• I am open to other suggestions for what my £6,000 car allowance should go on, btw.

    £14,000 from HSBC at 3.3% costs £253/month, so £3,036/year.

    Call it £4,000 with insurance, that's £2,000 to spend on servicing, leaving me to find money for tyres and petrol.

  • Call me slow, but I really am not following this bit of MM, beyond the first sentence.

    I get similar car allowance, I just pocket it (after gilding HMRC) and run whatever, currently the M3.

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