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Its The Maples!

Adventures of a 🇨🇦 Expat Family in Portugal 🇵🇹

Should you buy a used car?

This Fall I found myself having to make the big decision to purchase a car. 

Contents hide
1 Stress-Free Driving
2 Interest Rate
3 Buy or Lease

I had been driving an older Volvo SUV I bought used and though it had served my family well, it was on its last legs. 

In all my car buying years I have always been a staunch believer in buying a USED car. The idea that by simply driving off the lot, a car loses 20% of its value in its first year astounds me. That’s a lot of lost value in one drive.

That said, I did also grow up with conflicting messages because I remember my father telling me that buying a new car would ensure me several years of “stress-free” driving. And who needs more stress? Not me!

I know he just wanted his little girl to be driving around in a safe car but after buying my first new car in my early twenties I had a rude awakening – yes, the car was new and drove great but there were still lots of heavy on the pocket payments and the scheduled maintenance appointments that come with a new car (and can’t be avoided) cost a great deal of money. Nothing was covered by the warranty – and the in-house mechanics are not the cheapest.

So many of the considerations and after driving my brand new car for 13 years, yes I drove it until it was no more, here I am, in the market again for a car, choosing between new and used. 

Stress-Free Driving

Yes, the concept of “stress-free” driving. The idea is that when you buy a new car, you will have no problems in the world. I love the picture of driving off into the sunset, wind blowing in your air, and enjoying the beauty of a brand new car. 

Now while a part of that scenario is true – there is something amazing about getting in and driving a brand new car – I can assure you that even though driving a new car is great, you still end up with problems, not to mention all the times you need to come in for those scheduled dealer appointments. 

Interest Rate

Obviously, when choosing a car, one of the most pressing considerations is how much you can afford. 

When buying a new car, most people will finance their vehicle. And this is a major factor in how affordable your car is. For example, I was talking with my friend Katherine today and she told me the story of a guy she knew back in 1983 who had to purchase a new car at 22% interest. (Obviously, inflation was a dumpster fire back then.)

Part of any good planning is looking at your loan options. 

Buying a used car if you finance it generally has a higher interest rate. You can’t beat the interest rate available on new cars especially when you have good credit. Sometimes 0% interest!

When we decided, to go new because of the 0% interest rate, the next question for us was to buy or lease. 

Buy or Lease

Leasing always seemed to me like a poor choice. And I had accountant friends who agreed (in most circumstances.) You basically “rent” a car for an extended period of time, make your payments and then end up with nothing.

You’re not building into an asset you actually own.

And it makes sense if you always want (and are willing to pay for) a newish car. You are enjoying the prime time of the car before you have more erratic maintenance issues that, may come up.

In the end, I decided to buy a new car – in part because of the dealer special that month to finance at 0% interest for the entire purchase term. It helped me afford a better car than I would have otherwise been able to fit into my budget.

If you’re struggling with the math of it, here’s a site I used to check out some different numbers to see what was in my budget.

Remember, when buying a car, it’s important to think not only of how much it costs now, but how that payment will look 3, 5, 7 or even 10 years down the road.

And whatever you choose, good luck on your new car!

and get no FX fees!

