Kinnnnniggit

[ithika]

And Giant Plastic Chess

Had a jolly day of Fremantle galivanting, with marmot_pie, louisthefly and Corey. Giant Chess playing ensued, and it was good. I played Corey and lost, though not quite as spectacuarly as I have in the past, then Louis and Corey played for something like two and a half hours and Louis won. It was good, we had a crowd and everything. Very suspenseful.
Then we had lunch, I had Jesters, sweet, sweet Jesters, and everyone else ate other things. We discussed literature and writing! It was so arty and grand. Then we checked out this mighty classy bookstore, the one that is...just how a new bookstore should be. Then Danika had to go avay :(
Afterwards, Louis, Corey and I went and had ice-creams, I got meself a lemon sorbet, and it were wonderful, and then we went home.
It was a good day, made not too cold at all by my loveleh coat *grins*.

When I got home, decided to take Bonnie for a walk [and she was so, so happy. Hehe. On the way back, talked to a car salesman dude, who started off by commenting on what a lovely looking dog Bonnie is. Anyway, as the dude was a car salesman, I asked what kind of cars they have what are good fer first time car buyers, and apparantly the kind of car I would like is around the $10000 mark, which is my upper boundary, certainly, but I'd rather pay more than I would like for a car to start off with than pay $3-4000 for a bomb and then spend a SQUILLION dollars on fixing it up, if you know what I mean. Turns out that particular place has a fixed interest rate of 12% for 18-21 year olds and suchlike, which means [if I remember what fixed interest means, which I think I do] that I'd only be paying $1200 of interest, making the car $11200 to all intents and purposes, which really isn't that bad. For 60 months, so five years. Of course, I'll look around, and of course, I'd like to, I dunno, either be working more hours, and earning, I reckon at least $200 a week at work, or have a better paying job, and have at least... I reckon a grand saved up before I'd even think of getting a loan on a car, because I don't like the prospect of a loan. And if I were willing to work full time for say a month of the summer break, I think I could pay off about three to four thousand dollars in one go, which would be well sweet. But yes. I'll be shopping around for better deals first. If I could somehow manage a car-and-loan-interest thingy where it ended up costing $10000 all up that'd be sweet. But yeah. Whatever. Does anyone what knows things have suggestions?

Oh! Inspired by an MSN conversation with tattered_pinion yesterday, I have drawn a Greater Doom Llama!

I go now.

Comments

[maelkann.livejournal.com]

The Lesser Doom Llama is sad.

[bloodied-aura.livejournal.com]

Aww, a Lesser Doom Llama?
Well, if you've already gained the status of a Lesser Doom Llama, it won't take long to climb up the ranks past Doom Llama and into Greater Doom Llama...

[maelkann.livejournal.com]

But Lesser Doom Llamas need love! Draw one! :D

[bloodied-aura.livejournal.com]

Ohh... okay... I will try :D hehe.

[http://users.livejournal.com/drayke_/]

which means [if I remember what fixed interest means, which I think I do] that I'd only be paying $1200 of interest, making the car $11200 to all intents and purposes, which really isn't that bad. For 60 months, so five years.
Sure it's not 12% Per Annum, ie. having paid nothing after: cost:
year 1 - 11200
year 2 - 12544
year 3 - 14049.28
year 4 - 15753.20
year 5 - 17623.42
That's just compounding Annually. The 'fixed' part of the interest rate means that it can't change. If interest rates go above 12% then you're safe. Unless we go into a seriously insane recession (or boom, cbf remember which) over the next few years, that's not going to happen.

I have two bank accounts (and have done for ages), one "savings" account which all of my money goes into and one savings account which I transfer money into every now and then and is *never* touched. I'll bust that open when I want to make a large aquisition (such as a car) and only then. The money in there is earning a bit of interest but nowhere near enough to do anything with.

drayke_'s tip: Save up as much money as you can first. Not only will you have to pay to buy the car but they are bloody expensive to maintain. I only quickly read over your post but if you're going to be driving it a lot, don't forget the Petrol costs and oil and services and ... The list goes on.

[http://users.livejournal.com/drayke_/]

also, <3 Drawing.
to a lesser extent (maybe <4) <3 stats.

[bloodied-aura.livejournal.com]

*grins* Thankeees!

[bloodied-aura.livejournal.com]

Thankyou for all the info.
Yeah, the compound interest was what I was expecting, and if I were to buy me a car I'd make sure to check all that sort of stuff thoroughly ^_^

Yeash... is that with Westpac? I have one of them, but [for some reason] I never thought to use it for saving for a car, so I might do that. Heheh.

Thankee... Yeah... petrol... oil... services *weeps*
That's why I'm entering the West Australian competition.. I'm hoping to win a car and a years worth of petrol. Like it's going to happen, but hey! It'd be nice, hehe.

[http://users.livejournal.com/drayke_/]

haha, actually it's with Commonwealth :P
Mine isn't specifically for saving up for a car, but yeah, a car is as good a reason as any.

Gluck with that :P

[bloodied-aura.livejournal.com]

Thankeh ^_^

hi

[(Anonymous)]

hello, i found you.. when i was surfing the internet for an invader zim picture, isn't that weird? your journal seemed interesting when i read it, you sound like a pretty funny person. so i figured i'd let you know. i also listen to the the same music, you should check out this group, thier called RX BANDITS (Really good). i like to meet new people and be random, so your probably thinking i'm wierd. Later, Maria Fernanda R.Peralta

Re: hi

[bloodied-aura.livejournal.com]

Hello!
Yes, that is strange isn't it? Maybe my LJ is just the most reguarly updated, and thus at the top of the search engine? Hm. Curious!
Thankyou, I like to think I'm at least passing interesting. *grin* And funny too, why thankyou.
I will... RX Bandits hey.. iiinteresting.
Naw, wierd is the new cool. Or something.
~ Ghan