Downgrade or give up?
Discussion
I read the OP and it could have been written by me!
I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
Fair few replies here, thanks guys....
That was 2013, I had a Clio 172 Phase 1 that I spent £2k making it good as new again, when it went and blew the head gasket and overheated the engine. It still worked, but I PX'd for the 350Z thinking if I were going to fork out huge amounts of money to run a car it may as well be something a bit more special.
Unfortunately the 20 MPG average at a time SUL was nearly the most it's ever been, and doing 40 - 50 miles a day for work meant that it was costing lots in petrol, but also stuff like tyres and brakes can be very costly and towards the end of ownership I was facing possible unemployment.
I chopped it in for a Puma, which was actually a lot of fun, and it handled much better than the 350Z!
I know what you're saying about the Auto thing, if it were a manual I'd probably not have any issue with it in the first place. I also have to say a small part of me feels that actually autos are too uninvolving when on a fun drive, although they are absolutely brilliant for the boring day to day stuff.
I've got to be honest though, motorbikes don't really appeal to me even though I CAN see the appeal. I've always just been much into cars generally, just a personal thing.
te to go wrong IMO and would be very dull to drive after the Z4.
I do remember when I had my MX5, and I used to thrash that, and she was generally cool with it. However, put my foot down even for a second in the Z4 and she's grabbing door handles and curling up on the seat 
That's why a turbo car would probably be even worse! Quite often, if I say I'm hooning she does stays at home 
Seriously though, I still maintain my most fun drives were in the cars with 100 - 150 bhp and lightweight.
I'm pretty sure a late MR2 would be a pretty damn reliable and cheap to run thing.
I think its starting to look obvious where I'm leaning towards
Loyly said:
You have! Is it not the case that you chopped the Clio in after spending loads of money on it? Did the 350Z not go because it was expensive to run? You probably know as well as anyone what the costs of chucking a car for a cheaper one are. If the Z4 were a manual I'd have urged you to fix it, but I struggle be similarly enthused for an automatic.
As for traffic around here, Newcastle can be an irritation at rush hour and the constant road works are st, but it's nowhere near as bad here as it is down South!
If I were you, I'd be tempted to get a motorbike. Buy a cheap runner for commuting and get a nice bike for having fun on. A little money goes a long way with bikes, they're more fun than cars and you can avoid riding it and piling the miles on for every day stuff. You're not far from some of the best biking roads in the country, and it could finally be the change you need to break your cycle of car buying!
Yes, busted. As for traffic around here, Newcastle can be an irritation at rush hour and the constant road works are s
t, but it's nowhere near as bad here as it is down South! If I were you, I'd be tempted to get a motorbike. Buy a cheap runner for commuting and get a nice bike for having fun on. A little money goes a long way with bikes, they're more fun than cars and you can avoid riding it and piling the miles on for every day stuff. You're not far from some of the best biking roads in the country, and it could finally be the change you need to break your cycle of car buying!
That was 2013, I had a Clio 172 Phase 1 that I spent £2k making it good as new again, when it went and blew the head gasket and overheated the engine. It still worked, but I PX'd for the 350Z thinking if I were going to fork out huge amounts of money to run a car it may as well be something a bit more special.
Unfortunately the 20 MPG average at a time SUL was nearly the most it's ever been, and doing 40 - 50 miles a day for work meant that it was costing lots in petrol, but also stuff like tyres and brakes can be very costly and towards the end of ownership I was facing possible unemployment.
I chopped it in for a Puma, which was actually a lot of fun, and it handled much better than the 350Z!
I know what you're saying about the Auto thing, if it were a manual I'd probably not have any issue with it in the first place. I also have to say a small part of me feels that actually autos are too uninvolving when on a fun drive, although they are absolutely brilliant for the boring day to day stuff.
I've got to be honest though, motorbikes don't really appeal to me even though I CAN see the appeal. I've always just been much into cars generally, just a personal thing.
Slow said:
Not read the thread after the first post so excuse me if this isnt what you are looking for but why not a E46 of a 328/330i variety? Coupe,saloon,touring or convertible so all body styles covered.
I have a estate e46 330i which I paid £400 for. About £300 later it had a mot and a set of coilovers (chinese stuff to replace 4 shagged shocks and 2 snapped springs). Its not exactly a sports car but it is still fun to drive on the twistys.
