• Meh, I don’t mind. It’s through a salary sacrifice. Gross payment is something daft like £1,400 but post tax it’s £800 including insurance.

    With the gross amount and my pension contributions, it takes me just below the £100k threshold which means I get my personal allowance back which actually means I get a little more in my pay packet each month so it’s around £150 cheaper than the net amount once you account for the tax.

    Not bad for a car with a dealer RRP of £91k.

  • Which would be similar as the depreciation in that time, no? And as it factors well against income/gets it below 100k to take advantage of other benefits it may make more financial sense than it seems.

    Hilarious coming from me, driving my 20 year old shit box that I bought for £2600, 5 years ago. But still.

  • Sounds about right. That’s about 3.5% of joint income over that time though so it’s pretty cost efficient for us.

    Golf club blah blah

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