<> = 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) * 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.