At least someone who provides realistic figures for the car. You forgot the loss of value + acquisition costs (of which the portability costs).
If car / driving has no emotional value, take the cheapest used car and TK insurance. Then it will just be reducible to 200-300€ p.m. incl. opportunity costs.
Personally, I just see it like this: if I'm working ~1 month a year just for the car, it should be reasonably nice and I shouldn't have to worry about it at all.
Now I might get stoned again. I have a car subscription / leasing MG E- car 320€ per all incl. tire maintenance etc. E xkl. electricity (15k km p.a.). + 4-9 € electricity 100/km. = ~400€ p.M. and no matter what is just drop it off at the garage. So round about 32 cents / per km.
Of course I could have bought a used car for 15-25k.
The liquidity is of course invested.
If car / driving has no emotional value, take the cheapest used car and TK insurance. Then it will just be reducible to 200-300€ p.m. incl. opportunity costs.
Personally, I just see it like this: if I'm working ~1 month a year just for the car, it should be reasonably nice and I shouldn't have to worry about it at all.
Now I might get stoned again. I have a car subscription / leasing MG E- car 320€ per all incl. tire maintenance etc. E xkl. electricity (15k km p.a.). + 4-9 € electricity 100/km. = ~400€ p.M. and no matter what is just drop it off at the garage. So round about 32 cents / per km.
Of course I could have bought a used car for 15-25k.
The liquidity is of course invested.
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@Papiertiger I think that's completely fair. There are a few truisms that are simply not true across the board. For example, this "renting is giving money to the landlord" - yes, but if you've always moved every two years, as we've done until now, the additional costs of the purchase alone would have exceeded the rental costs.
It's the same with cars. There is a point at which your own time and mobility security are more important than "paying off" a used car and then owning it. As arrogant as it sounds, €400 per month is no longer a major expense for many people here. That may be different for the general population and I am aware of my privilege, but you can seriously think about it.
We were able to take over a very good used 2018 Mazda from the family, practically new with 8,000 km, which is more than enough for us. I don't think we'll ever give it up, it's more likely to become a second car or something.
It's the same with cars. There is a point at which your own time and mobility security are more important than "paying off" a used car and then owning it. As arrogant as it sounds, €400 per month is no longer a major expense for many people here. That may be different for the general population and I am aware of my privilege, but you can seriously think about it.
We were able to take over a very good used 2018 Mazda from the family, practically new with 8,000 km, which is more than enough for us. I don't think we'll ever give it up, it's more likely to become a second car or something.
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