your driver’s licence. This marks you as a higher risk client and either your insurance premium will be higher or you will be liable for a larger excess in the event of a claim.
If you choose the all-new VW Polo 1.4i you will be looking at between R3000 and R3600 a month in instalments – assuming you put down a decent deposit.
My advice to you is to rather go for the Polo Vivo – essentially the previous generation Polo – and you will pay considerably less than on a three-door or five-door Polo hatchback. I’m talking of a price difference of up to R1000 a month in instalments for the equivalent-sized motor. It’s still a decent car and given your relative inexperience behind the wheel, you might want to travel in the older Polo first before working your way up to the big boys.
I have a 2.7l Hilux bakkie which I use for my small quarry business. It is serviced regularly but it is still heavy on fuel consumption. What can I do? – N Sithole
Dear N Sithole,
Fuel consumption in any car is always going to be dictated by your use of the vehicle and your driving style. If you are using it in your quarry business, I’m assuming it is carrying heavy loads constantly. This is going to affect consumption as well as increase the wear and tear on your vehicle. If you drive without care and redline the rev counter before changing gears and brake at the last possible second you will also increase consumption.
With petrol prices due to be increased further after the finance minister’s budget announcement of added levies, I suggest you change your driving style, reduce the loads you carry and perhaps change your fuel choice. Try BP Ultimate fuel as it has been independently tested by the AA and found to be better for your engine than other fuels, even to the point of giving you more kilometres per tank.
IS THIS A GOOD BUY?
Can you please tell me more about the Nissan Pathfinder? Is it a good car? Petrol or diesel? I’ve never driven a diesel car before and I am a bit sceptical?
The one I am considering is a 2005 Pathfinder 4.0 V6 petrol automatic with mileage of 97700km, that has a front CD player and central locking for R199950.
Would this be a good buy, considering its age and mileage? - Regards – Ernst
The Pathfinder is a fantastic car, underrated and extremely competent on and off-road.
I have taken one of the more recent model Pathfinders out on the trail and it really was such a pleasure. Its 4x4 system is easy to engage and used on off-road courses and the ride is very cushy and comfortable.
You could probably get into a brand new Nissan Pathfinder from Mark White Nissan in Fourways simply by putting down a deposit of about R25000 and then paying fixed instalments of about R8500 a month for three years. This is part of a guaranteed buy-back and you might be restricted in terms of the overall mileage that you do during this time period.
If you stick with your used car choice, make sure the vehicle has a full service history and take it for an AA test to determine its overall condition.
BAKKIE OF CHOICE:
My father is thinking of buying a double cab bakkie with some of his retirement money. He likes the new Toyota Hilux bakkie and it will probably be his choice.
What are the advantages and disadvantages (if any) of buying a car for cash? – TK Mabale
A car is not an investment and in fact the moment your dad drives his new Hilux off the showroom floor it will have depreciated in value almost immediately.
The positive thing about a cash purchase is that your dad has bargaining power as well as the choice of a quick deal. He’ll save on finance charges and interest over the next five years if he makes a cash purchase.
What he should do, however, is negotiate strenuously with the dealer. He could ask for as much as an eight percent discount with some additional accessories thrown in for good measure.
He might want to look at a full maintenance plan if the bakkie of his choice comes with only a service plan.
Other bakkies worth looking at would be the Mitsubishi Triton and the new Ford Ranger.