The big VITZ

[Azor_Ahai]

@Elgin

Hii vitz yangu siuzi. Liwalo liwe!

Usiuze. Anza side hustle kama hauna. Kama unayo i-boost. Sasa una gari, you have no reason ya kutokuwa na side hustle - after all hutumii matatu.

[denis_young]

Enjoy your car brother lakini it is a liability. It just facilitates movement nothing more.

[Karoga]

A car should only consume no more than 15% of your income,Mimi sioni 10500 shs zikimanage ku run a car ,hii tumia Kama Uber money,my fren as you invest to own a car in the future.

[Mawaya]

Congrats are in order for being proud of what you can afford.
There are many ‘my car’ types who wouldn’t be caught dead mentioning the type of car they own.

[john_doe]

@Azor Ahai

Kabla mnichinje let me tell you some simple facts msinichukie bure. The salary of a high school teacher is public knowledge. They don’t net anything above 70k. In an urban setting where you are a tenant and buy all the food you consume, if you buy a car with that level of income you will live from paycheck to paycheck with zero savings/investments. You MUST have a meaningful side hustle to make sense of owning that car. That is my observation from real life examples:

• My uncle had to sell his car and start a bookshop in order to afford having a car and saving/investing. Now he needs that car to monitor his business in between classes because he has to rush to town to check on things. Also uses the car to restock the business etc.
• His friend (also a teacher) has had a subaru for a long time (probably influenced him). But he also has a good computer college as a side hustle.

You get the drift now, right? They have side hustles which double or triple their income. The cars are not pure luxuries because they use them to monitor those side hustles. Wewe bila side hustle na net salary ya below 70k ukienda kununua gari utajiumiza brathe.

Umeongea ukweli

[system]

@Elgin

Hii vitz yangu siuzi. Liwalo liwe!

Going backwards is not an option. Just work harder to maintain your new position in life.

[Kibinda_Nkoye]

@Elgin

Lakini mkuu hii 70k hata niko under, so nitakufa bila kuendesha gari? Kesi baadaye bana.

That was good advice from @Azor Ahai. Take it as challenge to increase your income so that you can “afford” the car

[ChifuMbitika]

@Azor Ahai

Si umesema una side hustles lakini?? Kwa hivyo umedanganya :D:D I am future @Elgin speaking to current @Elgin. That vitz will cost you 30k+ per month in direct and indirect costs of ownership. The question is, can you handle an extra 30k in your expenses (before you had it)?? According to public information, a high school teacher makes 70k per month net or less. You don’t need to be an actuary to know that the car will f**k up your finances big-time because your cashflow is too low.

Don’t be so hard on the kid man. I am sure even with 50k he can afford the Vitz. Let’s say he lives near his working station and needs only a litre per day. That’s only 100 bob per day totalling to 3k per month. Insurance is like 7k per year. DL renewal is like 600 per year. These Toyota coakroaches are very economical with servicing. You might only meet the mechanic like thrice in a year. Sijui hii 30k umefikaje?

[Shemeji_x]

Maaaan…hi ktalk mko na roho chafu. The guy just wants to enjoy his car peace why the hell should you come and dump all this negative energy on the guy…are really that unhappy with your lives that you have to tear down any shred of happiness in other man’s life. Very shameful. Bro do what feels right for you. #loveyours don’t base your happiness on these low lives. Ata ukitaka kuendesha mkokoteni Ni sawa.

[Shemeji_x]

@macho

Furahia for now… A friend Ubered a demio, and said enyewe vitz is shyte… He bought the vitz thinking ati he will get economy n comfort… Vitz is a basic car!.. Mwalimu… Kuja Nairobi, bebwa na vitz, demio na Honda Fit uber, then decide the most comfortable car for that size… N most spacious (fit wins) vitz 990cc ni meffi
… Uliza hata jakipash

Let the guy enjoy his car in peace different people have different tastes and it’s insulting to impose your short sited negative opinions…he didn’t ask for an opinion for which car to buy. I doubt if you can afford a vitz with this nihilism

[Shemeji_x]

@Azor Ahai

Please don’t take this in bad taste, but have you calculated the cost of owning that vehicle? I am not trying to ruin your good life, but to provide a voice of reason so that you don’t fall into a common money trap in your profession.

You may wonder why I am saying this specifically to you, but it is a classic mistake I observe with teachers, nurses etc basically people who earn less than 100k net and are unlikely to have side hustles with good cashflow. They calculate the cost of ownership of a car but ignore the real costs of owning that car. The real costs of owning a car do not arise from the car itself, but from the convenience it provides. Almost all financial planners and advisers miss this important point.

As you admit, you get more pu**y than you used to, eat more nyama choma, travel to expensive hotels more which people without rides can’t access etc etc. When calculating the initial costs, you may have done your math and seen that you can afford to drive that car. But I am sure you didn’t see those hidden costs of owning it.

