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[TheBoy]

These figures you guys are bandying around are making my head hurt! 

Me too, that's why we drive crap old cars

With new cars getting more crap with every model year, who are the fools here?

Not to mention all the nanny shit that you have to disable on every single start.

[TheBoy]

I did lease through our company scheme for a few years. Not quite the same as normal leasing but something similar to Mr DTM I would imagine. No deposit, no insurance, no road fund, no maintenance etc., I simply just had to put fuel in it. It was a good scheme to start with, the vehicles were reasonably priced and the cost was deducted from my wages before I even saw it, so nothing could be simpler.

Mrs TB had that scheme in the early days, when it was still 600s and 800s being produced at the Mini plant.  Absolute no brainer, though only open to those that had worked there for more than 10 years, so she had to wait to join.

That all went tits up when BMW sold it all....

[Marks DTM Calib]

Hence looking at i5 Touring, sat in one last week. I did very much like it. Would order with a tow bar, so I can haul a trailer, bike carrier on the back. (kids are loving cycling at the moment)

I would also shift the spend into money "I do not see" and free up some funds that do hit by bank account.

Plus changes in taking kids in etc, increased miles.

What would be the down payment and subsequent monthly payments on that?

It's a nice enough car but a bit 'generic' perhaps.

Salary Sacrifice = No down payment.

Cost can vary dramatically, based on personal tax status. (20%/40%/60% tax payer)

I worked out the real world loss to me is £475/m.

That was 15k pa, i5 Touring, various packs, active suspension, tow bar, everything I would want.

That £475 includes the car, insurance, maintenance, tyres etc. Other cars with same deal:

£400 I could have a Tesla Model Y RWD

£275 for a Renult 5.

I would strike the Renault 5 off, have literally just got back from having a go in one, you wouldn't fit 

The baguette holder is also another good reason to avoid !

[tunnie]

One thing holding me back currently is the 100% of the EV gross figure (which are stupidly large) goes straight into my pension. So at the moment, I'm keeping that flowing as that is the true cost to me.

Yes, this is where I am. I think the iX 'costs' around £14k p.a. and I could really do with boosting my pension by this amount, but on the other hand, it is a nice car. I also have another 17yrs of private school fees to pay, so retirement is a little way off for me! I think the way I will go is a second hand EV, once decent ones fall into a sensible price bracket, until I fill out my pension annual allowance (should I ever get there!).

All that said, the 435i is going to be a hard act to follow. Other than my ar$e not fitting in the M-Sport seats, its a really nice motor!

i5 with some packs was coming in at around a similar amount!! I might look at LEX prices on those iX, I do prefer the looks of the i5 Touring though.

Luckily no private schools here, the eldest liked one when she went for a school competition, but soon discounted when we saw the yearly cost 

[tunnie]

Hence looking at i5 Touring, sat in one last week. I did very much like it. Would order with a tow bar, so I can haul a trailer, bike carrier on the back. (kids are loving cycling at the moment)

I would also shift the spend into money "I do not see" and free up some funds that do hit by bank account.

Plus changes in taking kids in etc, increased miles.

What would be the down payment and subsequent monthly payments on that?

It's a nice enough car but a bit 'generic' perhaps.

Salary Sacrifice = No down payment.

Cost can vary dramatically, based on personal tax status. (20%/40%/60% tax payer)

I worked out the real world loss to me is £475/m.

That was 15k pa, i5 Touring, various packs, active suspension, tow bar, everything I would want.

That £475 includes the car, insurance, maintenance, tyres etc. Other cars with same deal:

£400 I could have a Tesla Model Y RWD

£275 for a Renult 5.

I would strike the Renault 5 off, have literally just got back from having a go in one, you wouldn't fit 

The baguette holder is also another good reason to avoid !

 

I had visions of it being a "Little hot hatch" after years of RWD barges. But I don't think it drives like that though.

Like I say the only appeal was the price!

[Field Marshal Dr. Opti]

Hence looking at i5 Touring, sat in one last week. I did very much like it. Would order with a tow bar, so I can haul a trailer, bike carrier on the back. (kids are loving cycling at the moment)

I would also shift the spend into money "I do not see" and free up some funds that do hit by bank account.

Plus changes in taking kids in etc, increased miles.

What would be the down payment and subsequent monthly payments on that?

It's a nice enough car but a bit 'generic' perhaps.

Salary Sacrifice = No down payment.

Cost can vary dramatically, based on personal tax status. (20%/40%/60% tax payer)

I worked out the real world loss to me is £475/m.

That was 15k pa, i5 Touring, various packs, active suspension, tow bar, everything I would want.

That £475 includes the car, insurance, maintenance, tyres etc. Other cars with same deal:

£400 I could have a Tesla Model Y RWD

£275 for a Renult 5.

I would strike the Renault 5 off, have literally just got back from having a go in one, you wouldn't fit 

The baguette holder is also another good reason to avoid !

 

I had visions of it being a "Little hot hatch" after years of RWD barges. But I don't think it drives like that though.

Like I say the only appeal was the price!

Renault 5 Turbo from the eighties.