Nearest I’m likely to get to a Ferrari
Excitement at the weekend, when the first article I’ve written for the Financial Times made it into print, explaining car finance and the pros and cons of PCP.
(You can find the article here, and may even be able to read it before the paywall kicks in).
Hopefully, it’s useful for anyone considering buying a car using a Personal Contract Plan, also known as a Personal Contract Purchase. PCP is massively popular – more than 8 out of 10 brand new cars are bought using PCP, and nearly half of used cars too.
But I would never buy a car using PCP myself.
Why not?
Well, PCP is great if:
– you like having a brand new car sitting in the drive (doesn’t bother me)
– you like swapping your car at regular intervals (nope, doesn’t bother me)
– you’d like to afford a fancier car than you would otherwise, trading up from say a boring old Ford to a whizzy BMW or Audi (nope, still not bothered, and beginning to sound like Catherine Tate)
– you can keep your car lovingly maintained and in immaculate condition, without a single bump or scratch (We have two children, drive along country roads, and I’m only just starting to drive again. How much stress do you think that might cause?)
– you drive predictable amounts and can keep within the mileage limits (again, would rather not worry about mileage limits when we’re making plans for the weekend)
– you don’t mind not owning the car during the contract (actually, this one does bother me. I like to use things as I choose, without worrying about having to give them back).
– you don’t mind paying interest for money you’ve borrowed (I’d much rather earn interest than pay it, even when rates are low)
PCP sounds great because the monthly payments are typically lower than if you got a car using trad hire purchase or a personal loan. Why? Because the payments don’t cover the whole cost of the car.
Instead, you’re just paying the difference between the current value of the car – less any deposit and trade in – and the expected value of the car at the end of the contract.
Your hard-earned cash pays the cost of the car’s depreciation, usually with a chunk of interest on top.
If you choose to buy the car at the end of the contract (and admittedly few people do) you’re likely to end up paying MORE in total to own the car than you would using HP or a loan.
All the industry experts I spoke to compared PCP to buying a mobile phone on contract. Loads of people shell out £50 or £60 a month to have the latest iPhone this or Galaxy that and switch to a new model every few years, and like taking the same approach with their car.
But – klaxon alert – I don’t pay £50 or £60 a month for a fancy phone on contract. I bought a slightly older model outright, and pay a fiver a month for a SIM only deal. Because guess what – it’s massively cheaper!
Personally, I reckon if you’re trying to make the most of your money, then PCP is madness.
PCP, and the buying culture it encourages, is the opposite of the thrifty tactics I try to follow.
1. Paying more than you need is expensive
It frustrates that hell out of me that when people find they could pay the same each month for say a Ford Focus on hire purchase, or a Merc on PCP, they say: “Cheers, I’ll pay for the same for the Merc”, rather than “Fantastic, I’ll get the Ford on PCP and use the spare money for something else”.
Think what that money could do! Pay off debt, save up for something fantastic, help towards retirement or hey build enough to buy your own car outright so you’re not shelling out to a finance company.
2. Depreciation is expensive
Why oh why would anyone want to set fire to thousands of pounds just by driving a brand spanking new car off the forecourt? Seems rather a lot for a new car smell, the latest number plate and the chance to be the first name on the registration documents.
From a frugal perspective. it makes much more sense to let someone else pay for the plunging depreciation, and buy the same car second hand a few years later.
3. Driving someone else’s car can be expensive
PCP deals are driven by depreciation, so the condition and the mileage of the car matter a lot. When you sign up to PCP, you’re also signing up to keep the car in good condition and below agreed mileage limits.
At the end of the contract, if the car is damaged, or you’ve driven further than expected, you’ll have to foot the bill. Typical mileage excess charges run at about 10p a mile – which doesn’t sound all that much. But if you return a car with 35,000 miles on the clock, rather than the 30,000 agreed, that adds up to £500. Ouch.
I’d much rather we own our own car, and don’t have to panic about any dent, scratch or extra journey.
3. Interest is expensive
I resent paying interest. It makes everything more expensive. Ideal world, I’d rather save up and buy a reasonably priced second hand car outright. This might not make me the car dealer’s favourite person, but I prefer paying less.
I do appreciate that some people need a car, right now, if for example they couldn’t work without it and don’t have a several thousand pounds to spare. In that situation, I’d still go for the reasonably priced second hand car, so the monthly repayments were lower and I could save the difference towards buying outright.
4. Swapping cars is expensive
Expensive in terms of the world’s resources, that is. Trading in a brand new car every two or three years seems a shocking waste of materials and labour. Yes, if you buy an old banger you’re likely to face expensive maintenance bills, but surely a three-year-old car isn’t about to expire?
Of course, it helps that I’m not a petrol head and don’t get fired up about cars. What kind of car have we got? A blue one. (I’m only slightly joking here).
