ACCOUNTANT EXPLAINS: How to Avoid Overpaying for a Car
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- เผยแพร่เมื่อ 13 พ.ค. 2024
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In this video, I share 4 Must-knows before buying a car
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TIMESTAMPS:
00:00 Intro
00:42 New or Used?
02:12 Buying vs Finance vs Leasing
05:07 How to save on Insurance
06:38 Maintenance
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What do you use to edit your youtube videos? They are well made and well edited. Great content. Thanks.
There is a simple tip about depreciation. Don't ever sell your car. What's all this worry about "depreciation", I don't get it. Our family car laster 31 years. Our next car is also a sensible car which we never plan on selling. What's all that fuss about changing cars all the time? And why would I sell MY used car (which I know where its been and if it has been serviced well) to buy someone ELSE's used car (which is a "black box" to me). Either buy a new car if you are rich enough or don't and keep your good old car. If you cannot afford a new car, buy a used one and keep it for as long as possible. Simple as that.
Yes, that's pretty good advice. I also keep my cars for a long time and if you take care of them, they shouldn't have any problems.
You are right on keeping cars, BUT: If your car depreciates fast, it also means, that you could have waited a few years and could have bought the same car for way less. So you lost money, becouse you bought it at full price or before depreciation
@@fabcardx4036 > and could have bought the same car for way less
Oh, yeah I see you all out there buying VW Beetles for 200 dollars each. ;) Get practical please. Let's see a REAL example.
Three years ago a friend of mine bought a used car, a 2019 model so it was new-ish. It is a good family size SUV and he paid X amount of money because it was in top condition.
Last year I bought a new car. Same brand, the smaller model, but with all the improvements and nice stuff that came out since 2019 and I paid the same X amount of money.
Sure, he bought the car "cheaper" as you say compared with the price the car had in 2019, but with the SAME money, he could have bought a NEW one (smaller car, yes, but still a solid family car as well).
Even if we play by the "I wanna resell my car one day", I am still ahead, because his will be "a used 2019 car with one extra previous owner" on the market and mine will be "a 2023 car with no previous owners". Which has more value?
Also, smaller cars retain more value because they burn less fuel and are more suitable for inner city use (which is where most of the demand for used cars).
So, even on the used spectrum of things, buying new initially is still better :)
On waiting now:
What you are talking about is like the good old tech fallacy back in the nineties. A CD drive cost 100 dollars when it was emerging tech, it made sense to wait for it to become widely available. Now it costs 20 dollars, but DVD drives are out. Oh, boy, do I buy a CD drive or do I wait for the awesome DVD drives to get to 20 bucks?
DVD drives get to 20 bucks finally, but now BLURay is coming along and that drive is 100 bucks. And then BLURay is 20 bucks and suddenly all optical drives were obsolete because SSD came along.
In all this process you were waiting out and never bought any of those, so you didn't enjoy the positives of the tech at the time. And now you are not buying all that used stuff because they are obsolete.
Waiting is a double edged sword. Sometimes it pans out, sometimes you miss out on good opportunities.
Have a nice day!
I tried to buy used Toyota rav 4, 3 years old, at all Toyota dealers in MN…. It was only 20% less the new ones!!!!
So I bought a brand new one and I have been driving it for 11 years, and many to come.
Thanks, I wished someone said this. This concept alone will make our choice of car different, than the one you were actually going for, (with the assumption you'd use it for 4 to 5 years max)
I have an SUV that's around 30 years old and now not road-legal and a motorcycle I used for 18 years. I was looking for a new car and maybe I should think of using beyond 2035 instead of 2029. I'd choose one that makes sense even then, and maybe something I can handle even at an old age
Thank you for these videos Noma! They really keep us motivated. Wishing you love and light with whatever personal matters you’re dealing with ❤️
I remember you were on 200K sub and your videos were great, very informative now close to 1M. You got even Better. Keep up the great work 1M sub very soon.
