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Opinions/Advice

j.owen said:
If you were 21 and had 15k to spend, would you buy a MY16 1.8T Ibiza Cupra for 14.5k or a MY14/15 280 with 5-20k miles on it for 17-19k?
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If you only have £15k then the Ibiza is the only option. The 280 is obviously the better car but costs more to buy, insure and run so depends if you can also keep up with those costs.

No point in stretching way over your budget to find your struggling to put fuel in the car.
 
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kazand said:
Maybe because you posted this in the Leon section? :) and it'll be past their bedtime anyway... :whistle:
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Oh I know, I've asked about it in the Ibiza section multiple times in the past and as far as I know there is only 1 owner who is active


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chrisRibiza said:
If you only have £15k then the Ibiza is the only option. The 280 is obviously the better car but costs more to buy, insure and run so depends if you can also keep up with those costs.

No point in stretching way over your budget to find your struggling to put fuel in the car.
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I have £15k cash so could easily finance/get a loan for £4/5k... Surely?

Appreciate the fact it'll be more to run, just weighing it up, because if I did get a 280 I would have blown my savings! (More so than a Ibiza Cupra)

Also looking into leasing again, Cupra 290 Blacks are £170pm with 2k down for 10k miles on lease4less last time I checked



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You wouldn't get the Ibiza, you'd get a fiesta st, because it's a better car.

If you can extend your budget then a 280 would be better in my opinion.

I got a fiesta st3 brand new in March - sold it already at 5 months old. I've ordered a cupra 290 black which will arrive in October hopefully!


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Jarre said:
You wouldn't get the Ibiza, you'd get a fiesta st, because it's a better car.

If you can extend your budget then a 280 would be better in my opinion.

I got a fiesta st3 brand new in March - sold it already at 5 months old. I've ordered a cupra 290 black which will arrive in October hopefully!


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Respectfully, no, no way. I really dislike Fiesta ST's - Had this discussion on the mk5 Ibiza forum plenty of times. I just think both the interior and extra and ugly, I don't doubt they're a better, more involving drive but I can't get past the looks. Also, they're ridiculously common, whereas I've only ever seen one Ibiza Cupra where I live.

I think I'll go for the 280, by the time my lease comes to an end and I have to look for a new car they'll be cheaper, especially once the facelift comes out I think... Or lease one.


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I agree, stupidly common, I personally found the ride too firm for day to day driving and the interior was a little ugly. But when you're wanting to go down a country road fast the handling doesn't get much better than an ST.

I also found it too slow having been used to 300bhp edition 30 as my previous car.

I prefer the size of the Leon to the fiesta/Ibiza, they're too small. You also get a massive power increase in standard terms and a lot of tuning options available. If you can afford to get a 280 or 290 on lease it's the way to go I think!


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Boring answer alert.

If I were talking to my 21 year old self (45 tomorrow!!!) I would be strongly advising him not to spend 15-19k on a car unless he was very well off indeed. Of course at the time he wouldn't have listened, but he'd be in a much better financial position now if he had!!!

Buy a less fast but fun hatch for far less and use the rest on something sensible?

Boring answer over with.
 
Boring answer indeed.

I turned 22 in January of this year. In March I bought my first home. I also took my first car on PCP in March. In October I will be taking my second new car in one year.

I actually sold my golf edition 30 in February so that I could have a deposit to buy my house with since that car was cash. I sold that, bought the house and decided to pay monthly for a car. I bought the best I could afford at the time but ultimately it wasn't what I wanted. Since then I've had a pay rise hence I can now afford to get a cupra 290 brand new.

If you have no intentions of buying a house you may as well spend the full amount on the car (pointless saving it with the interest rates). If you want to buy a house you may be better looking for a bank loan or leasing one!

Edit: forgot to add that before buying the house I almost went and bought a brand new Audi S3 Saloon at a cost of around £600 a month with intentions of living with my parents. So glad I listened to them and bought a house instead of spending it all on a car!


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Jarre said:
I agree, stupidly common, I personally found the ride too firm for day to day driving and the interior was a little ugly. But when you're wanting to go down a country road fast the handling doesn't get much better than an ST.

I also found it too slow having been used to 300bhp edition 30 as my previous car.

I prefer the size of the Leon to the fiesta/Ibiza, they're too small. You also get a massive power increase in standard terms and a lot of tuning options available. If you can afford to get a 280 or 290 on lease it's the way to go I think!


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So I've heard mate, can't say I'll ever be in the market for one!

And yeah exactly, just worked it out and in comparison to what I'm paying for a two year lease on a 1.2tsi Ibiza SC FR Black it's (only) an extra £800 deposit and £38 per month, which is ridiculously good IMO - Especially for the amount of car you'd be getting


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nicknameless said:
Boring answer alert.

If I were talking to my 21 year old self (45 tomorrow!!!) I would be strongly advising him not to spend 15-19k on a car unless he was very well off indeed. Of course at the time he wouldn't have listened, but he'd be in a much better financial position now if he had!!!

Buy a less fast but fun hatch for far less and use the rest on something sensible?

Boring answer over with.
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I'm not very well off but I've saved £15k after three years of working, purely because I don't have anything else to spend it on!

The only 'sensible' thing to spend it on would be a mortgage but I don't plan on that kind of responsibility for another few years at least!


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Jarre said:
Boring answer indeed.

I turned 22 in January of this year. In March I bought my first home. I also took my first car on PCP in March. In October I will be taking my second new car in one year.

I actually sold my golf edition 30 in February so that I could have a deposit to buy my house with since that car was cash. I sold that, bought the house and decided to pay monthly for a car. I bought the best I could afford at the time but ultimately it wasn't what I wanted. Since then I've had a pay rise hence I can now afford to get a cupra 290 brand new.

If you have no intentions of buying a house you may as well spend the full amount on the car (pointless saving it with the interest rates). If you want to buy a house you may be better looking for a bank loan or leasing one!

Edit: forgot to add that before buying the house I almost went and bought a brand new Audi S3 Saloon at a cost of around £600 a month with intentions of living with my parents. So glad I listened to them and bought a house instead of spending it all on a car!


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As mentioned, I don't fancy buying a house for a good few years yet, but I've never not had a few grand banked since starting work so I'd hate to not have anything there

That's another bonus of leasing I suppose as I'd always have a lump sum, not to mention I tend to get bored easily


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I said it was boring, but it's also true. Wrong forum but people of my age and above really have had it relatively lucky with wages, work related pensions, an element of job security and the like.

Prospects for people your age are much less secure. Add in culture of spend it now think about it later and it's a recipe for a long and hard working life, unless you manage to make a packet, which most do not.

Amazing job to have 15k savings at 21.

BTW interest rates on savings in real terms (i.e. factoring in inflation) are better than they have ever been.
 
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