From a frugal perspective, I focus on finding a good value car with low running costs – so a reliable brand, with low fuel consumption and inexpensive insurance. Buy it, keep it, and only consider a new one years later when it’s less reliable and the repair costs start mounting up.
Over to you. Are you a fan of PCP, or prefer to buy your own car outright? Car lover, or view cars as a necessary evil to get you from A to B? What are your top tips when buying a car? I’d love to hear, so do share your thoughts in the comments.
Basically.. Pcp is like renting car for 2 years instead of buying.. It would be Great if you can give some real numbers to see how much really cost having a car in London for example.. I guess this is best for Uber Drivers that you see everywhere these days.. Rgds
I have a distinct suspicion that renting a car for 2 years, via personal contract hire (PCH), can actually end up cheaper than PCP. Good point about adding up the true cost of car ownership. When we lived in London we put off the expense of car ownership for as long as we possibly could, and used alternatives like short term rentals and car clubs. That's a lot less feasible since we moved to Suffolk!
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We have an nine year old car we bought outright from savings four years ago. We put money aside each month for repairs and expenses plus the next car. It's a cheap, reliable brand which attracts jokes about skips but hey, it's ours, paid for!
Great plan to set aside money for repairs and expenses, so the cost doesn't come as a nasty surprise. Reckon if you can find a cheap reliable car that does the job of getting you from A to B that's worth any jokes!
I didn't know what PCP was until I read this. Thanks for explaining. I save up for a decent second hand car, and I like the Ford Focus.
Ilona! Lovely to hear from you on my blog. Glad it was helpful in explaining PCP. In my limited knowledge of cars, the Ford Focus is a good bet for lower running costs because it's popular and the parts are readily available. Was that what you found when you had one before?
I bought a second hand car for cash for all the reasons you stated and particularly the need to keep the car in perfect condition! However trying to get any customer servce from a main dealership when they knew I was a cash buyer was impossible. Clearly the salesman's commission from the finance deal is an important part of income. I ended up buying from a smaller used car specialist where they were more keen to sell me a vehicle than a finance deal.
Author
Yes we found that when we told the car salesman we’d be buying in cash, he became distinctly less interested in our business! Good tip about using smaller specialists.
I think your point about people finding they have the choice between owning a modest car or PCP-ing a BMW or Mercedes is key. My personal opinion is that snob value is driving people into PCP land: and in fact they are fools being very effectively parted from their money. The good news is that 3-year-old cars (ex-PCP ones) are becoming more affordable since the market is awash with them.
Author
Definitely good news for bargain hunters with so many good quality second hand cars becoming available. Do wonder how it will affect the overall car market in future – surely it risks making PCP more expensive, if resale prices plunge due to an over-supply of cars, and more people opting to buy new?
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I read your Financial Times article on car ownership, and it provided an eye-opening perspective on the financial aspects of owning a car. Your insights into the true cost of ownership and alternatives like car clubs are thought-provoking. Thanks for shedding light on this important topic!
Su artículo en el Financial Times ofrece un análisis reflexivo del coste real de los automóviles y cómo afectan nuestro presupuesto. Sirve como recordatorio de que tener un automóvil puede aumentar la independencia financiera si se toman decisiones acertadas al respecto. ¡Le agradezco que haya sacado a la luz esta área crucial de las finanzas personales!
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Greetings everyone I am Jackson Whittaker. I’m here to share my testimony on how I won America Lottery Game, since I was a teenager, I started playing different type of lottery games i haven’t been able to get a mega win. Rather I keep losing money buying tickets. Early 2020, I came across testimony online on how someone won the lottery game with the help of DR JATTO spell casting. i quickly tap on Dr Jatto’s link and saw other testimonies from people he helped won Lottery. I quickly sent him test via his whatsapp link and I told him I’m eager to win the coming lottery game, I explained everything to him. He told me the necessary things needed, I provided everything for him and he did it and send me the right winning number to play and when I played it, i won 314.9millions dollar and all I can say is thank you DR JATTO for everything you did for me. This win won’t be forgotten in a lifetime. Kindly send him a test on whatsapp: +234 901 616 2155 email:drjattolovespelltemple01@gmail.com or his website:https://drjattolovespellte0.wixsite.com/my-jattosite
Imagine becoming vastly wealthy overnight. Being a winner of a multi-million dollar lottery certainly will be a life-changing event for almost every single lottery winner. My name is Joe Macquez and i won the sum of $1,800,000 US DOLLARS. I know many people would wonder how I had won the lottery. Would you believe me if i told you that i did it with spell casting? I met this famous spell caster known as DR ISIKOLO and he was the one who did it for me. As shocking as it was to me my famous comment to the press was “ I’m going to go and hide in my bed.” Never did I believed that DR ISIKOLO actually made me wealthy overnight. If you want to have your chance of winning and becoming very wealthy just like me, visit his webpage (https://isikolo-temple.com) or Text him on WhatsApp via +2348133261196.
