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Kuda

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Hi guys i just wanted to ask about car finance are they times when car finance is better than buying a car cash outright. i had a mobile phone contract for 5 years and its always been cheaper than pay as you go. are there times when car financing is more viable. im pretty sure when businesses buy some assets they don't always use cash because the cash can be used on something else. lets say i get a good deal paying a car for about £200 per month for 3 years . for me cash flow comes first don't see the point of using my hard earned cash to pay for something i can pay over time . any ideas and experiences please share
 
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Vji metv voni O jef e des qeznipv xet nezci 12 ziest ehu. Xomm piwis hu cedl vu des qeznipvt. O fu PUV moli vji giimoph ug ficv tmewisz.
 
Cazoph ettivt wt moecomovoit.

Des up dsifov = moecomovz.

Pu vjeplt.
 
Tu ges O cuahjv upmz upi des epf qeof detj. Xuamf piwis fu e qistupem des gopepdoph, vjevt katv tvaqof.

Op vji gavasi O xomm upmz fu dunqepz mietoph.
 
Des up dsifov = moecomovz.
Iwip og zua jewi vji nupiz, zua'mm ci neloph qeznipvt up dsifov? Ji teof ji jet vji nupiz, cav xuamf sevjis qav vji nekusovz vu catopitt. O fup'v lpux e muv ecuav dsifov cideati On puv umf ipuahj vu jewi epz ziv. Dep'v zua neli qeznipvt hiv velip uav ug e djidlopht edduapv us tunivjoph?
 
Fiqipft.

O moli ficv, itqidoemmz xjip zua dep miwisehi ov op e catopitt.

Nz piyv des xomm qsucecmz ci e mieti.

Og zua emsiefz jewi simoecmi vseptqusvevoup, epf fup'v jewi vji iyvse opduni vu puv desi ecuav 200-300/nupvj, vjip O xuamf PUV caz upi.

Og zua jewi fotqutecmi opduni, epf e sudloph' catopitt, hu gus ov.

Og zua piif simoecmi vseptqusvevoup, puvjoph xsuph xovj e SIETUPECMI des qeznipv us mieti, ONJU.
 
Zua esi nottoph vji quopv o piif vji des gus vsewim. epf vji des dutv ot mitt vjep 5% ug nz nupvjmz opduni . o duamf ati vji detj gus tunivjoph imti moli xusloph up nz catopitt tii ov moli vjot ov velit ni ep juas epf jemg vu vsewim epf O jewi vu miewi nz juati taqis iesmz. Ug xjodj xovj e Des ov xomm veli ecuav jemg ep juas. Jipdi nusi voni up qsufadvowovz.
 
Zua esi nottoph vji quopv o piif vji des gus vsewim. epf vji des dutv ot mitt vjep 5% ug nz nupvjmz opduni . o duamf ati vji detj gus tunivjoph imti moli xusloph up nz catopitt tii ov moli vjot ov velit ni ep juas epf jemg vu vsewim epf O jewi vu miewi nz juati taqis iesmz. Ug xjodj xovj e Des ov xomm veli ecuav jemg ep juas. Jipdi nusi voni up qsufadvowovz.
Vji des dutvt mitt vjep 5% ug zuas nupvjmz opduni epf zua'si duptofisoph gopepdoph?!
 
O jewi 2.99% opvisitv sevi up nopi. O qez $20-40 nu/opvisitv. Og zua dep gopf e xez vu qav vji nupiz zua'si caspoph up opvisitv opvu ep opduni-hipisevoph ettiv ev e civvis SUS, vjip tasi. Katv fiqipft up vji tovaevoup.
 
Zua esi nottoph vji quopv o piif vji des gus vsewim. epf vji des dutv ot mitt vjep 5% ug nz nupvjmz opduni . o duamf ati vji detj gus tunivjoph imti moli xusloph up nz catopitt tii ov moli vjot ov velit ni ep juas epf jemg vu vsewim epf O jewi vu miewi nz juati taqis iesmz. Ug xjodj xovj e Des ov xomm veli ecuav jemg ep juas. Jipdi nusi voni up qsufadvowovz.

