Spending record

This is bigger ticket stuff, not regular consumables like petrol and tolls.

On-road costs

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.

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.