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I lied. I said I would be posting more pictures so I lied. I said I would be posting more pictures soon after my last post and now it's literally been another month and a half! 🤦🏻‍♀️
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I still really underestimate the time it continues to take us to get settled in a new country and all the stuff we need to do (yup, we are still in our car 🚗 dilemma but hoping to get it resolved tomorrow - after today's holiday!) 
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As I mentioned in my last post, which contained the only family picture we took from our first beach day ☀️🌊🇵🇹 in Portugal in November 2021, it has taken me almost 5 months to recover from all the "newness" to start posting on a regular basis. 
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So here you go, some more of our "other" pictures from this beautiful day that found us discovering this gorgeous beach but also getting stranded there at nightfall. ✨🌘
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Thank goodness, the owner of the beach restaurant drove us home after taking pity on us, but that's a story for the blog and another day! 😅😅😅
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Thanks to you all for following our adventures (mainly on FB right now) and if you feel inclined, I'd love to know what "oops" type situations you've found yourselves in when travelling! ✈️🧳
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#portugal #portugaltravelers #portugaltravels #portugal🇵🇹 #familytravelblog #portugalguide #familytravelbloggers #portugaltravel #familytravel #familytraveltips #movingtoportugal #learnportuguesewords #travelingfamily #portugal_lovers #familytravelblogger #portugal #portugaltravelling #portugalfoodandtravel #portugaltravelpt #travelfamily #travelfamilyblog #familytravelling #learnportuguese #movingtoportugalsoon #learnportugueseportugal
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Sent via @planIoly #planoly
Hello from Portugal!! 🇵🇹
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If you've been following "It's The Maples" you know that we are a Canadian family who up until recently lived in our beloved Nova Scotia after making a spontaneous move from downtown Toronto almost 13 years ago!
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Well, new news...Back in late September/early October of 2022 we made another BIG decision to move our family to Portugal.
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Since my husband and I have worked full-time from home since University, with our online marketing and content creation company, the move was easy enough to make - at least from a work standpoint because all we need are our phones, laptops and internet connection- but more on the many other unforeseeable hiccups we encounter later!
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That said, the minute I stepped off the plane I, of course, thought that I would start sharing our experiences right away...but with the excitement, the ups and downs and the complete culture shock, it has taken me over 4 months to even begin to write my first post here on Instagram and my blog post. 
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So today, writing from a different lens, one that isn't quite as emotional and now has some distance between when we first arrived, I am thrilled to share our journey and this sweet and beautiful life we have built here over the last few months.  So stay tuned as I share more pics! 
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Sent via @planoly #planoly #portugal #portugal #portugaltravel #portugalguide #portugal_lovers #portugal🇵🇹 #portugal #portugaltravelers #portugaltravels #portugaltravelpt #portugalfoodandtravel #portugaltravelling #movingtoportugal #movingtoportugalsoon #familytravel #travelfamily #travelingfamily #familytravelblog #familytravelblogger #travelfamilyblog #familytraveltips #familytravelbloggers #familytravelling #learnportugueseportugal #learnportuguese #futebol #thebeautifulgame #canadianstravel #canadianfamilytravels
These boys make my heart sparkle like champagne! 💗 Happy National Sons Day! 
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#nationalsonsday #nationalsonsday💙 #happynationalsonsday #happynationalsonsday💙 #boymama #boymamalife #lovemyboys #lovemyboys💙 #myheart #myboysmyworld #sonsandmothers #grateful #blessed #blessedandhighlyfavored #myloves
Monstera friends, is this a new baby leaf? . . #m Monstera friends, is this a new baby leaf? 
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#monsteracare #monsteracareguide #monsteralovers #monsteralove #monsteraleaf #monsteraplant #monsteradeliciosa #monsteramonday #monsteraplants #monsteraplantsofinstagram #monsterainstagram #indoorplants #indoorplantsdecor #indoorplantsofinstagram #plantmama #plantmamas #monsterapropagation #plantsmakepeoplehappy #plantsmakemehappy🍃 #plantenergy #plantlover
Monstera love 💗 . . Share your Monstera pics wi Monstera love 💗
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Share your Monstera pics with me pleeeeaaase! 😊🪴🪴🪴!
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#monsteradeliciosa #monsteralove #monstera #monsteramonday #plantmama #plantmom #plantlove #plantloversofinstagram #swisscheeseplant #swisscheesemonsteraplant🌱 #plantsofinstagram #plantlover #plantsmakepeoplehappy #plantsmakemehappy #plantsmakemesmile
Peach picking. . . #summer #fruitpicking #peaches Peach picking.
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#summer #fruitpicking #peaches #peaches🍑 #summerdays #novascotiasummersaremagic #novascotiasummers #peachtrees #peachfestival #farmsofns #dempseyscornerorchard #peachpicking
My 12 year old wrote this on the kitchen board las My 12 year old wrote this on the kitchen board last night. I just found it this morning since I wasn’t feeling well yesterday and went straight to bed. He’s such a light in my life.
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#hopeandfaith #hopeandfaithandlove #blessedandgrateful #blessedbeyondmeasure #howdidigetsolucky❤️ #ourkidsteachus #ourkidsteachusaboutlife #ourkidsteachussomuch #ourkidsteachusmanylessons #joy #thursdaythoughts #thursdaymorning
Browsing through my memories and this pic came up. Browsing through my memories and this pic came up. 
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It doesn’t seem so long ago, but this beautiful boy will be a teenager in just a few short months. How quickly the time goes.