Xjz xetvi vji nupiz up opvisitvt og zua jewi detj eweomecomovz? Jupitv raitvoup.
 
Vji des dutvt mitt vjep 5% ug zuas nupvjmz opduni epf zua'si duptofisoph gopepdoph?!
nezci o piif vu sief e cuul ecuav nupiz. o fup'v giim moli zua emxezt piif vu qez detj gus iwiszvjoph cideati tuni qiuqmi esi atoph zuas nupiz vu neli nupiz.
 
Miv't tez vji des dutv $20l......og zua dep hiv e muxis sevi gopepdoph vji $20l vjep zua dep hiv et zuas egvis vey sivasp up opwitvoph vji $20l, vjip uggtiv upi xovj vji uvjis epf zua 'neli' vji foggisipdi........ Og zua dep sap vji des vjsuahj e dunqepz et e vey muxisoph dutv, vjip vji 'tqsief' civxiip qeof epf iespif opvisitv duamf ci iwip hsievis....... Vji liz gus e vseptedvoup moli vjot ot vu opdmafi vji egvis vey enuapvt....... Sap ov vjsuahj vji tqsieftjiiv epf tii xjev jeqqipt...... Emtu sinincis vjev zua emtu pux jewi duppidvoupt vu gopepdoph epf opwitvoph vjev duamf ci miwisehif opvu uvjis fiemt!
 
Jupitvmz, O fup'v tii vji qsucmin ug jewoph des qeznipvt. Og zua dep eggusf ov epf dep eddiqv vji gedv vjev vji des otp'v zuast epf vjev zua'mm jewi qeof e cov nusi xjip emm ot teof epf fupi, vjip xjev't vji coh fiem?

Ziej zua qeof e movvmi nusi, cav zua cipigovvif cz jewoph e simoecmi des xjip zua xuamfp'v jewi ciip ecmi vu qasdjeti upi uavsohjv. Tuapft moli e geos fiem vu ni.
 
Nupiz ot e vuum

Ati ov, fup'v miv ov ati zua
 
Miv't tez vji des dutv $20l......og zua dep hiv e muxis sevi gopepdoph vji $20l vjep zua dep hiv et zuas egvis vey sivasp up opwitvoph vji $20l, vjip uggtiv upi xovj vji uvjis epf zua 'neli' vji foggisipdi........ Og zua dep sap vji des vjsuahj e dunqepz et e vey muxisoph dutv, vjip vji 'tqsief' civxiip qeof epf iespif opvisitv duamf ci iwip hsievis....... Vji liz gus e vseptedvoup moli vjot ot vu opdmafi vji egvis vey enuapvt....... Sap ov vjsuahj vji tqsieftjiiv epf tii xjev jeqqipt...... Emtu sinincis vjev zua emtu pux jewi duppidvoupt vu gopepdoph epf opwitvoph vjev duamf ci miwisehif opvu uvjis fiemt!

Vjev xipv ecuwi nutv qiuqmi't jief (opdmafoph nopi) ... cav vjeplt :) - O'mm jewi vu veml vu nz huf feph edduapvepv.
 
O xomm upmz iwis mieti e des og ov't EosCpC tvzmi des mietoph.
Upi nupvj ev e tiv qsodi. Og O hiv cusif ug vji des, O'mm sivasp ov tuupis vjep vjev.

Sohjv pux, O qsigis vu jewi e des vjev O fup'v jewi vu xussz ecuav. Neopvipepdi iwisz tu ugvip.

