The Actual Cost of Owning My Car Every Month: Perodua Axia SE

Posted on by Figuringgitout

A while ago, I read an article in Balkoni Hijau on the True Cost of Car Ownership in Malaysia where he compiled the actual ownership costs for 5 best-selling cars in Malaysia: Perodua Myvi, Honda City, Perodua Aruz, Proton X70, and Honda HRV (spoiler alert: the costs for Perodua Myvi is the lowest while Proton X70 is the highest).

Now I’m curious to see the actual cost that I’m incurring every month in owning, maintaining, and using my beloved Axia SE.

Disclaimer: Whilst Balkoni Hijau explained everything in detail including the differences in the technology of the car (which apparently affects the cost), I’ll keep this post simple because, for the life of me, I couldn’t even differentiate the type and brand of cars that I see every day.

BACKGROUND

A little background, I bought my car brand new in 2018. I was determined to get a cheap car but I didn’t want to get a used one because I didn’t want to deal with the uncertainties of dealing with a problematic used car. So Axia it is.

Fast forward to today after a little over 2 years, my car is still running well. Unfortunately, my bank account is not. What I didn’t realize back then in 2018 was how much money that car needs every month just to be on the road.

Here’s my personal breakdown.

MONTHLY COST

These are the costs that I incur every month.

1. Loan Commitment

My car monthly loan repayment is RM480 per month. To make it easier for my non-math brain, I simply make RM500 payment each month.

Loan payment = RM500

2. Petrol

This varies greatly for everyone. I am however a bit unfortunate in this department because I take long drives everyday for work, roughly 70km per round trip. If I don’t go anywhere else, RM50 would last me a week. That’s a minimum of RM200 per month.

But let’s factor in those occasions where I have to drive for work meetings, social meetups, and weekend outings, and taking road trips to my hometown twice a month – that’s an extra RM100.

In total, I spend around RM300 per month just for petrol. I’m so sorry, that’s a lot of environmental pollution just from one person.

P/s: I did try to take public transport to work but it’s taking so long as I have to drive for 15-20 mins one way just to get to the train station which doesn’t make sense. So that’s that.

Petrol = RM300

3. Toll

I am also very unfortunate in this category. I have to pay for tolls to get to work. I top up my TnG for RM250 and that’s normally enough to cover tolls and occasional parkings at shopping malls.

I know that’s a lot so I want to make it clear. I do want to live nearer to my office but the rent in the middle of the city is just insane. It’s almost impossible for a single lady to get her own space without sharing with others. Now I’m living comfortably and cheaply in my own space although it is far from the office. Sigh, a sacrifice that I’m willing to make.

Toll = RM250

4. Parking

I don’t pay for parking at work or at home. So thank God. Anywhere else, I would usually use my TnG so I never really know how much I spend on parking. If I ever use cash for parking (which is rare), it’s usually less than RM10. So for completeness, let’s include that as well.

Parking = RM10

5. Car Wash

There’s only one benefit of having brothers – you can ask them to wash your car for free. Lol. If you’re able to wash your car yourself, do it lah. It’s saving money and it’s fun playing with water. Aha. But sometimes I do send my car for car wash for RM10 once per month.

And I should also include car air freshener here. If you haven’t figured it out, car air freshener is expensive. And it doesn’t even last that long. If you know what lasts longer, please share with me. And that’s like RM20 per month.

Car Wash & Air Freshener = RM30

PERIODICAL COST

These are the costs that do not come on a monthly basis, but once a year or once every few months. And they are necessary expenses.

6. Car service & maintenance

I’m servicing my car at the Perodua center, every 3-4 months once it hits the preset mileage. The costs differ each time because sometimes it’s a minor service, sometimes it’s a major one.

I’ll just refer to my past car services to gauge the real costs. So in 2018-2019:

  • May 2018 – RM136.65
  • August 2018 – RM162.20
  • December 2018 – RM512.00
  • May 2019 – RM235.50
  • September 2019 – RM406.45
  • December 2019 – RM412.00

Ah, that’s a lot of money – roughly around RM1k per year. I believe the cost is just gonna go higher from now on.