If you have enough cashflows from side hustles, you can ignore this advice. However, if you rely solely on a teacher’s income this car will be a classic financial blunder. Check your math again after three months and then decide whether to keep it or not. I come in peace. My point is if you earn less than 100k net income, that car will screw your finances and you can count on that and there is a very high chance you don’t net 100k/month as a high school teacher.

How do you his financial situation? Y do you just assume he’s a teacher? Just be happy for guy or brag about your “big car”

[Shemeji_x]

@Azor Ahai

Brown skin?? Dude. I am dark skin.

I hate bearing bad news but I have seen this mistake among low-earning professionals before. They sell the car within two years and fall behind financially. I don’t know whether he has supplementary income, but if he doesn’t I believe his path will not be any different. There is no harm telling someone to re-examine his decision until he has enough cashflow to own a car and make investments too. A secondary school teacher earns 70k net or less if he is lucky. If you had a brother earning 70k net or less, would you advise him to own a car?? He can own the car but save nothing i.e

no meaningful progress in life.[ATTACH=full]240582[/ATTACH]

The guy isn’t asking for advice of whether to buy a car or not. Yes you make some good points but it was totally unsolicited.

[The.Black.Templar]

@Elgin

Hii vitz yangu siuzi. Liwalo liwe!

why are you justifying yourself to a total stranger!? enjoy your life my friend achana na standards hazina mbele wala nyuma and advice that you never asked for!

[Shemeji_x]

@denis young

Enjoy your car brother lakini it is a liability. It just facilitates movement nothing more.

Maybe for you it’s a means of transport but depending on where you are in life it might mean much more. The car has enabled a brother get more p**sy and that’s a positive if you ask me.

[Shemeji_x]

@Karoga

A car should only consume no more than 15% of your income,Mimi sioni 10500 shs zikimanage ku run a car ,hii tumia Kama Uber money,my fren as you invest to own a car in the future.

You guys just don’t get the point. Of what use will it be for him to save and slave all his life so that he can buy a Prado when he’s 90? I 'll take a tuk tuk any day in my teens over a Bugatti in my 80s

[Azor_Ahai]

@ChifuMbitika

Don’t be so hard on the kid man. I am sure even with 50k he can afford the Vitz. Let’s say he lives near his working station and needs only a litre per day. That’s only 100 bob per day totalling to 3k per month. Insurance is like 7k per year. DL renewal is like 600 per year. These Toyota coakroaches are very economical with servicing. You might only meet the mechanic like thrice in a year. Sijui hii 30k umefikaje?

You, like most people, ignore the indirect costs of owning a car. Those are the costs that you don’t see in that simple calculation. You can’t own a car and live exactly as you used to before owning it. Utajipata una shughuli mingi mingi because you are mobile. Road trips, expensive restaurants, more beer and nyama choma, more women, more trips to the mall etc. Did you count this?? There are invisible costs of owning a vehicle and if you have one you should know that already. The car itself may consume 15k per month from fuel, parking, carwash, simple repairs etc etc. The other 15k will come from lifestyle creep, not the car itself. You will even visit your parents more often than you used to which is good, but also costs money.

[ChifuMbitika]

@Azor Ahai

You, like most people, ignore the indirect costs of owning a car. Those are the costs that you don’t see in that simple calculation. You can’t own a car and live exactly as you used to before owning it. Utajipata una shughuli mingi mingi because you are mobile. Road trips, expensive restaurants, more beer and nyama choma, more women, more trips to the mall etc. Did you count this?? There are invisible costs of owning a vehicle and if you have one you should know that already. The car itself may consume 15k per month from fuel, parking, carwash, simple repairs etc etc. The other 15k will come from lifestyle creep, not the car itself. You will even visit your parents more often than you used to which is good, but also costs money.

What if he decides not to engage in all these associatiated activities by being disciplined enough. I know of many folks who have cars but they are frugal as hell.

[Azor_Ahai]

@Shemeji_x

How do you his financial situation? Y do you just assume he’s a teacher? Just be happy for guy or brag about your “big car”

He is a teacher. Anyone who has lurked in this forum long enough knows that. He even posted ametoka set-books. What else do you need to know that??
I am challenging mwalimu to start a side hustle if he doesn’t have one because a teacher’s income cannot sustain a car and leave room for savings.

[Azor_Ahai]

@ChifuMbitika

What if he decides not to engage in all these associatiated activities by being disciplined enough. I know of many folks who have cars but they are frugal as hell.

Read his first post again. He is very happy about getting more pussy nowadays. Very few people can avoid the temptation and lifestyle that a car exposes them to. Unless you are a robot, lifestyle will creep for most people and it is human nature.

[ChifuMbitika]

@Azor Ahai

Read his first post again. He is very happy about getting more pu**y nowadays.

Kwani hujui yeye ni mkamba na wakambodia wako addicted na hii kitu sana?