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Written by Aaron Brigatti  
Saturday, 26 September 2009

Wahoo, a week has flown by and I will hopefully soon become an owner of a nice Audi A3.  Paperwork is all in, servicing manual, MOT certificate, road-tax, spare key, money in my account...just need to get to Crawley without any mishaps!

We decided on a cash-purchase, so I borrowed the money from my mother, and will pay her back with interest - must as well give the interest to a family member rather than Audi.  Their finance deal worked out to be around 4.3% annual interest (12.9% APR), and although it only worked out to be £384 a month repayment over 2 years...that equated to about £30 a month for the interest, I could just pay back to my mum instead!  Makes sense, so decided to do a cash-purchase and buy the car outright from Day-1. Though I would have more a financial management viewpoint cover it myself, just need to set-up the standard order to transfer the repayment each month!!

So I owe my mum a lot - to help with the house purchase and the car.  But the latter is less of an issue, as I would have to pay the money plus interest to someone, she just preferred this to be with her.

The insurance was a consideration though, increased by another 100 quid.  I think it was the name (Audi) and the model (Sports) that probably influenced this...grrr...price to pay for a car like this then!  Hopefully, it will come down over the next couple of years!!


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