Loved the video! It’s eye-opening to see how easily one can end up overpaying for a car without the right knowledge. Your breakdown on the accountant’s perspective really shines a light on the importance of doing our homework before making such a big purchase. It got me thinking about how essential negotiation skills and understanding financing options are in avoiding those common pitfalls. I’ve been exploring ways to better prepare for big financial decisions, finding that a bit of research and patience can save a ton of money in the long run. Thanks for sharing those super helpful tips!🥰
Great video, I purchase used, and I'm completely happy with that choice, I find the biggest driver is to do your research on a quality vehicle, talk to your mechanic, they will tell you which vehicles are in all the time for servicing and why. I'm not saying that used is always the best option it depends on your needs, lifestyle, and ultimately whats important to you. For me at this stage of my life used has been great and other than preventive maintenance I have gotten my moneys worth from my car everytime, when it was time to change I was able to choose another car pay for it and move on and get many years of use. And your so right about insurance, I am constantly shopping for new car insurance since there is no loyalty from companies I find I save more money by shopping around. Thank you for another great video.
Buy japanese, Toyota or Honda get my vote, yes they haven't got the image of a BMW or Mercedes but they will be much more reliable and cheaper to repair
Exactly what I was thinking 😊. I missed the choice of car brand! I usually buy a second hand Toyota or Lexus. Almost no repairs. Just normal maintenance. Now I have owned BMW, Volvo etc and these almost always had extra repairs every year.
Toyota is boss. You don't have to buy the new one. Secondhand Toyota is best buy
I always choose Lexus, the best buy, truly✌️
@@danielchripko5204 Love my GS450h 😀
Agree! I bought a 4 year old, low mileage, one owner Lexus RX350 in the US. Traded-in a high maintenance car, then paid cash for the balance. I'll probably keep it until it dies. Lexus / Toyota are one in the same. My Lexus is now 8+ years old and still very much like new. NO regrets...
I have car tips too:
1: car price - comparable to your emergency funds. I can by next one in a day or weeks if current one dies.
1.5: get popular car where you can find and buy aftermarket parts in £/bucket.
2: do not miss servicing, do not save on oils and filters changes. I have seen lush cars dying within a couple years.
3: To have 2 local garages. One with dealership certifications for MOTs and original parts, other for servicing and aftermarket parts.
3.5: make sure you trust the garage(s), no point to give car to garage you feel it rips off or cheats on jobs done.
insurance: make sure you have someone with you who talks "insurancy" or "banky". I have seen smily, nice people who got insurance with £3k/y premium for plain regular family car, because smiling and saying "yes" to every add-on insurer mentions does not do the business.
Hello, great advice. How does one find a dealership-certified local garage.. does the dealership provide this info, or do you search online for local garage (what is the search tag)? Cheers!
@@Shakashack2022 I have "picky" relatives, as soon as they find something of good value/quality - I go there too. So, good local garage gets whole family :D
Garage, we used for servicing, just upgraded to "automakers-certified". Business went well, so they invested in training and certificates. Obviously, you can not ask them to use 2nd-hand or aftermarket parts, that's where 2nd garage comes in :)
What an excellent channel - Bravo Nischa for doing the right thing, and wonderful to see your success. Hugs from Melbourne.
This has been SO clear and helpful. Thank you so much and consider me subscribed!
Fantastic and practical advice, as always. Thanks Nischa!
Your suggestions are always great thanks 🙏
Love your English and the analytical power!
The way you talk is simply awesome. Great work 😊
Nischa can you make a video on repaying student loans early & whether it makes sense to do so?
Yes, this would be an interesting one.
Why would you not pay for them? School isn't free and you signed for it.
@@bodybongThey are not talking about not paying their student loans but whether paying more than the monthly payment makes sense to try to pay it early. Some loan companies will apply any over payment to interest first unless you specify to apply to principal. It's good to find out this info rather than paying extra, thinking you are paying down the principal and saving on interest when that may not be the case.
@@viiiiivi Not free in the UK but it does not make sense to pay them back early. The payments are more like additional tax for the 30 after course end date. Think it's USA which has the big issues with student loans.