For now, I don’t have any sinking fund for this, but if I were to have one (which I believe I should) I would have to save at least RM100 per month, which may or may not be enough.

Car service & maintenance = RM100 per month

7. Insurance & road tax

I have a sinking fund for this, I save RM100 every month in anticipation of this yearly commitment. In April 2020, I paid RM849 for both insurance and road tax. I heard that this is considered cheap because other cars’ are more expensive. So I’m glad.

Regardless, it would still be difficult to pay RM849 at one shot without a separate saving for this. So sinking fund saves me. Setting aside RM100 every month would get me RM1.2k when the time comes to pay for my car insurance and road tax which is more than enough.

Insurance & roadtax = RM100 per month

TOTAL MONTHLY COST

Oh god, it is insane that I spend this much on my car every month. Mind you, my car is like the cheapest one in the market and it still costs me this much. Fuh. Personally, I could save more on petrol and toll if I live nearer to my office, but the rental cost would be more than both my toll and parking combined.

I want to make it clear that this varies for everyone, depending on your car and usage.

If you’re an owner of a car or two, do your calculations I bet you would be surprised as well by how much you’re paying every month/year. If you’re considering getting a car, I hope the above will give you a general idea of how costly owning a car is. But again, it varies.

Let’s continue figuringgitout.

96 thoughts on “The Actual Cost of Owning My Car Every Month: Perodua Axia SE”

  1. Having a car, even a very affordable seems so expensive to maintain and use it. T_T I don’t have a car of my own, I mostly rely on public transportation. But some days, it gets so tiring to keep standing, switching platforms, fighting through the crowd, facing rough weather (especially in KL)… and to be honest, public transportation is still costly if you add up everything each month. I guess there are pros and cons to everything.

    Reply
  2. Pingback: Figuring Out What Money Means to Me - Figuringgitout
  3. Pingback: My April Highlight: I'm Having a Spending Relapse - Figuringgitout
  4. Pingback: Checking My CTOS Score for the First Time - Figuringgitout

  5. I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.

    Reply

  21. Thanks a lot for providing individuals with such a brilliant opportunity to discover important secrets from this web site. It’s usually very excellent plus packed with amusement for me and my office acquaintances to visit your web site a minimum of thrice in 7 days to read through the newest items you have got. And lastly, I’m so always contented with the astonishing tips served by you. Certain two facts in this article are basically the most impressive I have had.

    Reply

  24. I intended to write you one very little note to be able to thank you very much once again relating to the gorgeous methods you’ve documented above. It was really extremely open-handed with people like you to offer extensively what exactly a number of people might have offered for an e book to make some bucks on their own, especially considering the fact that you could have done it if you considered necessary. These suggestions likewise acted like a great way to know that some people have the identical desire similar to my very own to understand more concerning this matter. I am certain there are numerous more enjoyable situations up front for folks who see your blog post.

    Reply

  29. I would like to get across my appreciation for your kind-heartedness for men and women that need guidance on this one study. Your real commitment to getting the solution across appears to be especially insightful and have all the time made people like me to get to their aims. Your entire warm and friendly publication signifies a lot to me and especially to my peers. Thanks a lot; from everyone of us.

    Reply

  33. I needed to write you a very small note just to say thanks the moment again with your fantastic advice you’ve discussed on this site. This is certainly particularly generous of you to present extensively all that a number of us would have advertised as an e-book in order to make some dough for themselves, specifically given that you could possibly have tried it in the event you considered necessary. Those basics as well served as the good way to realize that someone else have similar passion much like mine to learn more and more regarding this matter. Certainly there are millions of more fun sessions up front for individuals that read your site.

    Reply

  39. Thank you so much for providing individuals with remarkably nice opportunity to read articles and blog posts from this web site. It’s usually very useful and as well , full of a lot of fun for me personally and my office fellow workers to search your site at the very least thrice a week to learn the newest guides you have got. And lastly, we’re actually impressed concerning the astounding tricks served by you. Some 2 points in this article are surely the most efficient I’ve had.

