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Forums › The Car › 206 Talk › Money Decisions - Somebody help me I cant make my mind up...


 
 

Money Decisions - Somebody help me I cant make my mind up...
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LeeThr
PostPosted: Wed Apr 27, 2011 6:24 pm Up
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Joined: Feb 24, 2010
Posts: 2596
Trade Rating: +17
Location: North West Wales


Well ive finally got myself a job and will soon actually have some money to play with. Rather than looking around for my last coin to put a bit of fuel in it haha. But thats not the dilema.

My little 1.4 really is on it's last legs. Nothing wrong structually but the bodywork's looking a bit tired. Engine's okish but could do with a major service. Possibly even a partial stripdown and rebuild. Somethings knocking on the suspension. Also the gearbox is winning and is slowly getting worse. So overall not great. It's drivable, nothing wrong with the way it drives apart from the usual french gear linkage issue. It's just not very enjoyable to drive with all the squeaks, ratlles & lack of power. Also the fuel it drinks just isnt right for the lack of power as well. So it's starting to become a money pit if I try and carry on with it.

However I am fancying a 206 XSI. At least it would have the power to compensate for the crap fuel economy. Insurance isnt an issue for me as it's only £100 more for the year than my 1.4.

I just cant decide what to do. I know it's gonna take a while to save up to do either. But it's just where do I put the money? Do I throw it at the devil I allready know? Or do I go into the unknown and buy an XSI?

What would you do? Any advice/opinions welcomed.
Thanks

 


gogs_macaulay wrote:
LeeThr wrote:
One Hundred million bazillion gatrillion pink rupee's
Shut it u stupid little f**k, what's the point in posting in all my treads being such a c***? Least I can afford a gti180, and to get the cam belt done!

So apparently everyone knows my financial situation? If I wanted a 180 I would have bought a 180 simples Smile

The garage
2003 - 206 GTi 138 - Moonstone Blue
2003 - 406 Coupé 2.2 HDi SE - Hyperion Blue
2000 - 206 2L HDi D-Turbo ECO - Cherry Red
1999 - 306 GTi-6 - Blue (haven't worked out if it's Nile or China yet)
1987 - 205 GTi 1.9 - Graphite Gray

I must be mad.....
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Jordan_xsi
PostPosted: Wed Apr 27, 2011 6:27 pm Up
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Posts: 2670
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Location: Ipswich


Buy an XSi, you wont be dissapointed!
PM me for Valeting & Detailing services at great rates!
Detailing Guides are also available ask me for more information.
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LeeThr
PostPosted: Wed Apr 27, 2011 6:30 pm Up
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Location: North West Wales


I really want to drive one, evem if it's just around a car park to get a feel for them. I know the potential of those engines as well.

How much did you pay for yours if you dont mind me asking? And what was the millage?

Ideally I want something with sub 90K on the clock, prefrably the leather interior allthough it's not a deal breaker. What is though is the colour I just dont want resale silver or show all the crap black.

 


gogs_macaulay wrote:
LeeThr wrote:
One Hundred million bazillion gatrillion pink rupee's
Shut it u stupid little f**k, what's the point in posting in all my treads being such a c***? Least I can afford a gti180, and to get the cam belt done!

So apparently everyone knows my financial situation? If I wanted a 180 I would have bought a 180 simples Smile

The garage
2003 - 206 GTi 138 - Moonstone Blue
2003 - 406 Coupé 2.2 HDi SE - Hyperion Blue
2000 - 206 2L HDi D-Turbo ECO - Cherry Red
1999 - 306 GTi-6 - Blue (haven't worked out if it's Nile or China yet)
1987 - 205 GTi 1.9 - Graphite Gray

I must be mad.....
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Jordan_xsi
PostPosted: Wed Apr 27, 2011 6:38 pm Up
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Location: Ipswich


If you didnt live in Wales id let you have a wee spin, there not crazy powerful but there good considering the insurance and MPG etc. Mine was £2700 with roughly 70k on the clock, i got it about a year and half ago. It was a little more than i wanted to spend but when i saw it i fell in love, so much so it came all the way up from Portsmouth Laughing Well mine is EZR which i like because it goes with most things but as a keen detailer its well boring lol, in future i'd have flamenco red or black on a 206.
PM me for Valeting & Detailing services at great rates!
Detailing Guides are also available ask me for more information.
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Addaz
PostPosted: Wed Apr 27, 2011 6:39 pm Up
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Tbh, 1.4's are the worst ones on full in the range