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CONTACT THIS GREAT SPELL CASTER FOR LOTTERY WINNINGS AND ANY OTHER KIND OF HELP NEEDED. WhatsApp +234-8133261196
I am very grateful for sharing this great testimonies with you, The best thing that has ever happened in my life is how I won the lottery. I am a woman who believes that one day I will win the lottery. Finally my dreams came true when I emailed Dr Isikolo and told him I needed the lottery numbers. I have come a long way spending money on tickets just to make sure I win. But I never knew that winning was so easy until the day I meant the spell caster online which so many people have talked about. He is very great at casting lottery spells, so I decided to give it a try.I contacted this man and he did a spell and he gave me the winning lottery numbers. But believe me when the draws were out I was among the winners. I won $1.900.000USD. DR ISIKOLO truly you are the best, with this man, you can win millions of money through the lottery. I am so very happy to meet these man, i will forever be grateful to you. His website (https://isikolo-temple.com) or WhatsApp him on +2348133261196
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I was going through a rough time in my life and it greatly affected my union with my wife. We had so many emotional problems and struggles and this alone made us pay less attention to each other’s need. While i was on it trying to fix my problems and get back on my feet so that i can reshape my marriage and make it work better, my wife had women around her that influenced her wrongly and made her took the wrong part by walking away. That incident alone broke me and i was sure she wasn’t doing everything she doing with her right senses. I did what i can to restore peace but it never worked and i had to Contact Dr Isikolo who made it possible for me fix the problem. He worked for me and restored back the love and connection between me and my wife and she returned back home. The result of his work started manifesting just after 48 hours as promised and i can bold say everything is fine between us now and we are both happy together, I am here to validate the information out there that Dr Isikolo is a good and honest man that you can trust to help you with your problems. His webpage (https://isikolo-temple.com) and you can as well text him via WhatsApp +234-8133261196.
I am so happy to testify of the good work of Dr. Grant, I Suffer from Herpes virus since 2020 and I had frequent symptoms in my private area. after some time it will go away after using acyclovir drugs, then come back after some months. it was disheartening since i have been diagnosed, but after finding Dr. Grant and his reviews i was convinced that he will definitely cure me and so i contacted him and he told me how to get his herbal medicine and using it for just two weeks and i will go for check up and first i said how can that be possible but i used his herbal medicine after making purchase and truly i used it and went for the test again, and my result came back negative. so i made it a task to share this good testimony in the internet so that those sick can benefit and get cured. you can contact him on WhatsApp or call: +2348115892498 email: grantingheartdesiresspell@gmail.com
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I have had my fair share of emotional traumas and failed relationships. There is nothing more to life than staying hopeful even when we expect the worse. I was lucky once more when i met my fiancé and he was all that i ever wanted in a man. I was always treated right by him and i had always believed we are ending up together. Unknown to me that devil had struck even before my wishes came through. He was taken from me by another bitch and it was hell for me knowing he had left me. I was so sure that he didn’t do so with his clear mind because everything seems award when it occurred. So i had to look for help and I found dr isikolo who revealed to me that my man was hypnotized with charms by the said lady. He worked for me and got my man back to me and now we are back again. I cant be thankful enough knowing everything Dr isikolo promised was fulfilled and knowing the result of his works manifests after 48 hours. No lies about all you will ever hear about him and what he does. Contact him now if need be and be fully assured he wont fail you. Text him on WhatsApp via +2348133261196 or visit his webpage (https://isikolo-temple.com).
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I and my wife had a misunderstanding which led to a huge fight and she left home and returned back to her fathers house. I let my emotions got the best of me and stayed permanently away from her. Things grew worse when she started seeing another man and I never knew about it. I tried fixing the problem and getting her to return back home and she never came back. I later found out all that has been going on and decided to seek help to fix my marriage with her which made me contact Dr Isikolo. Just as expected he worked for me and the problem was fixed and I am reunited with my wife. She returned back home just after 48 hours as promised by Dr Isikolo. I am forever indebted to him for fixing the problem I had in my marriage. kindly contact him for fast and urgent Help, call/text him on WhatsApp: +2348133261196 or go through his website https://isikolo-temple.com
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DR ISIKOLO cast a lottery spell for me and i won $8.500.000 . Read my review and contact him now for your own lottery winning numbers. It is a very hard situation when playing the lottery and never won, or keep winning low fund not up to 500 bucks, i have been a victim of such a tough life, the biggest fund i have ever won was 350 buck, and i have been playing the lottery for almost 8 years now, things suddenly change the moment i came across a secret online, a testimony of a voodoo doctor who help people in any type of lottery numbers, i was not easily convinced, but i decided to take try, now i am a proud lottery winner with the help of DR ISIKOLO, i won $8.500.000 and i am making this known to every one of you who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for, you can contact Dr Isikolo on his WhatsApp via +234-8133261196 or checkout his page https://isikolo-temple.com.
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