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Lately, I find myself staring at his face, realizing how much he’s changed. It’s so bittersweet because no matter how amazing it is to watch him grow, I also miss him being little enough that I could scoop him up in my arms, as I still do with his little brother.
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#lovethiskid #timegoesbysoquickly #watchhimgrowingup #boymama #throwbackpic #mybabyboy💙 #couldnotloveanythingmore #solongagobutfeelslikeyesterday #theygrowuosofast #feelinghappyandsadatthesametime #blessedandgrateful #blessedbeyondmeasure #myboy❤️ #myboy #mamabear #specialtimes #pumpkinpants
Choose to be kind. . . #kindnessmatters #kindnessc Choose to be kind.
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#kindnessmatters #kindnesscounts #kindnessiscontagious #bekindtoeverykind #kindnesscounts #itsimportanttobekind #lovingkindness #compassion #compassionandkindness #compassionandlove #bekindalways #bekindtooneanother #quotestoliveby #dalailama #dalailamaquotes #dalailamaquote #wordstoliveby #wordstolivebyalways
Love this photo of J! . . #footy #adidas #adidasc Love this photo of J! 
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#footy #adidas #adidascanada #soccerkids #soccertraining #soccerislife #soccerplayer⚽️ #onthepitch💚💚💚 #shootingdrills⚽️ #lovethiskid #myboy #boymomlife #soccermom #soccermoms #soccermoms⚽️ #soccermoments #sportpictures
Low key Easter with my 3 beautiful boys! . . Have Low key Easter with my 3 beautiful boys!
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Have to say, I’m loving the Amish Butterprint Pyrex on the table.  It’s a happy day when we use it!  How was your Easter weekend? 
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#easter2021 #easterweekend #easterwithkids #amishbutterprint #amishbutterprintpyrex #amishbutterprintpattern #amishbutterprintmixingbowls #amishbutterprints #vintagepyrex #vintagepyrexlove #vintagepyrexlovers #vintagepyrexcollection #vintagepyrexcollector #vintagepyrexbowls #pyrexcinderellabowls #pyrexcinderella #pyrexcinderellas #easterdinner #easterdinnertable #easterdinnertabledecor #easterdinner2021
Happy Easter! 🐣 . . This is my favourite Easte Happy Easter! 🐣 
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This is my favourite Easter centrepiece.  Used many, many Peeps and pink tulips.  Love the way it turned out!
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#happyeaster #happyeaster🐰 #happyeaster🐰 #peeps #peepsmarshmallows #peepscenterpiece #peepscenterpieces #eastertable #easterdecor #easterdecoration #easterdecorating #peepsmarshmallowbunnies #peepsmarshmello #peepsmarshmallowbunny #easterweekend #easterpictures #eastermood
Our orchid is in full bloom! 🌸🌸🌸 . . #suc Our orchid is in full bloom! 🌸🌸🌸
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#suchabeauty #orchid #orchidsofinstagram #orchids #orchidlover #orchidflower #bloomingorchid #bloomingorchids #orchidbloom #orchidblooms #orchidbloomsofinstagram #newtoorchids #flowers🌸 #flowersofinstagram #flowerdays #takingcareoforchids #orchidcare #orchid101 #orchidmom #orchidmoments #orchidmomma #orchidshare #orchidlove #orchidlovers
This past year during lockdown, we started using t This past year during lockdown, we started using the meal kit service, Chef’s Plate.
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We love to cook in our house but despite our love to cook, getting the meal kit was more of an “event”. Sort of like eating at a restaurant; eating something you wouldn’t normally cook but with all the convenience of eating at home. 
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Check out the blog, because on it I wrote an article on the “ Top 10 Reasons We Use Chef’s Plate” and it’s been a lot of fun, especially for the kids!
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So if you’re looking to break the monotony of weeknight dinners, let me know.  I’ve got $40 off coupons to share and occasionally a FREE box, too!
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Read the blog post and watch the video when the kids get involved and cook the Bavarian Pork Chop meal - such a great experience for the little ones and so delicious!
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#chefsplate #chefsplatemeals #chefsplaterecipe #chefsplaterecipes #chefsplatemenu #mealkitservice #mealkitservicecanada #mealkits #mealkitdeliveryservice #mealkitdeliveryservices #mealkitdeliveryservicediscountcode #mealkitdeliveryservicevouchercodes
My Majesty Palm. 💗💗💗 . . I’m all about My Majesty Palm. 💗💗💗
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I’m all about my plants recently, so you’ll have to excuse the obsession!
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I can’t stop taking pictures!  It must be spring in the air! 🪴🌱🪴🌱
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#majestypalm #majestypalmsofinstagram #beautifulpalms #houseplantsofinstagram #houseplantsofinsta #majestypalmplant #majestypalmtree #indoormajestypalm #tropicalplantsofinstagram #tropicalplants #iloveplants #kidsandplants #plantsofinstagram #indoorplantsdecor
I’ve become the mother of houseplants. I just l I’ve become the mother of houseplants.  I just love my plant babies so much!  What are your favourites? 
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#houseplants #housepanthersofinstagram #motherofhouseplants #houseplantbabies #plantbabies🌱 #plantbabies #bostonferns #bostonfernlover #inamemyplants #inamemyplantsokay #thisisgeorgia #plantsmakepeoplehappy #plantsmakemesmile #plantsmakemesmile🌿
Boys went tobogganing today! . . #outdoorfun #out Boys went tobogganing today! 
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#outdoorfun #outdooradventures  #winterfun #wintersports #getoutsideandplay #getoutsidemore #getoutsidemoreoften #toboganning #toboganningfun #toboganningtime #sledding #sleddingfun #letssled #canadianwinters #canadianwinter #canadianwinters🇨🇦 #winterinnovascotia #winterinnovascotia2021 #wintersunshine☀️
As he was getting dressed to play outside, Henry w As he was getting dressed to play outside, Henry was struggling to put on a glove and he said to me, “Mommy, I don’t think I have enough fingers for this.” 😂
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#snowdays #playinthesnow #thisis5 #5yearolds #lovethisboy💙 #lovethisboysomuch #outdoortime #novascotialife #christmassnow #whitechristmas❄️ #mybabyboyforever #thingskidssay #funnythingskidssay #funnykidstuff #kidssaythefunniestthings #kidssaythefunnieststuff #lovewhathesays #lovewhathesaid
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