Wednesday, March 11, 2009

Diskaun RM5K untuk beli kereta baru

Yang ku nanti-nanti :


55. Di samping itu, sebagai satu usaha sama antara Kerajaan dengan sektor
swasta, Kerajaan akan membantu skim pelupusan kereta PROTON dan PERODUA. Di bawah skim ini, pemilik sebarang jenama kereta yang ingin melupuskan kereta
mereka yang berusia 10 tahun atau lebih, akan menerima diskaun bernilai
RM5,000
untuk membeli kereta baru.
Source: Bharian, Bajet Mini 2009

My current Proton Saga is 17 years old this coming June 09 ;) Dah pangkat anak dara sunti!
While I'm thinking whether to buy Exora or Persona, Abang is still considering this decision. This is what we call Opportunity Cost. When we buy the car, of course of have to let go some amount of incidental savings ( without intefering the Standing Instruction to savings & investment). Yesterday, Abang forwarded to me this link for me to think again on this:
Pro & Cons to opt Exora

Pro-A comfy car for long journey. We have to take about 5 hrs journey to Kedah. The current space of the Sedan is ok but my 2 children really love to keep fighting especially when it comes to ZzZz time. End up, i pon stress bangatt! But we seldom balik kampung..biasanya once in 3 months time.


Cons- I may increase my debt ratio between 32-35% . I don't think it's a economy to car to be used daily to commute to the office, this might increase fuel consumption.

Pro & Cons to opt Persona

Pro-I can maintain my debt ratio at 29-30%. In addition, it's a comfy car for daily travel to the office or meet my clients.

Cons- I have to hold my 3rd baby along the way to Balik Kampung la kott...erkk...letih jugak kann while I have to keep my self stronger enough to face the kids war along the journey ( but I think on this note we can educate and train them slowly).
So now...EXORA or PERSONA?

7 comments:

sikulat said... Reply To This Comment

ini hanyala pendapat kite & cara kite mengoperasikan kewangan kite..

yupp.. agree utk menyimpan & beringat2 utk masa depan... the opportunity cost to think when buying things..

tapi.. while menabung utk masa dpn... jangan korbankan ruang & space & comfort utk diri sendiri; atleast sambil keperitan & kesusahan mencari wang utk masa hadapan.. spend some to reward yourself.. lagi pun... by the time dah tue.. takkan baru nak beli kereta baru.. masa tu pun dah duduk rumah tunggu cucu & anak menantu balik rumah kite plak....

spend wisely... be practical.. itu yg penting..

just my 2 cent.. (orang lain mungkin beranggapan lain.. heheh)

Farra said... Reply To This Comment

semah~thanks for your comment..
insyallah, the new car is coming very soon :D

yatipruzz said... Reply To This Comment

hehe suke ayat semah - agreed!
as for me while menabung utk masa depan, i dun forget to pamper myself with my hard-earned money...but most of the time i indulge in foods...lagik la justified kan? hehe

eLLe said... Reply To This Comment

me agreed with semah too ;)

`Ain said... Reply To This Comment

exora!
tak payah dah fikir nak tukar kete lagi in future.family is expanding.fuel?tak la teruk sgt kot.cc 1.6 saja kan? betul mcm your friends cakap, sejak kerja my mom selalu pesan must reward yourself first sebelum byr hutang:) simpan simpan juga, reward jgn dilupa!reward diri sekarg tak sama dengan reward diri bila kita dah tua dan anak2 dah besar.heee...enjoy sis!

Nur Suraya said... Reply To This Comment

Antara Persona dan Exora... Honda City yg baru kuar tu pun lawa juga... Kereta Proton/ Perodua interest around 3.5%... keta Honda around 2.38% (tak sure rate terkini... ni rate dulu.. tapi rasanya keta tempatan interest higher, for me lower interest and pay my hard earned money for higher quality product more value for money)... keta Honda minyak jimat, pastu enjin tahan lama... sometimes as a business person... our self-image pun boleh bagi impact... can build trust and get more business... tapi make sure tunjuk self-image sebenar la... takdela pakai keta yg kita rasa membebankan kita nak bayar hutang dan mengurangkan savings dgn byk sekali sbb harga yg tak munasabah utk dibayar bagi sebuah kenderaan.

Apa-apa pun... for me you just be yourself... but the time has come for you to change the old car la! :)

Cikgu Pruzz said... Reply To This Comment

Amik Exora je pk beli keta nak pakai lama. Lain la kali 2-3 taun sekali tukar keta. Skang anak dah nak masuk 3 org, kalo Persona ngam2 je.. Tu lom kira kalo setaun dua lagi amik maid ke, tambah sorg lagi ke..Nak kena amik MPV plak.. Dpd 2 kali kena tenyeh ngan depreciation cost, baik skali je..Kos minyak akan lebih tinggi dpd Persona la tapi..

Ataupun kalo nak lagi radical jual Saga + Merc & amik Exora + Kancil/Viva (new or 2nd) untuk pakai hari2