@@bodybongthink you're misunderstanding the question. I think they're asking whether to pay off sooner or invest. Students loans gets taken out of pay in uk and only after earning a certain amount. Also gets written off after 30 years I believe? Some people daily never earn enough to pay them off in 30 years
Always useful content and discussion Nischa. Always a highlight for me.
Just subscribed, keep up
The good work. Love you videos very informative
I studied economics and I absolutely agree, the sequence of circumstances led me to work in a cemetery for a while and from that moment on I don't plan for the future because there is no guarantee that we will wake up tomorrow. Since then, I enjoy life and do not calculate too much because no one took money to the grave. I know I'll lose money somewhere, but I'm not sorry.
So true! Nicely said Nischa! Useful advice. Vroom vroom. 🚗
It’s heart vs head choice. You live once and the amount of joy you get driving and owning a new car is unparalleled. If I keep a new car for 10 years versus buying an old car and keeping it for 5 years. Those 10 years of my life are never going to come back. I will never be that young again
Not only am i subscribed, i"m in love.
Keep up the good work 👍🏻
I'm in Canada and while things maybe different elsewhere, the thought of buying new is crazy to me. I drive a 2010 car and yes I've put money into it for repairs, but that money is less than what I would have lost in buying/leasing a new car. I bought at 132K Km in 2016 and am at 330k Km now, and plan to get at least 500km out of this car. I do proactive maintenance and don't care if it shows it's age, it gets me to where I need to go. Buy used/older car... it's always been the better choice!
It depends. You can buy brand new and keep it for 300 400k and it's still worth it.
I have seen channels where 3% of watchers are subscribed. I would say, you have relatively pretty outstanding results.
As always useful and relevant tips👍
Subscribed! Great content!
Yes ! The fact that.people overlook their auto insurance is amazing . Makes a world of difference. Car not can go from 200 $ to a 424$ monthly quickly after insurance.
Great video. I have a lease and I did the pcp as you call it. I will be buying it out when the lease ends in nov at the preset amount in the contract. 😊
U did a video a year ago explaining hp,lease,pcp . Very informative.
Always luv your videos
Buying a good used car that you check out thoroughly for cash not financed is the only way to go!!
Hello, do you mean paying the full cost out of your own money?
No one has money for that! Have you researched the average salary in the US? I traded in my 11 year old car (needed serious work and no one could do it) for a 3 year old CPO. My 11 year old car with 106k miles is going for 11k. That is not a reasonable amount of money for someone to pay in cash for the average person. Most people don’t have $500 in savings in the US. My 3 year old Certified Pre-Owned was $25,500. I guess I was supposed to have that to pay in cash?? WTH??
You are giving away all my secrets hacks ... don't know whether to love or hate you? Thanks for sharing - keep it up.
Nischa, this is a great informative video. I am really pleased you mentioned the DIY root, you are the first channel of your kind i've seen, not to dismiss this option. As for Dealership mechanics vs garage mechanics, its not necessarily true that main dealers are the best. They often only have to deal with cars 0-3 years old and as such have little experience diagnosing more complex faults. Our local Honda dealership let one of there "specialists" at my mums 1 year old Jazz, he had emptied the cooling system and forgot to refill it at the end of the service 😮. They tried to charge her £3000 for a new clutch, local independant mechanic charged £600. Staggering.
I hope the clutch lasted more than a year! Seriously though, I'm astonished that anyone uses a main dealer once their new car is out of warranty.
Hi Nischa - thank you for the great content. Would you considering creating a video comparing the costs of buying and running a fully electric vs petrol car? Thanks
Thank you for sharing!
Excellent analysis thanks
Road tax can be quite hefty as well depending on the price and emissions of the car.
Wish you lived in Australia!! Love your content.
