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How an MOT made me realise the importance of having some savings.

Don’t let a lack of cash put the brakes on fixing your car

This time of year always gives me a bit of a chill, but it has nothing to do with the weather. It’s the time of year my girlfriend’s car is due for its MOT.

It’s a feeling all car owners understand, but my worries are made worse by what happened a few years ago. Something that really made me realise just how important it is to have some money put aside for emergencies.

The car in question was bought, with help from the Bank of Mum and Dad, brand new.

Doing this certainly had its advantages. No MOT needed for a few years, less chance of it breaking down and, if the worst should happen, it’s all covered under the warranty.

Everything was fine until the car went in for its MOT four years later.

We weren’t too worried; after all, the car was working perfectly well, so even if there were some problems they wouldn’t be serious.

But that afternoon I got a panic-stricken phone call from my girlfriend. She had just heard back from mechanic.

Not only had the car failed its MOT, but it was going to cost more than £700 to fix the problems!

Almost everything needed replacing. Brake pads, brake shoes, all four tyres. There were other things, but I was so taken aback at the cost I cannot remember.

So why had everything gone wrong all at once?

The answer was actually quite simple. All of the parts had reached the recommended mileage.

Thankfully, with a few sacrifices along the way, we were able to cover the cost. But by anyone’s standards this was a large bill.

It just goes to show how unexpected costs can come from anywhere and the importance of having something put away for a rainy day. 

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