Contents
Spending record
This is bigger ticket stuff, not regular consumables like petrol and tolls.
Date |
Expense |
Cost |
Vendor |
Notes |
2023-01-06 |
Dealer 0th service |
free |
Mazda |
Free 1-month service |
2023-09-06 |
Dealer 1st service |
$330 |
Mazda |
Should've been the 6-month service but we couldn't book in earlier |
2023-10-16 |
Suncorp comprehensive |
$1388.75 |
Suncorp |
Covered for $50900 with $995 excess |
2023-10-20 |
NRMA comprehensive |
$1612.56 |
NRMA |
Covered for $35000 with $1000 excess, payments are now MONTHLY |
2026-08-25 |
Dealer 4th+5th service |
$860.00 |
Mazda |
Includes the fuel lines and aircon system cleaning upsell for $250-270 or so |
On-road costs
Date |
Expense |
Cost |
Notes |
2023-10-16 |
CTP with QBE |
$429.28 |
- |
2023-10-16 |
Rego |
$582.55 |
- |
2024-10-20 |
CTP with QBE |
$453.29 |
- |
2024-10-20 |
Rego |
$625.00 |
- |
2025-10-08 |
CTP with NRMA |
$558.89 |
QBE's website is closed from 01:00 to 05:00, so fuck 'em |
2025-10-08 |
Rego |
$661.00 |
- |
Estimated yearly running costs
Estimated in October 2024, annual values unless specified.
- Rego: $625
- Registration: $79
- Motor vehicle tax: $546 (1505-2504kg vehicle)
- Expires 7th November
- CTP: $453
- This is still with QBE after a couple years
- Comprehensive insurance: $1612 with NRMA
- Was $1160 originally with Suncorp via the dealer, prices indeed went up a lot
- Servicing: $500
- Tolls: Averaging $100/mon at the moment ($1200/yr)
- NRMA roadside assistance ($10.49 per month): $125.88
- Fuel: $240/mon (guess) ($2880/yr)
- Maintenance (eg. tyres, etc): $144 (wild guess)
- Loan: $1008/mon ($12096/yr)
- Fudge factor: $8.12/yr
That makes it $19644 per year, or a neat $1637 per month.
- Monthly: loan, comprehensive, tolls, NRMA, fuel, small maintenance
- Yearly: rego, CTP, servicing
Breakdown to monthly costs
These total to $1636.88 per month.
PAYG monthly
- Loan: $1008
- Comprehensive insurance: $134.38
- Tolls: $100
- NRMA roadside: $10.50
- Fuel: $240
- Smaller maintenance: $12
Pay $1504.88 each month.
Big hits averaged per month
- Rego: $52.08
- CTP: $37.77
- Servicing: $41.67
Put aside $132 each month.
Fuel estimates
Assume 1100km per month, and a mileage of 9.2L per 100km. That's 92L per month, and assume a price of about $2.20/L at worst.
That's about $225/mon for petrol, round up to $240/mon to give some slack in budgeting.
Servicing pricing
This is a fixed-cost deal with a nice schedule of expected servicing costs.
Assume we drive about 10,000km per year, and service yearly, which is extremely neat.
Year 1 |
$350 |
- |
Year 2 |
$452 |
brake fluid |
Year 3 |
$426 |
engine air filter |
Year 4 |
$536 |
brake fluid, cabin air filter |
Year 5 |
$350 |
- |
Year 6 |
$528 |
brake fluid, engine air filter |
Year 7 |
$350 |
- |
Year 8 |
$536 |
brake fluid, cabin air filter |
Year 9 |
$426 |
engine air filter |
Year 10 |
$452 |
brake fluid |
The average over 10 years is about $440 per service, plus any extra expenses for labour or things that need replacing. Call it $500 to be sure.