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Size: 2678
Comment: add spending record, update all the estimated expenses
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← Revision 3 as of 2023-10-16 12:40:39 ⇥
Size: 3000
Comment: insurance and rego for MAKI
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| Deletions are marked like this. | Additions are marked like this. |
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| || 2023-10-16 || Suncorp comprehensive || $1388.75 || Suncorp || Covered for $50900 with $995 excess || = On-road costs = ||<rowbgcolor=lightblue rowstyle="font-weight: bold"> Date || Expense || Cost || Notes || || 2023-10-16 || CTP with QBE || $429.28 || - || || 2023-10-16 || Rego || $582.55 || - || |
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 |
On-road costs
Date |
Expense |
Cost |
Notes |
2023-10-16 |
CTP with QBE |
$429.28 |
- |
2023-10-16 |
Rego |
$582.55 |
- |
Estimated yearly running costs
Estimated in September 2023, annual values unless specified.
- Rego: $556
- Registration: $70
- Motor vehicle tax: $486 (1505-2504kg vehicle)
- Expires 10th November
- CTP: $420
- This is with QBE via the dealer, we'll see if they keep good prices too
- Comprehensive insurance: $1160
- This is with Suncorp via the dealer, we'll see if they can keep decent prices or not after first year
- 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)
Call it $19080 per year.
- Monthly: loan, tolls, NRMA, fuel, small maintenance
- Yearly: rego, CTP, comprehensive, servicing
Breakdown to monthly costs
These total to $1590.50 per month.
PAYG monthly
- Loan: $1008
- Tolls: $100
- NRMA roadside: $10.50
- Fuel: $240
- Smaller maintenance: $12
Pay $1370.50 each month.
Big hits averaged per month
- Rego: $46.34
- CTP: $35.00
- Comprehensive insurance: $96.67
- Servicing: $41.67
Put aside $220 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.