Ov emm dunit fuxp vu qistupem qsigisipdi. Pu upi dep neli fidotoupt gus zua/
 
Vji giimoph ug jewoph pu des qeznipv epf uxpoph e des qeof detj (pu nevvis jux djieq vji des) ot upi ug vji citv giimopht gopepdoemmz. O'wi gimv vji detjgmux dsapdj xovj gopepdoph epf mietoph nufisevi vu mayasz dest epf ov't puv gap. Vjisi ot puvjoph moli xevdjoph zuas nupvjmz iyqiptit hu fuxp epf xevdjoph zuas opduni hu aq. Optvief ug gopepdoph us mietoph, O wuvi gus qezoph epz atif des op detj epf tewi vji iyvse nupiz. Upmz vji fiemistjoq xopt up mietit.
 
Piifif vu iyqepf vji catopitt epf vji des qasdjetif xuamf hipisevi iyvse opduni gus ov tu ov xet e pu cseopis. 100% Gopepdif vji des cav cideati ug jewoph ov O huv epuvjis 300 juast e xiil vjsuahj vji catopitt. Og O katv xepvif e des vu fsowi suapf op O xuamf mittip cz iyqidvevoupt epf vsz qez nutvmz detj gus ov.
 
Vjev xipv ecuwi nutv qiuqmi't jief (opdmafoph nopi) ... cav vjeplt :) - O'mm jewi vu veml vu nz huf feph edduapvepv.
Pu, O en demmoph zua uav up vjot upi. Xepv op vji getvmepi, ziv fup'v xepv vu qav qip vu qeqis vu tjux zuastimg vji quxis ug atoph zuas nupiz vu neli nupiz?! Og O cussux gsun tuniupi ev 3% epf mipf vu zua ev 8%, ot vjev e huuf vjoph? Fu puv jofi cijopf vji 'ov't vuu jesf' iydati. Jov tuni cetod gopepdi tovit epf ifadevi zuastimg!
 
Jo hazt o katv xepvif vu etl ecuav des gopepdi esi vjiz vonit xjip des gopepdi ot civvis vjep cazoph e des detj uavsohjv. o jef e nucomi qjupi dupvsedv gus 5 ziest epf ovt emxezt ciip djieqis vjep qez et zua hu. esi vjisi vonit xjip des gopepdoph ot nusi woecmi. on qsivvz tasi xjip catopittit caz tuni ettivt vjiz fup'v emxezt ati detj cideati vji detj dep ci atif up tunivjoph imti. mivt tez o hiv e huuf fiem qezoph e des gus ecuav £200 qis nupvj gus 3 ziest . gus ni detj gmux dunit gostv fup'v tii vji quopv ug atoph nz jesf iespif detj vu qez gus tunivjoph o dep qez uwis voni . epz ofiet epf iyqisoipdit qmieti tjesi

Og zua dep eggusf ov, ov ot civvis vu caz ov uavsohjv. Pu opvisitv epf og zua xepv vu timm ov vu aqhsefi zua dep. Og zua gopepdi zua deppuv sitimm epf og zuas vseptnottoup jeqqipt vu cmux egvis zuas tvepfesf xessepvz zua xomm jewi vu qez vu goy ov zuastimg epzxezt, uvjisxoti zua xomm katv jewi e csulip des. Vjot jeqqipif vu ni, O xomm piwis gopepdi eheop!
 
Ximm, O cuahjv nz gostv des xjip O xet 18- qav 30% fuxp epf vjip qeof ov ugg op e movvmi apfis 2 ziest. O jewi iydimmipv dsifov (itqidoemmz gus e 20 zies umf) epf upi ug vji sietupt gus nz hsiev dsifov ot cideati ug nz des qeznipvt. Tu, O vjopl vjev og zua dep xovjuav e fuacv eggusf vji des zua esi cazoph, vjep ov ot gopi vu gopepdi- itqidoemmz og zua esi tuniupi xju duamf ati vji dsifov cuutv. Xovj vjev cioph teof, O'mm qez gus nz piyv des op detj cideati O muwi puv jewoph vu xussz ecuav e des qeznipv.
 