    Reply

  43. My wife and i were quite delighted Michael could complete his investigation through the entire precious recommendations he came across while using the blog. It is now and again perplexing to just possibly be giving freely information and facts which often others have been selling. And now we recognize we need the blog owner to thank for this. Most of the illustrations you’ve made, the easy blog menu, the relationships you help to instill – it is everything fabulous, and it’s letting our son and us reason why that article is satisfying, which is certainly incredibly indispensable. Many thanks for everything!

    Reply

  44. I intended to create you this very small word to help thank you once again with the wonderful principles you’ve discussed on this website. It was certainly surprisingly open-handed of you to offer publicly precisely what most of us would’ve marketed for an electronic book in making some dough for their own end, primarily given that you might have done it in case you decided. The ideas additionally acted to be the easy way to realize that other people online have the identical keenness similar to my own to figure out way more on the subject of this problem. I am certain there are millions of more pleasurable instances ahead for many who view your blog.

    Reply

  47. Mark Pataskowski The Prize – What you are all here for, the prize! The poker site that’s hosting the freeroll tournament will set a prize pool. Freeroll tournament prizes can include real money prizes, tickets to other events, special poker bonuses, and swag. Normally, this will be distributed to a number of players at the end of the tourney but be sure to check the T&C’s as sometimes it’s winner takes all! Follow our simple instructions to set up your free account, deposit and join your preferred real money online poker games. With a wide range of safe, efficient and secure deposit options, you’ll be sure to find a method which suits you. Poker Stars is great for beginners who don’t want to invest their money This is a marked contrast to real-money games where people are much more interested in getting the most out of good hands. When you play in real-money games, it’s rare that you’re holding a good hand and a board that matches up and someone goes buck wild and bets heavy with their off-suit low-ended connectors. That situation, though, happens constantly in free games.
    https://smatech.com.ng/community/profile/ceryshoneycutt/
    The bonuses I got through the fiz promo code was really great as it allowed me to earn some good cash. However, I feel they could do better with their promptness in answering customer questions. Sitemap Sitemap Most gamblers do not mind sometimes betting without risk, thereby increasing their chances of additional profits. Fiz promotions have both deposit and no deposit nature. If we talk about the most popular options, these are: Claim your 400% as sign up offer in Casino Fiz. Min deposit to get your promotion is 30 $ € £ . To get cash, you must beat wagering requirements by (Bonus+Deposit) 50x. you can play with this 1st Deposit bonus in All except Table Games, Video Poker and Progressive Slot Games games. Hard Rock Casino is offering new NJ customers $25 free without having to worry about making a deposit. You can claim the welcome offer using the code PLAY25 once the sign-up process is completed. The bonus or house money requires a 20x playthrough requirement before the funds can be withdrawn. You can play slots, table games or video poker to clear the welcome bonus. Players have seven days to meet this no deposit bonus requirement.

    Reply

  48. My spouse and i were so satisfied that Ervin could conclude his survey using the ideas he got from your very own web pages. It’s not at all simplistic to just happen to be freely giving secrets which often some others have been trying to sell. We really fully grasp we now have you to thank for this. The entire explanations you made, the straightforward blog navigation, the relationships you make it possible to foster – it’s many terrific, and it’s leading our son in addition to the family understand this issue is entertaining, which is incredibly serious. Thank you for the whole thing!

    Reply

  54. Thanks so much for giving everyone remarkably splendid chance to read from this website. It’s usually very good and as well , jam-packed with a great time for me and my office mates to visit your web site the equivalent of thrice weekly to study the new stuff you have got. And indeed, I am just usually amazed for the striking knowledge you give. Certain 1 tips on this page are in reality the very best we have ever had.

    Reply

  59. I am a website designer. Recently, I am designing a website template about gate.io. The boss’s requirements are very strange, which makes me very difficult. I have consulted many websites, and later I discovered your blog, which is the style I hope to need. thank you very much. Would you allow me to use your blog style as a reference? thank you!

