sister in law is long term spinster of this parish, holds down convienant local job does about 5k mile a year. currently owns a nissan shes had for 10 years.. its showing its age and lack of care. she literally put petrol in and drives till it stops.

mot just passed last week but fella honestly felt she should be looking at having something new..

she wants a small car probably japenses that runs on fumes and is relaible, nothing flash.no desire for ‘toys’ just a simple car that starts stops pref. new or almost.

so does she buy, cash money. buy with a deposit and monthly payments or do one of these new fangled things where you half rent, half buy dont seem to own anything or any combination of all three?

Theft is your answer.

Service her current car once a year and run for another 10 years.

Keep her cash.

so does she buy, cash money. buy with a deposit and monthly payments or do one of these new fangled things where you half rent, half buy dont seem to own anything or any combination of all three?

There’s no right answer to that really.

Don’t buy a new car for cash without a decent discount, because there’s a bigger margin built into them these days to make PCP look like a no-brianer, this margin is called “manufacturer support” these days and isn’t always available to the dealer for a cash buy.

Truthfully though, the cheapest way to buy a car is a buy a 3 year old one that’s been looked after for cash and run it for 7 years or more. You avoid the massive initial depreciation and run it to the point it’s going to cause most problems.

If you don’t have the cash get a PCP because the industry is focused that way and they work well for consumers who just want to have a car for a certain amount of time and then another one.

If you don’t have the cash get a PCP because the industry is focused that way and they work well for consumers who just want to have a car for a certain amount of time and then another one.

PCP is fine if you go in with your eyes open, getting a car on pcp and being sucked into the new car every 3 years thing isn’t good.

Ford doing interest credit on pcp at the moment and for me it’s the best way to buy. Keep my cash in the bank, pay the monthly payments out of it and then pay the lump sum at the end to keep the car.

Sites like drive the deal and carwow are good for giving you a figure to aim at.