To wonder how the hell people are paying for this?!

[Ifrreoo]

I have an average car and cost to service it is 525. My home insurance has gone up to 450 and my car insurance is 540 (yes I’ve called round endlessly). I have 18 years no claims.

I am a higher earner. I am going to massively struggle to pay for this. I don’t understand how someone on the average income could afford this? Am I going wrong somewhere? Why am i struggling to make ends meet? How do others do it?

My DH does my car himself! But he also has a mechanic friend it he get struck.
Check on an old checklist and check the items yourself.

People saying you don’t need to service your car are talking nonsense. You absolutely do, but the main thing is getting your oil changed. Just go to Halfords or Kwik Fit. If you ignore it you might get away with it for a couple of years but you’ll end up with a much bigger bill down the line when your engine is knackered! It’ll also severely effect the resale/part exchange value when you want to change.

Also on car insurance - it’s very dependent on where you live. I relocated from a city to a small town and my car insurance halved in price, with exactly the same car.

Pay for it monthly & go without other things. Priorities.

1 shared car for the household.

Where's all your money going if you are a higher earner & can't spread that across a year.

It’s so expensive. You’re right op. Even if you do put money aside each month. If you can. Not everyone can.

People that don't have house insurance will either be renting or paid off their mortgage. Mortgage lenders will want the property to have buildings insurance.

Unlikely on a 7 year old car

My car insurance is 220 I have 13 years no claims. My house insurance is 260 a year and we had a 200k claim 4 years ago.
do you go on compare the market or go compare?

My insurance is under £300 and I’ve got 3 points. You can faff around adding and removing other drivers, mileage (low isn’t always best) and make sure you buy it a month in advance. It’s always more if you buy within a couple of days of the policy starting.

I get a service every 2 years. Small local garage - not a dealership. It’s about £300 with oil.

If you don’t have enough upfront then see if you are eligible for a 0% card. We’ve struggle to save for big things the last few years so insurance, glasses, dental goes on a 0% card. I save monthly for Christmas and into an emergency fund

I service my car myself, changed the oil and oil filter last week, checked fluid levels. Installed a cleanable air filter under the bonnet when I bought it and replaced inside air filter. It's now 11 years old and I've had it 8 and it's never broken down. Failed one MOT due to a wiper so every 2-3 years I change the wipers now.
Insurance is £250 inc breakdown and extra cover in case of accident and unable to work.
But I have all mod cons small car, heated seats, auto lights & wipers, android auto etc etc but in a hatchback. Prefer feature to size and I'm not rich enough to justify both.

Would never not get home insurance - that's bonkers, I don't have accident cover, it's for emergencies such as house fires, the big stuff, I wouldn't claim for knocking over the telly.

But yes all prices going up and it's tough, parking permit up 33%, for what? Water up 40% last year, 20% ish this year. Energy set prices is due to end in May that's going to be fun, CT has gone up about £300 over last 8 years. And to cap it all company has been very quiet about April pay rises. Oh an no NHS dentists either.

2017 ford , dealership service is £280 for 100,000 mile service + the £54 Mot.
car insurance £277
house insurance £1200… thatched property (don’t recommend doing this)

We don't have a car, simply can't afford one. Can't afford insurance either. We have about £4k savings and have to hope that if we ever need to replace anything that'll cover it.

The cost of everything is ridiculous. I've never been on holiday in my life and was hoping to before I turned 50 but that was scuppered.

Life feels like a huge expensive slog if I'm honest.

In the old days, you needed to do that every few hundred miles.

FIL used to drive between Turkey and the UK in the 1960s and would change the oil and filters at the side of the road.

You must have an expensive car or a job that insurers don't like? My car, from new (cost me £18k) is only £320 a year insurance. 18+ years of no claims. I just got a renewal quote, gone up 7p.

What? Mine is nothing in comparison for a big detached that had 50k worth of Reno done by the insurance company only 2 years ago!

Then you're an absolute and total fool.

Think you're saving a few quid, but what will you do if there's a bad storm and your roof blows off, or you have a house fire? It can and does happen even in well maintained houses.

The post is how do people afford it, poster is clearly saying they can’t so don’t have those things

not everyone can afford it!!

This.

I've been a high earner for about years now and whilst I roll my eyes and sigh, one off unexpected costs of £500 don't make a financial dent because all my other costs are low.

And you keep saying "just a Skoda" - I had a quick look at Skoda insurance groups and lots of them are 20+. My Toyota Yaris is group 8 and I pay £290.

Which is how it used to be!

If you’ve paid off your mortgage of course you still have insurance - buildings cover at the absolute minimum.

We hardly ever have car serviced. My insurance was about £140 with M&S. Partner's was even less with Aviva. Do you have a v high risk job or live somewhere extremely dodgy?

Go on compare the market

Well most people will, we do but these are the circumstances where people don't have to have insurance, it's their choice

Where the fuck are you taking your car? I just had mine serviced by a local mobile mechanic, full service with oil and filter changes, spark plugs changed etc £191. And he picks it up and drops it back to me. You need to shop around.

Others do it cos there's no bloody choice. We go without. We compromise.
We give up other stuff.
Its not rocket science.
Posts like this piss me off
" oh how do the poor people manage"

Sod off with the faux sympathy

My Skoda 2014 Roomster costs under £300 fully comp with 15 years no claims.