    Reply

  60. Thanks so much for giving everyone an extraordinarily wonderful possiblity to read articles and blog posts from here. It is always so kind plus packed with a lot of fun for me and my office fellow workers to search the blog at the least three times in a week to study the latest things you have got. And indeed, we’re certainly pleased considering the astonishing concepts you serve. Selected two areas on this page are in truth the most effective I have ever had.

    Reply

  64. My husband and i have been really comfortable that Jordan could finish up his reports via the ideas he received in your blog. It is now and again perplexing to just possibly be releasing tips and hints people have been selling. We really consider we have the blog owner to be grateful to because of that. All the illustrations you have made, the simple blog navigation, the friendships you can make it easier to promote – it’s mostly superb, and it is facilitating our son and our family consider that the situation is amusing, which is extraordinarily essential. Thanks for all!

    Reply

  68. I am just commenting to make you understand of the excellent discovery my child gained reading through your web site. She learned several details, including what it is like to have a marvelous coaching style to have many more with no trouble completely grasp certain multifaceted topics. You actually exceeded people’s desires. Many thanks for offering these effective, trustworthy, edifying and fun tips about the topic to Sandra.

    Reply

  71. l’Espigall El Mejor Bono De Casino | 5 Trucos para ganar en las tragamonedas 22 d’abril de 2021 | Sense categoria Ofertas exclusivas Esta máquina tragamonedas tiene el símbolo wild: el icono con el monte Vesubio, que sirve de comodín por ayudarte a completar tus combinaciones (sustituye a todos los símbolos excepto el Scatter). El símbolo scatter, también llamado símbolo de dispersión, de esta máquina tragamonedas es la moneda de oro. En las páginas del catálogo, por lo que también nos gustan los sitios con una sección dedicada a estos títulos. Todos estos sitios ofrecen reglas justas en todos sus juegos en línea de Blackjack de un solo mazo, es importante saber que hay miles de casinos en línea diferentes. Ya sea que esté buscando consejos y trucos, y debe buscar los oficiales con licencia y evitar ser estafado. Los juegos de máquinas tragamonedas Dice Lab de NetEnt son otra excelente adición a su gama de juegos, los cuatro koalas volverán a caer en el carrete. Durante el mismo, casino bonus primo depósito 2023 creando un carrete lleno de comodines.
    https://wiki-stock.win/index.php?title=500casino
    Durante tu visita, no te pierdas Barona Cultural Center and Museum (1,0 km), que es una atracción popular a la que puedes llegar andando desde el complejo turístico. (Bloomberg) — La llegada del líder opositor venezolano, Juan Guaidó, a Bogotá este lunes socava los esfuerzos del Gobierno colombiano para desbloquear el estancamiento político de su vecino, según funcionarios de ambos países.Guaidó convocó a una protesta en la plaza principal de Bogotá el martes, para exigir que los venezolanos en el extranjero puedan participar en las próximas elecciones, justo al tiempo que el presidente colombiano, Gustavo Petro, estará dando inicio a una cumbre de líderes Si buscas unos restaurantes de marisco, considera probar Barona Oaks Steakhouse o Plaza Grill, que se encuentran muy cerca de Barona Hotel And Casino.

    Reply

  72. A lot of thanks for all of the effort on this site. My mom delights in carrying out investigation and it’s easy to understand why. Most people know all regarding the lively manner you offer worthwhile guidance via this web blog and even invigorate participation from people on the subject while my daughter is really becoming educated so much. Have fun with the remaining portion of the year. You’re the one conducting a remarkable job.

    Reply

  75. I definitely wanted to post a small message in order to say thanks to you for all the superb hints you are sharing on this site. My time consuming internet lookup has at the end of the day been honored with incredibly good strategies to exchange with my company. I ‘d say that most of us website visitors are definitely endowed to exist in a decent place with many brilliant people with very beneficial points. I feel very much happy to have come across the web page and look forward to really more amazing moments reading here. Thanks once more for all the details.

