I slept appallingly last night but it is what it is. Maybe tonight will be better.
this post was submitted on 05 Sep 2023
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Anyone here have suggestions/know of an unbiased financial advisor?
We’re paying way too much on car rental now so looking to replace that with our own car.
Tossing up between buying a brand new 2023 Corolla hybrid sedan for $37k driveaway, getting a used 2020 Corolla hybrid hatch with 52000km for $30k driveaway (but my wife and I collectively agree that the 2023 option would be better). From dealer.
Also tossing up between a novated lease vs a People Choice Credit Union car loan (not doing cash anymore). Have trouble doing a true comparison taking into account the balloon payment but from my limited abilities, it seems like the CU is cheaper when factoring in that $11k novated balloon.
My personal experience is that Novated Leases are not financially competitive compared to a car loan and buying outright. Especially at the lower end of car cost scale like you are.
The GST savings are minimal/non existent, the tax savings are minimal, the maintenance and admin costs are inflated and of course that damned balloon. You'll end up paying way more than you should for the car with the added pain of a direct reduced income.
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#Worldle #593 2/6 (100%) 🎉⭐⭐🏙️🪙
Does anyone know if you can use an 8bitDo controller with a ps4? I know you can't with a ps5, but I can't find a straight answer about the ps4. Seems like maybe, with an adaptor?
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And silly brain… Unsettling dreams again for about the 3rd time in a week. This is not enjoyable at all.