Totally trivial - I love how she says 'repairs'. 🙃
Stay within your planed budget, very easy to get caught up in the buying process. REMEMBER what Nischa tells us all,what we do now will for sure effect our future self finances. Thanks once again for your sharing your knowledge 💐
Well, this is timely 👍
Hey Nischa! I’m in Canada and following. I really love your content, and I keep noticing that following data you share. If you are open to feedback, I wonder if it has to do with how your videos are presented. I typically will not watch or subscribe to videos that just have someone talking to the camera - so it says a lot about how good you are because I learn so much I am subscribed! But, I wonder in what ways you could vary or play with the visuals to help be more visually engaging? If I’m sitting down to watch TH-cam, I am looking for that visual stimulation. This could be just me, and I apologize if I’ve overstepped in any way. I know you said vlogging wasn’t for you, but honestly that video with the variety was hands down my favourite one you have made. Thank you for all of the work you do to share!
can you make a video on the best options for a cheaper payment after leasing a car and you want to buy it?
Thank you for your videos. Really informative and practical with UK life.
I have question, should we completely buy car through limited company and pay the total lum sum after the pcp period finish.
Used but good condition cars are the way to go. I've bought two cars in my life (cash) and don’t regret it. I'm not fussed about the added extras but more focused on reliability, running costs, tax,insurance and space in the boot). If your taste is more in line with the aesthetic then be prepared to pay. I would rather have a modest car and be dept free, invest in my index funds with the spare cash and still afford to put my heating on at home in the winter
If you buy a brand new car and service through authorised dealership, on part exchange even in different place you will get paid more for your car. They will always ask where did you service your car. Yes, local garages will be cheaper but on 50K part exchange I usually get £2,000-£3,000 more if have a full service history with authorised dealerships. So with newer more expensive cars works better.
Hi Nischa, I love your channel! Could you do a video on setting up 401K, savings & investments for when you're self-employed and/or have an erratic income?
My strategy is to buy new. I budget one year net income and pay in full. TCO is acceptable when driving the car for 8 to 10 years. I safe a monthly rate to an ETF on worldwide stocks and when i need a new car withdrawl from this the required amount.
A lease in the US is like your PCP plan. You lease the vehicle and at the end either toss the keys at the dealer, or chose the buyout option.
Nisha please can we get a video about utilising connections with those around you.
I subscribed hope it helps and keep up the great work 🎉
Excellent channel and good tips, my thoughts.
Buy a three year old car with low mileage, full service history and go for Toyota or Lexus as they give you a 10 year warranty if you service it annually with them, that is a big saving if things go wrong.
Needed a head light unit replacing on a 5 year old Toyota and a lexus as leds went/ condensation, cost about £1600 to do but was free due to warranty.
Just traded in my old car for a 2020 toyota with 9,000 mils on it, it was 10 k saving on new price, as it has warranty till 2030 i regarded it as new with a big saving .
Spot on.
It’s not a saving- the car is worth less due to age and mileage
I bought car in 2018. Ford fiesta 2015 with 18k miles and 1 month manufacture garuantee. I paid at once 7k pounds and still my car worth about 5k - 5.5k. in those 5 years i spend on maintenance no more than 500 pounds. I am very happy with my decision i made 5years ago. But to make that decision i was reading forums about cars. started to understand what is cheap and expensive car is and everyday was looking for deals. it took more than one month To buy a car, cause i also trying to speak as much as i can with a seller and see how open he is. if he is open about his life and you can feel positive vibe from him i do trust more him. So if i like a c ar what i see and i like a person vibe i do buy a car. Thats my life rule and everytime what ever i buy i end up being happy.
I was surprised you didn’t bring up electric cars My Nissan Leaf has very few things to maintain and I pay $21 US a month to drive. This is charging at home. Thanks for your videos.
Electric cars are overpriced when buying and worth nothing after 5 years and are loaded by insurance companies and are the dearest form of transport for low mileage drivers. Don't buy under any circumstances.
I remember looking at buying a new car on PCP a few years ago and noted that the interest they charged was on the full price of the car less the initial deposit, not just the depreciation cost for the 3 year contract period. So a £40k card with a £10k deposit would see you pay interest on £30k even if you hand it back after 3 years.
Nischa can you do a video on whether it’s worth remortgaging an unencumbered property? ❤
Nischa, very good video as always. Just one suggestion to change from your video- when leasing a car, never make a down payment. Thank you!
I'll need a car soon. Thanks for this.
Can you make a short length video on how money printing and circulation works?