    Reply

  77. These games and activities require them to stop, focus, think, plan and remember, and these are all great skills that we all need to use every single day. There are ideas that can be used with preschoolers right through to kids in the later years of primary elementary school (honestly, my ten year old still gets a kick from winning a round of Concentration!). WARNING: CHOKING HAZARD-Small parts. Not for children under 3 years. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Spanish-English dictionary, translator, and learning Memory Game – Memory matching card game for kids where they remove jelly, animal or other cards from the playing field by matching them. This game has a female voice which states what is on the cards, helping to reinforce memory and teach kids pronunciation.
    https://www.instapaper.com/p/12369470
    Download Games Nokia Asha 503 Download Ludo Master – New Ludo Game 2018 For Free on PC with MEmu Android Emulator. Enjoy playing on big screen. Enjoy the very best Android games and apps whenever and wherever you want with now.gg, the premier cloud streaming platform that delivers the hottest Android titles straight to your browser. No more dealing with long downloads or messy updates, either. Just open up now.gg in your browser and get right into it! Play game online using only a web browser on a PC, Chromebook or mobile. DOWNLOAD GAME LUDO KING JAVA Feed Play Ludo Master™ – New Ludo Board Game 2020 For Free on PC by following steps: Interesting jumping game game init looks like a classic arcade game, but it has one special features. you also jump into halo.. OneCompiler supports Gradle for dependency management. Users can add dependencies in the build.gradle file and use them in their programs. When you add the dependencies for the first time, the first run might be a little slow as we download the dependencies, but the subsequent runs will be faster. Following sample Gradle configuration shows how to add dependencies

    Reply

  78. No credit card required. It also is a great way to kick off your bitcoin mining career. You can learn the fundamentals and basics of bitcoin mining completely investment-free before deciding if it’s right for you. After all, you can always get a rig or a software subscription later! Naturally, the freeways to get Bitcoin presented below will not bring you a lot of money. However, if you have some free time and a desire to earn some bitcoin, these methods will be relevant for you. These games, hosted on chat app Telegram, and publicised through online forums and marketplaces, promise money to players through bitcoin mining done for free using their smartphones. If you’re looking for Bitcoin cloud mining (free) service providers, always do your research and look into more than one place. Forums and online chat rooms are a great place to start. Here, people usually offer good advice and tips on how to avoid the above-mentioned scammers.
    https://www.bookmarkzoo.win/where-can-i-buy-dot-crypto
    He gave two options: “Dogecoin to the Moooonn” or “All other crypto combined.” While the recent surge in Dogecoin’s value is certainly an exciting development for investors, the future of this polarizing cryptocurrency remains uncertain. However, it’s worth keeping an eye on its performance in the coming weeks. The meme token DOGEUSD gained 14% over the past 24 hours, trading at around $0.15, according to CoinDesk data. Still, it is down about 80% from its all-time high in May 2021. Bitcoin is the oldest and most well-known crypto token that you can buy, and in the last 24-hours, its value has changed by 0.31%. It was priced at ₹17,94,223, according to Binance, and is now at ₹17,99,855. Bitcoin’s market cap is now ₹34.7T. Dogecoin price analysis for February 3, 2023, shows the meme cryptocurrency following an increasing movement for

    Reply

  80. Grüezi SarahWir danken Ihnen vielmals für Ihre Bewertung auf Trustpilot. Wir empfehlen ihnen immer die Browserdaten zu löschen bevor Sie spielen. Somit kann das Spiel fliessender laufen und hat weniger Probleme sich zu den Servern zu verbinden.Wir wünschen Ihnen weiterhin beste Unterhaltung auf unserer Seite.Herzliche GrüsseIhr mycasino-Team Der Böög brennt täglich bei uns! Der Mystery Jackpot «Sächsilüüte» hat vier verschieden hohe Levels und fällt durchschnittlich dreimal am Tag. Bei diesem Jackpot entscheidet nicht eine bestimmte Symbolkombination über Ihren Gewinn, sondern das Zufallsprinzip. Es sind alle Automaten, ausser die Multi-Roulette Automaten, daran angeschlossen. Sie finden bei uns nicht nur einen, sondern gleich mehrere Jackpots die darauf warten, geknackt zu werden.
    http://www.dobido.net/gb5/bbs/board.php?bo_table=free&wr_id=80843
    Es galt die Menschen in Deutschland auf Poker aufmerksam zu machen und zu begeistern. Talkshows wie z.B. „JB Kerner“ oder die legendäre NDR3 Gesprächsrunde sind nur einige TV-Auftritte in denen ich Deutschland das Pokerspiel näherbringen konnte. Auf DSF lief mit Michael Körner und mir als Moderatoren die PokerStars Online Pokershow als mehrteilige Serie für den interessierten Anfänger. Ich konnte PokerStars in allen großen deutschen Tageszeitungen und Illustrierten vertreten und freue mich immer, wenn Manager morgens in der Business Class einen Artikel über Poker im Wirtschaftsteil finden. Darüber hinaus hat PokerStars auch angekündigt, dass jeder, der im Big 20 Finale ausscheidet und nicht das Geld erreicht, an einer Verlosung teilnehmen wird, bei der Tickets im Wert von $300.000 für die Winter Series von PokerStars vergeben werden.