Just asking how old are you? Years no claims, etc

As i wouldnt mind upgrading the engine to an xsi maybe Wink

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LeeThr
PostPosted: Wed Apr 27, 2011 6:44 pm Up
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I am 18 (only just b'day is 1st April) insurance renewal due in June when I will have a years no claims.
Yer the 1.4 really is crap. Like I cant fault it if im honest. It's never let me down, never failed to start. Did superb in the snow, got to all sorts of places hardly anybody else could. It's been a great first little car and does hold a lot of memories allready. Reason why it's not getting sold. It's just now i've got some experiance on the road (ok not a lot) I just would like something a bit faster. Living where I do in the mountainous regions of North Wales. Im on backroads quite a lot, so when you get stuck behind tractors/tourists/people who cant do more than 33mph. There's allways some kind of gap and I just sit there knowing if I had another 10bhp I could safely overtake. But I just cant how it is.

 


gogs_macaulay wrote:
LeeThr wrote:
One Hundred million bazillion gatrillion pink rupee's
Shut it u stupid little f**k, what's the point in posting in all my treads being such a c***? Least I can afford a gti180, and to get the cam belt done!

So apparently everyone knows my financial situation? If I wanted a 180 I would have bought a 180 simples Smile

The garage
2003 - 206 GTi 138 - Moonstone Blue
2003 - 406 Coupé 2.2 HDi SE - Hyperion Blue
2000 - 206 2L HDi D-Turbo ECO - Cherry Red
1999 - 306 GTi-6 - Blue (haven't worked out if it's Nile or China yet)
1987 - 205 GTi 1.9 - Graphite Gray

I must be mad.....
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Jordan_xsi
PostPosted: Wed Apr 27, 2011 6:56 pm Up
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Mine was an 18th birthday present so its certainly not unreasonable to have one at 18 and i imagine insurance is alot cheaper in your neck of the woods. I was in a similar situation to you in as much as i had a 1.4 rover 200 which was a great car to get some experience in but i soon wanted something more stylish and with abit more go.
A XS would be cheaper to consider but you dont get the all the extras the XSi has i.e side airbags, sports seats etc and obviously the bit of extra power.
I'd say if you can afford it go for it, take a couple out for test drives if you want to see what there like.

PM me for Valeting & Detailing services at great rates!
Detailing Guides are also available ask me for more information.
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LeeThr
PostPosted: Wed Apr 27, 2011 7:00 pm Up
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Location: North West Wales


I think i'll be avoiding the XS. My heart really is set on an XSI. It's jsut getting the right one for the right money I geuss.
Insurance on my 1.4 is £1367 for an XSI it's £1437. In my name Smile
Haha, yer wish I was a bit closer. It's one thing with being up here im miles away from everyone.

 


gogs_macaulay wrote:
LeeThr wrote:
One Hundred million bazillion gatrillion pink rupee's
Shut it u stupid little f**k, what's the point in posting in all my treads being such a c***? Least I can afford a gti180, and to get the cam belt done!

So apparently everyone knows my financial situation? If I wanted a 180 I would have bought a 180 simples Smile

The garage
2003 - 206 GTi 138 - Moonstone Blue
2003 - 406 Coupé 2.2 HDi SE - Hyperion Blue
2000 - 206 2L HDi D-Turbo ECO - Cherry Red
1999 - 306 GTi-6 - Blue (haven't worked out if it's Nile or China yet)
1987 - 205 GTi 1.9 - Graphite Gray

I must be mad.....
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sillyhilly
PostPosted: Wed Apr 27, 2011 7:11 pm Up
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What's the costs of a GTi?

Don't throw good money after bad. If it needs a strip down (emphasis on need) then there's no point. However if it's just preference, then id live with it for another year and then upgrade further than the XSi. If you want more speed already, the same will happen with the XSi. Of course this all depends on how patient you are... Most people aren't on here.

Hi Mikey Smile

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LeeThr
PostPosted: Wed Apr 27, 2011 7:17 pm Up
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GTI the 138 im looking at £3,500 a year insurance. So it's out of the question.
I dont know what to do with it. It's all dependant on how long the gearbox lasts really. If it holds out for long enough for me to get an XSI on the road then i'll get one. But however if the gearbox packs up and I cant get an XSI on the road. I will throw the money at it. But the plan for this one after getting an XSI is to turn it into a track car.

