• I think if you're bright and understand what you're going into there isn't an issue.

    Obvs depends if you want a new car.

    We're a bit of an uncertain point in our lives, so while I'm sure things will be fine, I'd rather spend £3-£5k and then have (relative) freedom over how long we keep it, etc. then down the line get something nicer.

    Also wish I wasn't having to share the decision making process!

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