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Ah fair enough. Another factor is that I’m able to do some of the work on our cars.
If I hadn’t been able to source parts and do the repair and replacement on my wife’s Jazz after the cat got nicked it would’ve been a write off (£1500 parts alone from Honda). After much shopping around, and having issues with non-OEM part compatibility (manufacture admitted their documentation was wrong), I eventually got all parts and fitted them for about £330.Same goes for the e46 - thermostat replacement and sorting an ABS fault myself has definitely kept the costs down compared to paying someone else to do it.
Did you buy new? It seems mad to me that the costs stack like that. But I’m clearly looking at this from the complete budget end. Neither me or my partner has ever spent more than £3k on a car.