I make about 3500€ per month and I use 2006 Mitsubishi Colt which I bought for 1300€ 1.5 years ago. So far it still runs good. Only thing I’ve done regular oil and filter changes. Also it consumes fuel like a new car around 5.5/6l per 100km. Or 45-50mpg. It is so much car for such a small and cheap car. I did invest all of my money to stocks. Who knows maybe I can easily afford a mercedes or Lexus in 10 years.
My tip is buy a used Japanese car in good shape with good seevice history, and never look back. It will serve you at least one decade. And it will be more reliable than brand new German and French cars.
You have a smart mind.
I watched your video and enjoyed it and gave a like. I noticed you mentioned that over 70% are not subscribing. I wanted to…but don’t see the option, so that could be the reason why. Like others videos in order to help you, I would recommend you put the subscribe option close to the like option and you will find that your subscription rate will increase dramatically. 😊
Ex demonstrators are usually a good bet, usually get a good deal and it drives sweet because that's the one they use to get us all to buy or lease
Would you make a video on understanding a Profit and Loss sheet?
IMO main dealer servicing is horrendously expensive and no better than a non franchised garage.
Again IMO a new car is only important if you're image conscious.
A good well maintained older car costs a fraction and, in my many years of experience, is just as reliable as a newer one until major components begin to wear out. Then scrap it and repeat.
Thanks for your videos; they're always worth watching.
And subscribe everyone!
Gorgeous and brilliant. Wow.
got a 6k Toyota banga its great :) , dont have to care about it getting dents or scratched it still looks decent (2006 camry)
Hey Nischa, on Mike Thurston’s podcast you talked about owning social housing that gives you a guaranteed income from the Council. Could you talk more about this investment option? Thanks
Hey! Sure - can go into in more detail in a future property video (it's dependent on the Council and there are quite a few requirements to meet). Found an example of one for Ealing in the meantime: www.ealing.gov.uk/info/201086/housing_and_council_tax/2299/renting_your_property
@@nischa Hey Nischa, thanks for taking the time to reply. I think it will make for an interesting video where you talk about how it works, your experience and pros and cons. Of course, experience will vary depending on the Council. Have a great Sunday!
I like to buy a second hand car as I can better spec at lower cost
Even though I usually enjoy your videos. This video really didn’t say which is better. Mainly just what options you have
sorry I forgot to subscribe🤣 Ive been watching you almost a year
Just some advice from me who always buys cars 15 years old and over 100k miles on them...
A new car still needs servicing every year and eventually you'll need to replace consumables like suspension, breaks, tyres and cam belt anyway so save yourself some money and buy used(it's better for the environment too because a lot of energy goes into building new cars)
I always just search for reliable engines and then just buy the newest used car I like with that engine within my budget.
For used cars look for service history, make sure advisories are getting fixed on the MOT history, buy one that has had the cam belt/timing chain and water pump replaced. If they are running on cheap tyres it's likely the minimum has been spent maintaining the car and its like to become a money pit.
Video explains different methods of buying a car and types of leasing option but it doesn't tell how to avoid overpaying as the title suggests
Hey Nischa, approx. when will enrollment reopen for your money simplified course?
Right! Can like you please come to South africa to host a conference especially to help youth and young people about finance?
I’m in this predicament at the moment. I left the U.K. and chose a minimal existence. I don’t want ‘things’. I sold my last car when I left. I don’t actually want to buy a car. I’m renting one at the moment for €300 p/month and have been doing for about 18 months now and it’s getting to the point where it doesn’t make financial sense... but I don’t want to actually own a car!
im subbed thanks
As an x car salesman, and with Ref to PCP, by the time the contract expires and you decide not to pay the outstanding balance, You have actually paid the interest on that balance. And the Car dealership gets a bonus from the finance company at the end of the quarter on the number of PCP deals they have sold.
Nischa your advice on financial issues is brilliant, can't beat Indians in the numbers game!
