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Size: 1764
Comment: running cost estimates
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Size: 3186
Comment: update all annual and monthly cost calculations
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| Deletions are marked like this. | Additions are marked like this. |
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| Estimated at end of 2022, annual cost unless specified. | <<TableOfContents>> |
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| * Rego: $556 * Registration: $70 * Motor vehicle tax: $486 (1505-2504kg vehicle) * CTP: $420 * Comprehensive insurance: $1160 |
= Spending record = This is bigger ticket stuff, not regular consumables like petrol and tolls. ||<rowbgcolor=lightblue rowstyle="font-weight: bold"> 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 || = 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 || - || || 2024-10-20 || CTP with QBE || $453.29 || - || || 2024-10-20 || Rego || $625.00 || - || = 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 |
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| * Tolls: Averaging $72/mon at the moment * NRMA roadside assistance (renew in mid-April): $110 * Fuel: $180/mon (guess) * Maintenance (eg. tyres, etc): $220 (wild guess) * Loan: $1000/mon |
* 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) |
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| Call it $18000 per year. | Call it $19080 per year. * Monthly: loan, tolls, NRMA, fuel, small maintenance * Yearly: rego, CTP, comprehensive, servicing |
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| === PAYG === * Loan: $1000 * Tolls: $72 * Fuel: $180 * Smaller maintenance: $18 |
These total to $1636.88 per month. |
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| Pay $1270 each month. | === PAYG monthly === * Loan: $1008 * Comprehensive insurance: $134.38 * Tolls: $100 * NRMA roadside: $10.50 * Fuel: $240 * Smaller maintenance: $12 |
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| === Big hits === * Rego: $46.34 * CTP: $35.00 * Comprehensive insurance: $96.67 |
Pay $1504.88 each month. === Big hits averaged per month === * Rego: $52.08 * CTP: $37.77 |
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| * NRMA membership: $9.17 | |
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| Put aside $230 each month. | Put aside $132 each month. |
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| Assume 1000km per month, and a mileage of 8.5L per 100km. That's 85L per month, and assume a price of about $2.00/L at worst. | 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. |
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| That's $170/mon for petrol, round up to $180/mon to give some slack in budgeting. | That's about $225/mon for petrol, round up to $240/mon to give some slack in budgeting. |
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 |
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 |
- |
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)
Call it $19080 per year.
- Monthly: loan, tolls, NRMA, fuel, small maintenance
- Yearly: rego, CTP, comprehensive, 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.