It's not so much the speed im after. I do try and stick to limits as close as possible obviously b roads are a bit different. It's just the power for acceleration im after. Like I said I have lots of hills around me and the 1.4 copes with them reasonably ok. But you do tend to have to drop the box and take it right up to the redline, which kills the fuel economy. It would also mean I could take a few more overtaking oppertunities.

 


gogs_macaulay wrote:
LeeThr wrote:
One Hundred million bazillion gatrillion pink rupee's
Shut it u stupid little f**k, what's the point in posting in all my treads being such a c***? Least I can afford a gti180, and to get the cam belt done!

So apparently everyone knows my financial situation? If I wanted a 180 I would have bought a 180 simples Smile

The garage
2003 - 206 GTi 138 - Moonstone Blue
2003 - 406 Coupé 2.2 HDi SE - Hyperion Blue
2000 - 206 2L HDi D-Turbo ECO - Cherry Red
1999 - 306 GTi-6 - Blue (haven't worked out if it's Nile or China yet)
1987 - 205 GTi 1.9 - Graphite Gray

I must be mad.....
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NICKST
PostPosted: Thu Apr 28, 2011 1:08 am Up
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The xsi is a good fun car I have had two of them the first got written off the first week I had it :(. Had the second one 2 years befoure I got bored off it. And I'm now getting bored of the 180 after 4 years but don't now wot car I want lol.
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focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension.
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JE_180
PostPosted: Thu Apr 28, 2011 1:16 am Up
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LeeThr wrote:
GTI the 138 im looking at £3,500 a year insurance. So it's out of the question..

Holy s**t.... My Gti 180 costs me £660 to insure and I'm only 22 with 0 no claims as this is my first policy of my own Confused

Renault Twingo 1.2 GT TCE, AP Coilovers, 25mm Hubcentric Wheel Spacers (Rear), 16" Speedline Turini Alloy Wheels, Renault Sport Cup Spoiler,, BMC F1 Panel Filter, Forge Dump Valve, Front Mounted Intercooler, K-Tec SS Cat-Back Exhaust System, K-Tec Decat Pipe, K-Tec Remap. 136.6 BHP 154.3 lbs/ft.
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NICKST
PostPosted: Thu Apr 28, 2011 1:25 am Up
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john_e88 wrote:
LeeThr wrote:
GTI the 138 im looking at £3,500 a year insurance. So it's out of the question..

Holy s**t.... My Gti 180 costs me £660 to insure and I'm only 22 with 0 no claims as this is my first policy of my own Confused

Who's that with I'm 25 with 7 years no claims and pay £970.

Image removed due to size

focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension.
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JE_180
PostPosted: Thu Apr 28, 2011 1:29 am Up
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lmao, Admiral mate. They always seem to give me cheap quotes on fast cars, how foolish of them. Could be where I'm living though (postcode SN12 6XN).
Renault Twingo 1.2 GT TCE, AP Coilovers, 25mm Hubcentric Wheel Spacers (Rear), 16" Speedline Turini Alloy Wheels, Renault Sport Cup Spoiler,, BMC F1 Panel Filter, Forge Dump Valve, Front Mounted Intercooler, K-Tec SS Cat-Back Exhaust System, K-Tec Decat Pipe, K-Tec Remap. 136.6 BHP 154.3 lbs/ft.
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Seb
PostPosted: Thu Apr 28, 2011 1:32 am Up
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nick180 wrote:
Who's that with I'm 25 with 7 years no claims and pay £970.

I think you might be getting shafted mate! I pay £1k for both a TT and a VX220 combined.

As for the OP's question: I'd personally wait a bit longer. I stuck with my 206 for 3 years until I bought something I really wanted. It was honestly worth the wait. Only when you can afford to start insuring more expensive cars would I say it's worth starting to chop and change them whenever you wish.

It's unfortunate having to tell younger people they're pretty much stuck with what they have for the first few years of driving, as I know exactly what I was like, but unless your toilet paper is made of bank notes that's normally how it is. You'll be throwing money away otherwise. I vowed I would never pay more than 1.5k per year insurance for whatever I owned and so far that's been stuck to. I think it's mental paying any more than that. It's basically just a weekly fee of £30 just to have the car. Mad!

Don't argue the opinions of idiots.
They will bring you down to their level and win through experience.

Old Cars: VX S/C, Mini, 206 GTi, WhiteVX Project, Z4 3.0i
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