    Reply

  84. I and my pals ended up checking the good techniques from your web page while unexpectedly I had an awful feeling I had not thanked you for those secrets. Most of the young men were certainly warmed to read them and already have absolutely been enjoying those things. Appreciation for being indeed considerate and for selecting certain nice subject matter millions of individuals are really eager to discover. My personal sincere regret for not expressing gratitude to you earlier.

    Reply

  88. I wanted to draft you this tiny observation to help thank you very much again about the gorgeous tactics you’ve contributed on this page. It has been certainly tremendously generous of you in giving freely all that a few people would have advertised as an e book to help make some bucks on their own, principally considering that you could possibly have done it if you ever desired. These points in addition worked to provide a easy way to be sure that other people have a similar fervor similar to my very own to know the truth a great deal more when it comes to this matter. I am sure there are several more pleasurable situations up front for many who scan through your blog.

    Reply

  91. I wish to express some appreciation to the writer for rescuing me from such a condition. Right after surfing around throughout the online world and finding suggestions that were not beneficial, I thought my entire life was gone. Being alive minus the strategies to the problems you have sorted out as a result of the post is a crucial case, as well as the kind which may have adversely damaged my entire career if I had not discovered your web blog. Your own natural talent and kindness in controlling every aspect was tremendous. I don’t know what I would’ve done if I hadn’t come across such a step like this. I am able to at this time look ahead to my future. Thanks very much for this expert and result oriented help. I will not be reluctant to suggest the sites to anybody who needs support on this subject matter.

    Reply

  93. At EliteSingles we believe that great relationships happen between two people that are genuinely compatible, and those dating with kids are no different! That’s why our matchmaking process is at the heart of our success; our extensive personality test assesses your personal characteristics and only matches you with singles that have fitting personality traits. Our extensive questionnaire also helps us to understand your hobbies, interests and partner requirements – whether that be a potential partner’s smoking status, location distance or religious beliefs – which further helps us in suggest meaningful matches. “Not matching on the app and then you finding me on Instagram and messaging me to tell me we didn’t match on the app. I know, it was intentional. That’s why we didn’t match.”
    https://fire91.com/2021/10/what-happened-to-associations-this-article-truth-be-told-theyoure-couples/
    We got there with the profile bio too. Here’s part of what ChatGPT and I came up with for Tinder: Don’t miss: 195 Examples of Funny Bumble Prompt Answers It’s also important to listen to their actual answers; a person’s responses can often show their true selves. For example, if you ask how long they’ve been on a dating site and what their experience has been, are they saying belittling things like “There are so many idiots out there”? Or are they more levelheaded, with responses such as “I’ve met some nice people and had some good experiences…and of course, some that weren’t.” Cloud says focusing on conversation patterns like this is an essential tip to gauge character. It’s not like you guys were dating — actually, you’d never met the person IRL — but the banter was so witty, so flirtatious, so promising!

    Reply

  95. I would like to point out my admiration for your generosity giving support to all those that have the need for guidance on this important subject. Your personal commitment to getting the solution all through was exceptionally powerful and has consistently allowed employees much like me to attain their aims. Your new informative instruction entails much to me and additionally to my fellow workers. With thanks; from each one of us.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *