7mU `1"Arialnnnn\c)efd\c2efJd3.A"F)+R' @' @ V' ' @ ' @ V' ' @ ' @ V' ' @ ' @ ~' ' @ ' @ v/@ :' '' @' @' @'' @' @  '''  ' @:'' ' d ''' @:'' :'' :'' :''$"Arial"Arial"Arial"Arial"Arial "Arial""Arial`"Arial"Arial"Arial"Arial"Arial"Arial"Arial"Arial"Arial"Arial"Arial"Arial%&CAR COSTS""Arial &Ver 98.03"4"96 N reg Forcl Mundane 1.6i Ins Gp 7-8 "Arial $("6(Help at A22)"Arial *Miles pa >0,0', 0:, 0 N, $VENTER VALUES HERE->-v(0:Standing Costs "Arial   a)"Arial$bValue at start of period(4" ?  &Insurance  8^  8^  8^  8^  b)$ JValue 1 year older( 4w433333?Tax 8 8 8 8   c)$VMileage adjustment/1k(49?2Depreciation 8 84 8Q  8n    d)$ZMileage p.a. for value(4'gfffff?RLoan (interest only) ]K&~@ ]K&~@ ]K&~@ ]K&~@   e)$FRoad fund licence(4?^Total standing costs pa pkD@, pkD&@, pkD`@, pkD@,  f)"Arial$FInsurance cost pa(4^ ? f' = /mile  s ?,  ho?,  pN,G?,  Abg gn?,  g)$ Jmpg expected (ave)( 4#$0$6Running Costs "Arial$ $$$$$ $ h)"Arial$$>Petrol cost /L($Q?(@((Petrol ((m* 9z@ (m* 9Ɋ@ (jy@ (m* 9ɚ@  ( i)$(BService interval((4',@,,&Servicing ,,8d ,8 ,8, ,8  , j)$,NService cost (each)(,40gfffff@00Repairs 008Z 08 08 08h  0 k)$0RRepair cost per serv(044433333@44Other 44B@ 48K 4 \@ 48  4 l)$4ROther costs per serv(44K8@88NTotal running costs 886@, 86@, 8jy@, 86@, 8 m)"Arial$8HP loan(84<@<f' = /mile <<z[}?, <z[}?, <z[}?, <z[}?,  < n)$<NLoan interest % APR(<'@@@@@2ALL COSTS pa"Arial @@X @, "Arial @Ka3@, "Arial @Qh@, "Arial @S$2@, "Arial  @ o)$@NLoan period, months(@4$"D @DDB = / MILE"Arial D"ArialDZ(?,"ArialD&|v.?,"ArialDT?,"ArialDޙaD/?,"Arial D p)$DZResultant pmt per mnth(D\V~|o@  H0H.Information "ArialH HHHHH$H6Total payment (H3@ Lgfffff@LbOutgoings ave per mnth *L LL tu@,"Arial L@.y@,"Arial LtP8|@,"Arial LT1@,"Arial  L q)$LRInterest paid, total(L4@PPP PE * 4.1 Excludes depreciation & interest pmts Includes full HP pmts etc"ArialPP PP P$P(P,P TTTHELP"Arial TTTTT T$T(T,TXXXjPurpose of the spreadsheet "Arial XXX XX X$X(X,X\\\ This spreadsheet is used to evaluate the likely cost of running alternative cars \\\ \\ \$\(\,\```before purchase, comparing their standing and running costs. ````` `$`(`,`dddm It is also used to calculate cost per mile, either for your own purposes  ddd dd d$d(d,dhhhor, perhaps to check that the business travel rates are fair. hhhhh h$h(h,hlll It can also be used to keep track of expenses in a rough and ready way - but  lllll l$l(l,lpppit is not really meant for that. ppppp p$p(p,pttt ttttt t$t(t,txxx"Features "Arial xxxxx x$x(x,x||| The spreadsheet has the following features:  ||||| |$|(|,|The annual cost (/a) and cost per mile (/m) of different annual mileages can be seen.   $(,eThe extra cost (/a and /m) of increasing the annual mileage can be seen.    $(,The relationship between standing and running costs can be seem.    $(,The (approximate) loan costs can be examined or predicted.    $(,Different figures can be entered for different cars to compare them before purchase.   $(,UAll the variables can be adjusted to see how they affect the annual cost   $(,For example, the actual cost of different loan interest rates can be seen easily.   $(,mThe effect of a petrol price rise can be calculated both as a yearly figure   $(,band as a rate per mile   $(,  $(,To use: "Arial  $(,The titles can be atered to suit your own requirements.   $(,All of the rest of the figures are entered in column J only.   $(,The rest of the spreadsheet is protected.   $(, Enter detais as follows. (The letters are those in Col i)   $(,&Cell F1  BAmend the year  $(,"Cell G1  5Enter the title (Unless you drve a Forcl Mundane ...................  "Arial$(,6Cells E2 - H2 Amend to the range of miles you are interested in (or Kilometres)  $(,Enter the following values in Column K   $(,afValue at start of period  Current value of the car from a current price book.  $(, Take into account condition, mileage etc.  $(,bJValue 1 year older Value of the same car one year older from the same price book.  $(,  If you can'd find this figure, take figure (a) and reduce it by  $(, your estimate of the annual depreciation  $(,cVMileage adjustment/1k These figures are used by price guide books to adust values  $(,dZMileage p.a. for value depending on the total mileage. Enter the adjustment figure  $(, and the average mileage the book says you should do each year.  $(,eFRoad fund licence  Enter the cost of one years tax for the payment method you use.  $(,fFInsurance cost pa Enter the cost of insurance for one year  $(,gJmpg expected (ave) Enter the average mpg from experience or published data.  $(,h>Petrol cost /L Enter the current (or expected) cost for 1 litre of fuel  $(,iBService interval Enter the service interval from the manual or price book  $(,jNService cost (each) From experience or ask a garage  $(,kRRepair cost per serv zDitto (or have a good guess)  $(,lROther costs per serv Add on's if your car is getting old or is troublesome!  $(, m  HP loan  ^Amount to be borrowed     $ ( ,  You can either enter the actual loan for net figures or enter  $(,  the total value of the car so that the figures reflect the loss  $(, of interest in a deposit account - however you should  $(, know that this will overestimate the interest lost!  $(, n  NLoan interest % APR  Ask the finance Company for the APR. eg for 18%, enter 18     $ ( , $o$$NLoan period, months $$zMonths (not years) for loan. $$$ $$$($,$(p((ZResultant pmt per mnth ((This calculates the loan repayments per month. ((( ($(((,(,,, ,,(Unlikely to be the same as your finance Company's figure!!) ,,, ,$,(,,,0q006Total payment 00This calculates the total payable over the loan period. 000 0$0(0,0444 44(Unlikely to be the same as your finance Company's figure!!) 444 4$4(4,48r88RInterest paid, total 88This calculates the total interest cost 888 8$8(8,8<<< <<(Unlikely to be the same as your finance Company's figure!!) <<< <$<(<,<@@@ @@@@@ @$@(@,@DDD.The Results "Arial DDDDD D"Arial$D(D,DHHHThe spreadsheet calculates the following information  HHHHH H$H(H,HLLL? LInsurance cost p.a. from your figure LLLL L$L(L,LPPP433333? PTax cost p.a. from your figure PPPP P$P(P,PTTT? TMDepreciation adjusted according to whether the figures in cells E2 - H2 TTTT T$T(T,TXXX Xare more or less than the amount the book says is "average" XXXX X$X(X,X\\\gfffff? \eLoan interest. Excludes capital repayments as this spreadsheet calculates \\\\ \$\(\,\``` `running costs not purchase or capital costs ```` `$`(`,`ddd? dTotal standing costs (excluding the cost of actually using it!!) dddd d$d(d,dh? h'= Cost per mile. A different figure for each annual mileage lll@ l Annual fuel cost at the price, mpg and mileage you have entered llll l$l(l,lppp@ pAnnual service cost per annum, not per service interval pppp p$p(p,ptttgfffff@ tAnnual repair cost per annum, not per service interval tttt t$t(t,txxx433333@ xAnnual other costs per annum, not per service interval xxxx x$x(x,x|||@ |Total costs for running the car excluding the standing costs |||| |$|(|,|@ '= Cost per mile. A different figure for each annual mileage @ Total of all costs for the year.  $(, MNB This includes loan interest but excludes capital payments, therefore  $(, -not the same as the money that leaves your bank account each month.  $(, @ '= Cost per mile. A different figure for each annual mileage  $(,gfffff @ Different cost for doing more or less than average miles  $(,433333 @ v'= Cost per mile difference  $(,gfffff@ Average payments you will make each month  $(, This is not the same as the overall cost of running the car  $(, as you are buying a depreciating asset.  $(,  $(,6Last Comments "Arial  $(,The spreadsheet font has been made bold throughout to help vision   "Arial$(,in difficult light. This doesn't look so good when printed.   "Arial$(,You may wih to un-bold it if you wish to print it.   "Arial$(,I don't really run a Forcl Mundane - Its a Rover but I'd like it to be an XK8 !   "Arial$(,  $(,:IMPORTANT NOTE"Arial  $(,This spreadsheet was prepared for my own purposes and   $(,may not suit your requirements.   $(,-It was never meant to be anything other than a means of comparison.   $(,Don't use it for any other purposes.   $(,If accuracy is important to you - audit the formulae   "Arial$(,Subject to that, I hope that you find it useful.   "Arial$(,If you do, send me a :-) If you don't, send a :-( (preferably to someone else)   "Arial$(,If you have any comments, e-mail me at the address below.   "Arial$(,5If you distribute this - do not change anything including this text.   "Arial$(,.Enjoy it!   $(,>Brian E Eyley   $(,^Brian@bep.k-web.co.uk   $(,PS I've realised recently that my fingers are dislectic. Please excuse the errors.   $(,?$hhh hhh?g??*?;Qhk?q?e  M   %8"Arialx+ [b&Sheet.app d!ux