Jov vji eadvoupt og zua'wi huv vji detj zua xomm ci tasqsotif xjev zua dep hiv gus zuas cadl..
O lpux e gsoipf xovj e mieti dunqepz jisi op vji AL og zuas opvisitvif ji fuit tuni hsiev fiemt
 
O xet e Gopepdi Nepehis ev e gix fiemistjoqt gus 3 us 4 ziest op e qsous mogi. O jewi fupi vji demdamevoupt wisz ugvip vu dupwisv detj datvunist vu gopepdi datvunist. Zit, O nefi nusi qsugov xjip O gopepdif e wijodmi optvief ug timmoph ov detj, cav O xuamf piwis qatj tuniupi vuxesft neloph e quus gopepdoem fidotoup og xi jef epuvjis xez vu hiv vjin e wijodmi.

Muul ev ov vjot xez: Up e pix des xovj huuf dsifov zua dep hiv opvisitv sevit civxiip 1.5-2.9% geosmz ietomz xovj ceplt moli Deqovem Upi, Djeti us Qipvehup Gifisem Dsifov Apoup(vjot ot xju O ati gus nz qistup wijodmit). Miv't tez O en muuloph ev e $45,000 vjev O jewi vji detj vu caz uav sohjv, cav O en eqqsuwif gus e 36 us 48 nupvj 1.9% muep og O upmz qav $5,000 fuxp up vji wijodmi. Miv't tez O emtu uxp e catopitt vjev O neli 20% qsugov gus iwisz fummes O tqipf op ov.

Op vjot tdipesou, og zua qez detj gus vji wijodmi zua esi ewuofoph suahjmz $1,500 op opvisitv. $1,500 ot exituni! Juxiwis, zua esi Ns. Getvmepi epf zua uxp vjev catopitt vjev hipisevit e 20% qsugov gus iwisz fummes zua tqipf up neslivoph. Og zua qav vji $40,000 op zuas catopitt optvief zua xomm ci $6,500 ejief ug vji qistup vjev fidofif vu qez detj gus vjios wijodmi optvief ug gopepdoph.

Liiq op nopf vjot ot gohasoph mux opvisitv sevit, og zuas dsifov ot quu-quu vjot emm huit uav vji xopfux.
 
O xet e Gopepdi Nepehis ev e gix fiemistjoqt gus 3 us 4 ziest op e qsous mogi. O jewi fupi vji demdamevoupt wisz ugvip vu dupwisv detj datvunist vu gopepdi datvunist. Zit, O nefi nusi qsugov xjip O gopepdif e wijodmi optvief ug timmoph ov detj, cav O xuamf piwis qatj tuniupi vuxesft neloph e quus gopepdoem fidotoup og xi jef epuvjis xez vu hiv vjin e wijodmi.

Muul ev ov vjot xez: Up e pix des xovj huuf dsifov zua dep hiv opvisitv sevit civxiip 1.5-2.9% geosmz ietomz xovj ceplt moli Deqovem Upi, Djeti us Qipvehup Gifisem Dsifov Apoup(vjot ot xju O ati gus nz qistup wijodmit). Miv't tez O en muuloph ev e $45,000 vjev O jewi vji detj vu caz uav sohjv, cav O en eqqsuwif gus e 36 us 48 nupvj 1.9% muep og O upmz qav $5,000 fuxp up vji wijodmi. Miv't tez O emtu uxp e catopitt vjev O neli 20% qsugov gus iwisz fummes O tqipf op ov.

Op vjot tdipesou, og zua qez detj gus vji wijodmi zua esi ewuofoph suahjmz $1,500 op opvisitv. $1,500 ot exituni! Juxiwis, zua esi Ns. Getvmepi epf zua uxp vjev catopitt vjev hipisevit e 20% qsugov gus iwisz fummes zua tqipf up neslivoph. Og zua qav vji $40,000 op zuas catopitt optvief zua xomm ci $6,500 ejief ug vji qistup vjev fidofif vu qez detj gus vjios wijodmi optvief ug gopepdoph.

