Saturday, July 16, 2022

Can I afford a new car?

Did you know our car is as old as my eldest son? He's 12 this year and so we've had our Zoom-Zoom (that's what we named our little Mazda 2) for a dozen years! Since we live within 5 kilometers of everything we need, our mileage is pretty low. Even before the pandemic, my husband and I have been working from home and we only used the car on weekends, when the family needed to go out. And then the last 3 years happened when the whole world stayed home.  

So Zoom-Zoom runs perfectly well, is still shiny, and has new tires. It's still practically perfect!


And yet my husband says it's time to buy a new car. In this economy? With the skyrocketing gas prices? In a pandemic when we're all working and studying from home anyway? Yes. Because our boys will be teenagers soon and (1) they won't fit in our little car and (2) they're going to need a car for all the busy activities of teenage life.

Naturally, the car that we're buying next will be an electric car. I'd like to say we're woke (yes, let's save the planet) but the real reason is cost. The electricity used to charge an electric car is cheaper than the cost for gasoline. And, yes, let's save the planet!

Even Bloomberg says that 2022 is the year to buy an electric car. While an EV is still not the most popular kind of vehicle that drives down our roads, with the rising gas prices and climate change, if we must buy a car, the car to buy should be electric because that's the future. Plus, Bloomberg points out that "The average length of time drivers hold onto new vehicles is 6 years [it's not 12???]. So if you're buying a new vehicle in 2022, you should be thinking about the market for used cars in 2028 or later."



So my husband and I were looking at According to Tatler, these electric vehicles (EVs) are available here:

Nissan Leaf - Php 2.8 million
BYD E6 - Php 4.2 million
Porsche Taycan - Php 4.3 million
Lexus RX 450h - Php 5.4 million
Jaguar I-Pace - Php 7.6 million

Whew! 

Let me just say that when we bought Zoom-Zoom in 2010, we did not even breach the 1 million mark and were able to pay in cash. But with those prices mentioned above, how we can afford a new EV on top of all our current living expenses? The kids' tuition alone is daunting. And here we are thinking of adding a car loan to our expenditures!

Luckily I found an online tool that gives me an idea of how we can pay for a new car: https://www.carpaymentcalculator.net

The calculator works with just about any scenario, whether it's a new or used car, whether you trade in or not, etc. I like the site because the calculator makes everything instant. I can quickly see the amount I need to pay for monthly installments. For example, if I choose to get the Nissan Leaf, it will look like this:


Actually, I'm not sure about all those figures yet. I need to check with the bank on what the correct rates are. But let's just say those are the numbers and I can confidently say that I can't afford a new car this year hahahahaha

Good heavens. So thank you, Car Payment Calculator, for letting me know this sobering fact right now. 

Still, if ever we do buy a new car, it will definitely be electric!


*Photo by Eren Goldman on Unsplash

Saturday, July 02, 2022

7 kinds of kisses

I love when he hugs me from the back, with his arms around my waist, and he twists my head to kiss him. So hot.

Photo by Dainis Graveris

I love when he sniff-kisses my neck like a grandma and murmurs, "Mmm. You smell good." So sexy.

Photo by Kadarius Seegars

I love when his hands are in my hair. He rarely does this. He's a body hugger, not a head-grabber. But the few times he's done this, I was thrilled no end.
Photo by Dainis Graveris

I love hugs, too. I'm a huge hugger! The bigger, the tighter, the better. I like being swallowed up in his arms. I feel safe and loved. And I like to feel his heartbeat on my cheek and his kiss in my hair. It feels like home.
Photo by Becca Tapert

I love ambush kisses while we're working, cooking, doing chores. He doesn't because he doesn't like getting distracted when he's focused. So I always attack him with hugs and kisses while our kids look at us, mortified and laughing at their yucky parents. So funny!
Photo by Toa Heftiba

I love licks. He thinks we're about to kiss and then I quickly lick him and he yelps. He always protests. I like it when he protests and he says, "You're so kulit!" But I can see that no matter how kulit I get, he'll never get mad at me. It's my superpower. He never gets mad at me.
Photo by Mia Harvey

I love when we laugh while kissing. Even though teeth get involved. It's so fun. Laughing while kissing the one I love. Can anything be better?

I love kisses!