This is a good breakdown of the costs. However, I cannot stress enough that you need to factor in how much inflation is affecting maintenance costs. It is INSANE what mechanics charge now compared to just a few years ago. It's all very daunting and I've spent over $10k maintaining an older vehicle when I probably should've cut my losses. But when even 5 year old cars are $20k+ (I live in a climate with 9 mo.s of winter so a Honda civic just doesn't cut it), it gives you pause before you make the leap. I really don't know what the right answer is if you don't have money to outright buy a new/different vehicle. It causes me so much stress. :(
How would having a government pension change your investment calculations? How should teachers and other state employees on these plans invest their money for maximum wealth?
I live in Hungary and due to the infaltion and the €/HUF rate my 3 years old car cost more used then i bought it as new. I bought it with finance with low interest rate and I can use rest of the money to invest it. Also the inflation was so high diring this years and the interst rate is fix so the mountly payment is less demanding and the rest of the money was inversted above inflation rate. Yes, on paper looks like it cost more like this but in reality not.
I always take into account fuel running costs
In the book 'The Millionaire Next Door" it talks about valuing the price of a new vehicle not by the overall cost but by the pound. Divide the cost by the weight of the vehicle and see if you think it's worth it, then compare other makes and models to get an overall view of the cost per pound. Just another way of valuing and comparing vehicle prices.
That makes no sense at all. Would you apply that logic to buying a phone, laptop or shoes? In fact a lightweight vehicle should be better on fuel, in some countries lower registration and be better engineered. Heavy vehicles are the result of lazy manufacturers and legislators.
I'm just making a reference from the book 'The Millionaire Next Door' and how they compared prices of various makes and models. Weight was just one factor, other factors where performance, overall price, and of course customer satisfaction surveys. @@gregf4170
You'll save money if the car is a good fit so you can keep it a long time. You'll save money by driving smoothly and greatly reducing wear and tear. Regular maintenance intervals of course and try different shops. Pick a reliable model that doesn't depreciate quickly or is already deprecated..
thank you :)
Buy a 2 years old used Tesla EV and hold for 10 years for daily usage you will save tons on maintenance. After 8 years of warranty if something happens to the battery pack then get solid state batteries about $10000 which can last another 120,000 miles easily but Solid state battery can go up to 1 millions miles
Haha love it how the people not subscribed is given as a percentage!
My experience if you can afford it, is to buy a four year old car with low mileage and full service history and just keep it well maintained. Keep it for as long as you can (starts getting unreliable)
You can see from my channel that everyday servicing is quite achievable by the average person with some tools.
Oh and if you need finance get a bank loan not car finance. Then the car can be sold, but hp you cannot sell the car whilst finance is outstanding 👍
I bought a 3 years old car from a main dealership and paid for a 3 years extended warranty. It’s cover any repair up to the value of the car.
thanks.
If you use DIY, you need to make sure that you keep the receipts so that if there's a warranty issue to arise, you can show that you did the oil changes by providing the receipts and documentation within the book in the USA. They call it right to repair so if they try the fight you and you can document and you have it documented. You have a better standing against them if it should escalate further.
The amount of people that don't realize this in the US is just astounding and then they pay like $300 for an oil change when they could do it themselves and just keep the documentation
Personally I shell apreciate to have charts to complete the story. Otherwise it looks like preseting a new phone without images and written specifications, just I story about using it. Hope it will help! :)
not me, looking for a "new" truck from 2017 to replace my truck from 1997 with 350k miles on it. the cost of DIY repair in parts alone has been equivalent of an $730/mo car payment over 3 years.
I want to become an accountant at some point and have been studying with books and TH-cam courses but don’t really know where to go from there. Is there any advice you can give me please?
what about the extended warranties ? Are they worth it?
One thing that is never mentioned by experts. Whether you Finance, Lease or PCP, your bank interest charges are still based on the full negotiated price of the vehicle, included fees and taxes. Both Lease and PCP rates are normally a little to much higher than pure Finance rates.
Car depreciation is on a curve the first 3 years you loose approx 50 percent of the value later in the cars life you dont loose as much but your maintenance costs are higher i think the best time to buy a car is in the section on the curve
To be honest Kenny and Mark on a podcast together would be fire.
I just saw you, just subscribed
Everyone over paid for cars last 3 years