Help: letting go of my Lancer MX

[arvie1]

Mga bossing, my parents gave me my Lancer EX MX last January 2011 as a birthday gift, graduation and board exam gift, kung baga 3 in 1.

Syempre as a noob/newbie when it comes to tsikots, I read many reviews ng iba't ibang oto then I fell into Lancer EX MX, kasi masnaisip ko noon ang PORMA than PMS, Insurance and Fuel, na akala ko ihahandle ng parents ko hangang matapos at mafully paid ang kinuha namin na EX.

So sa tumagal-tagal, ako na ang nagbabayad for fuel then they are planning na ako na din sa insurance for next year. So napapaisip na ako and napapamura sa sarili ko. I'm only a registered nurse and contractual staff nurse sa isang hospital which is mababa lang ang monthly salary, with no benefits pa yun. I cannot handle that anymore if they would let me pay for the insurance.

Hindi ko pa bino-brought up itong matter na ito sa kanila, siguro I need more reasons kung bakit ilelet go ko na yung Lancer EX ko, then bili na lang ng oto na used but not abused at yung kaya ko ang fuel, insurance and maintenance in the long run.

It's hard for me to think na bibitawan ko na ang EX ko, nalagyan ko na ng bodykits then napapaisip pa din ako dahil sa sobrang lupet ng porma, performance at power nito, pero ganun talaga, money matters.

Medyo napupunta na kasi ang gastusin ng parents ko sa monthly ng EX ko, so I am deciding kung ileletgo ko then bili ng used or ipagpapatuloy ko pa ba kahit sa long run eh ako naman ang gagastos para dito.

Help naman mga boss, give me your opinions or mga reasons na pwede kong ipaliwanag sa parents ko kung bakit bibitawan ko na ang EX.

And last na tanong ko mga boss, possible ba na ibenta yung EX tapos itutuloy na lang nung makakabili yung monthly? Paano yung terms nun? Or sa casa na lang namin ibenta or isurrender?

[babynos01]

Sir, hindi mo ba pwedeng ipatanggal insurance? Alam ko, most of them offer it in the first year lang e.
Then the rest, ikaw na magdedecide if you still want to continue it. Well, iba lang talaga kapag insured since new pa yung car mo.

For the PMS, you can talk naman to the SA what the services are, and pwede ka magtanggal like brake cleaning, wheel allignment and rotation, aircon cleaning, etc (Except for the mandatory ones like oil change).

Lastly, alalay sa right foot. I gained approx. 2km/L when I changed my driving style.
The decision is yours though.

[Bogeyman]

Mga bossing, my parents gave me my Lancer EX MX last January 2011 as a birthday gift, graduation and board exam gift, kung baga 3 in 1.

Syempre as a noob/newbie when it comes to tsikots, I read many reviews ng iba't ibang oto then I fell into Lancer EX MX, kasi masnaisip ko noon ang PORMA than PMS, Insurance and Fuel, na akala ko ihahandle ng parents ko hangang matapos at mafully paid ang kinuha namin na EX.

So sa tumagal-tagal, ako na ang nagbabayad for fuel then they are planning na ako na din sa insurance for next year. So napapaisip na ako and napapamura sa sarili ko. I'm only a registered nurse and contractual staff nurse sa isang hospital which is mababa lang ang monthly salary, with no benefits pa yun. I cannot handle that anymore if they would let me pay for the insurance.

Hindi ko pa bino-brought up itong matter na ito sa kanila, siguro I need more reasons kung bakit ilelet go ko na yung Lancer EX ko, then bili na lang ng oto na used but not abused at yung kaya ko ang fuel, insurance and maintenance in the long run.

It's hard for me to think na bibitawan ko na ang EX ko, nalagyan ko na ng bodykits then napapaisip pa din ako dahil sa sobrang lupet ng porma, performance at power nito, pero ganun talaga, money matters.

Medyo napupunta na kasi ang gastusin ng parents ko sa monthly ng EX ko, so I am deciding kung ileletgo ko then bili ng used or ipagpapatuloy ko pa ba kahit sa long run eh ako naman ang gagastos para dito.

Help naman mga boss, give me your opinions or mga reasons na pwede kong ipaliwanag sa parents ko kung bakit bibitawan ko na ang EX.

And last na tanong ko mga boss, possible ba na ibenta yung EX tapos itutuloy na lang nung makakabili yung monthly? Paano yung terms nun? Or sa casa na lang namin ibenta or isurrender?