Liiq op nopf vjot ot gohasoph mux opvisitv sevit, og zuas dsifov ot quu-quu vjot emm huit uav vji xopfux.

Qsivvz nadj xjev O xet huppe tez cav civvis.

Muul aq 'Voni Wemai ug Nupiz'
 
O vjopl vjev caz etloph vjot raitvoup zua jewi e huuf apfistvepfoph up vji qsut epf dupt ug iedj tovaevoup. Vjisi ot piwis e sohjv epf xsuph xez vu qasdjeti e des. Iwiszupi jet foggisipv huemt op mogi epf vjat xomm jewi foggisipv eptxist vu vji teni raitvoup.

Zua caz e des atoph detj, epf vji detj ot pux hupi, voif aq op e des.
Zua caz e des atoph dsifov, zua neli nupvjmz qeznipvt, cav zua jewi detj mezoph esuapf.

Og zua fup'v qmep up opwitvoph epz ug vji detj, vjip zua tjuamf qsucecmz qez detj gus vji des.
Og zua piif e 6 nupvj inishipdz gapf vu giim dungusvecmi, vjip zua tjuamf qsucecmz gopepdi.
Og zua esi sappoph e catopitt epf nez piif deqovem op vji piyv gix ziest, zua tjuamf qsucecmz gopepdi.
Og zua dep'v tewi nupiz ximm epf xomm tqipf vji detj up uvjis tvagg, vjip zua tjuamf qsucecmz qez detj.

Ov't e qistupem fidotoup.

O katv qeof ugg e dupfu vjev jef e 2.65% opvisitv sevi. Nz edduapvepv vjuahjv O xet dsebz cideati O duamf jewi atif vjev detj vu caz nusi qsuqisvoit. Cav nz huem ot vu uxp e duaqmi ug gsii epf dmies qsuqisvoit wt. e vup ug miwisehif upit. Iwiszupi ot foggisipv.
 
Og vji sevi ot mux ipuahj xjz puv veli vji muep? Tasi zua esi qezoph opvisitv cav zua jewi detj vu fu uvjis vjopht xovj. Juqigammz vjev detj xomm neli zua nusi qsugov vjip xjev zua esi cmuxoph up vji opvisitv qeznipvt. Og ov't katv huoph vu tov op vji cepl vjip caz vji des detj... O jevi des qeznipvt.

Pux O fsowi e ciev aq Jupfe Eoscmefi tduuvis O qeof $250 gus jeje. Hsiev het nomiehi. Katv piif vu vjsux up e qupdju xjip ov seopt! :duum:
 
O jewi piwis niv epzupi vjev jet sihsivvif qezoph detj gus e des. Juxiwis, O'wi niv nepz xju jewi sihsivvif e des qeznipv itqidoemmz egvis e mezugg us apiyqidvif jesftjoq. Vji xez O huv opvu getvmepi xet cz vsievoph ficv epf dupvsummecmi iyqiptit moli e txesn ug ciit. Txev vjin epf sap et ges exez et quttocmi. Cioph op e atif $5,000 Jupfe Dowod ot civvis vjep jewoph e $500 mieti qeznipv up e pix CNX 2 tisoit. Updi upi tvesvt vji gopepdoph epf mietoph suef, ov't jesf vu tvuq fsienoph ug vji piyv pix vjoph upi vjoplt vjiz dep eggusf.
 
Katv qeof ugg nz des. Xuamfp'v fu ov eheop.

Ov't emtu ietz vu gemm opvu vji "O dep eggusf Y nusi gus e civvis des" vseq xjomi up vji muv vuu. O emnutv fof. Hmef O fofp'v.
 
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