First off, let me just get this small lecture off my chest: MASYADO ka naman yatang SINUSWERTE kung inaasahan mo na yung parents mo pa ang sasagot sa regular upkeep, fuel and insurance ng Lancer mo, even after they've given it to you as a reward for your milestones. Wala pa nga diyan yung annual vehicle registration na importante din. For all you know, pang-retirement na nila yung ginamit na pambili dyan, tapos ang gagawin mo lang eh magpasarap every day behind the wheel? You did state that you have a job and are therefore able to stand on your own two feet, so the least you could have done was to decide on a car model that is more appropriate for your current means. Nag-research ka na rin lang tungkol sa iba't-ibang modelo ng kotse, sana pinag-aralan mo na din yung mga kaakibat na responsabilidad ng pagiging car owner, kahit cash pa binili yan or installment. It has nothing to do with being a "car noob" or not; it does, however, have everything to do with common sense, which I trust you have plenty of since nursing graduate ka.

Anyway, siguro naman maiintindihan ng parents mo if you do decide to let go of the car they gave, dahil sa hindi mo na nga kaya ang expenses, at siguro din naman, bilang *mabuting anak* eh hindi mo hahayaan na sila ang mabigatan sa paggastos ng luho mo, di ba? There are ways to mitigate some of the costs (choose another insurance company, have your PMS done outside the casa at the expense of voiding the warranty, etc.) but if you do decide to sell the Lancer na hindi pa kayo fully paid, you have to make it clear to the potential buyer that he/she will have to assume the balance on the car's payments. You can also inquire sa casa kung pwedeng i-buy back nila yung unit mo (at a much lower price of course, on account of depreciation) or i-trade in mo na lang for one of their pre-owned models.

Kung hirap ka talagang pakawalan yung Lancer mo, I suggest you keep it na lang. Tutal nakapagpuhunan ka na rin lang kahit papano since napakabitan mo na ng body kits, and consider it an excellent life lesson for you kung paano mag-prioritize ng expenses. Besides, makatarungan lang na sa sarili mong bulsa manggaling ang gastusin para diyan since IKAW naman ang gumagamit at nakikinabang, 'di ba? Happiness now is worth the pain later, and pain now is worth the happiness later. Life goes on.

[olidotcom]

^ +1 ako with sir Bogeyman.

Well for me, first of all is congratulations that you have very loving parents and also I'm sure that they are proud na naka graduate ka and all.

I believe this is the next step of your life-learning.... responsibility.

Sayang naman kung ibebenta mo ang present sayo ng parents mo. If I were in your shoes, I'll treasure it for sure.. aalagaan ko din like what you have done.. but also have the responsibility to pay for what you have put in it.. and taking care of it.

Think about this, good thing is that they are just asking a partial part of the expenses that you incurr sa pag maintain ng sasakyan... as far as I have read.. they haven't given you the 'complete' package of expenses to maintain a car. Im assuming what on your parents' mind is that.. "unti-unti na ibibigay sayo ang mga gastusin.. maintenance muna... next year, insurance, next year after that monthly payments, etc..etc..etc.."

In turn.. you know the value of money that you get from work... you learn how important work is for you.. you learn how managing your hard-earned money is...

I believe its all positive.. - a continued life-learning experience for you my friend.

hope hindi ka ma-offend sa post ko... but I believe you can maintain your car... you just need to 'get out from the circle/box' sometimes.. there are other alternatives so you can fit your budget by removing some "luho" and maybe getting some extra good side-line business in the side as well.

[dr. d]

if i were a parent, and my child comes to me, asking to trade down to a less financially challenging situation, i'd sleep soundly that night.

[SiRbossR]

Talagang maporma ha? Patingen nga ng pics ng EX MX mo bro.

BTT:

Ganun talaga. It's not all sweet to have your own car. In the end, there's always a sacrifice that you'll make for it.

[7138]

Sir TS,
Sorry din,
Pero i agree sa previous post, masyado ka nga umaasa naman sa parents mo,
Honestly, at the back of my head, "buti nga sayo", again, im sorry.

Pati fuel.. Abuso.

Pero im glad atleast ngyon narerealize mo na yung hindi madali magka auto,
Kung ako lang,
Let go nalang and bili ng used car na kaya imantain within MY means.


Another spoiled brat awakened to life's real deal.. Ayus!

[uls]

hehe

ganyan talaga... higher level of living = higher cost

pag di ma-sustain gotta move down

wait...

instead of moving down why not figure out a way to make more money so you can sustain your current lifestyle?

don't move down

where's your fighting spirit?

use that car as motivation to make more money

mag MLM

hehe