I've already had an E46 328i. I don't really fancy another one though. Still too much sI have a estate e46 330i which I paid £400 for. About £300 later it had a mot and a set of coilovers (chinese stuff to replace 4 shagged shocks and 2 snapped springs). Its not exactly a sports car but it is still fun to drive on the twistys.
te to go wrong IMO and would be very dull to drive after the Z4.Johnnytheboy said:
This.
She won't come round to you driving fast later, and you'll end up doing 40 to garden centres wearing a hat.
While its quite often a tempting option She won't come round to you driving fast later, and you'll end up doing 40 to garden centres wearing a hat.
I do remember when I had my MX5, and I used to thrash that, and she was generally cool with it. However, put my foot down even for a second in the Z4 and she's grabbing door handles and curling up on the seat That's why a turbo car would probably be even worse! Quite often, if I say I'm hooning she does stays at home Seriously though, I still maintain my most fun drives were in the cars with 100 - 150 bhp and lightweight.
Baked_bean said:
I read the OP and it could have been written by me!
I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
Exactly, I don't have a company directors wage at all so I really don't need anything that even vaguely resembles expensive to run. I'm not convinced you could say these cars are cheap to run, even though they are relatively good on fuel for the size of the engine, they do seem to pop up with lots of little moderately expensive faults. These might be 10 years old but they are still pretty complex machines - maybe not by modern standards but still.I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
I'm pretty sure a late MR2 would be a pretty damn reliable and cheap to run thing.
I think its starting to look obvious where I'm leaning towards
Seaweed said:
Sell it and buy yourself a banger to use until you have settled into your new home. Bangernomics is fun.
It's an option certainly. Will have to get the Z sold first and see how the ground lies.Seaweed said:
Sell it and buy yourself a banger to use until you have settled into your new home. Bangernomics is fun.
It really is and incredibly liberating too. May not be for everyone but you won't know 'till you've tried. If it really doesn't appeal then you need to seriously ask yourself why, and ask yourself too just how much you're going to let cars fkuc the rest of your life up.After all the sensible view is cars make excellent servants but terrible masters.
I sympathise OP. It is not nice to worry that a car you once loved is going to do serious damage to your wallet.
I've realised that for me while power is nice to have, handling is more important.
That said it does seem as if you haven't got to bottom of the problems. If there was nothing wrong with the car would you still want to get out of it?
I've realised that for me while power is nice to have, handling is more important.
That said it does seem as if you haven't got to bottom of the problems. If there was nothing wrong with the car would you still want to get out of it?
GM182 said:
If there was nothing wrong with the car would you still want to get out of it?
That's an interesting question. The answer is, probably not. If I am 100% honest though, I will say that the thought of yet another new toy appeals at least a little bit. 
The problem is, I think I would have had to sell it anyway next year depending on the use it got. It made a good sports car for the commute, but if I'm not doing that any more then it seems a bit overkill as a weekend car, insomuch as its an auto (I have to say I *do* miss having a manual on fun drives out), and probably a little too at the luxury end of the spectrum... lovely car for long distances and road trips, but I do those very rarely.
Unfortunately, I don't really rate its handling on British roads. On some roads, you can really push it, but on others, it feels nervous and unsettled, its quite inconsistent, and to be honest, even after a year I don't feel completely used to it. I actually felt my E46 was more confidence inspiring despite being a very dull car in comparison. Even with "just" 265 bhp, I also feel its too fast for the roads most of the time, and on those roads you can fully exploit the engine, you are doing ban speeds easy.
So yes I may have kept it, but I think it became more a case of "better the devil you know". However, facing this much of an outlay and potentially continuing to do so, will eventually, as the bloke in the post above said, f
k your life up eventually.The cars I always seem to miss also tend to be light, small and powerful-ish. I have a real yearning for a light, not too powerful car again. I may be back, but only if I've got a few quid to burn.
cheap but genuinely usable (reliable with minimal simple maintenance needed) cars to play with while you're skint:
Primera GT
MG ZS Diesel
Celica 190
Almera TDi
MR2 mk3
Impreza wrx bugeye estate (the unloved one) (not an STi)
MX5 (this IS PH after all!)
Honda HRV
Suzuki Swift
Mazda Xedos6
Xedos 9 Miller S/c
Xtrail 2.0 petrol
All drive nicely - good steering and handling. got some poke. Not daft on fuel, tax or insurance.
none will catch a Porsche 911 Turbo 'round the Nurburgring. none will be Showroom condition. but they are cheap and good. you can't go far wrong with one (unless its shagged to start with, but you can avoid those ones).
I've been running my Primera for 18 months and done 22k in it. it cost me £350 and a set of tyres.
Primera GT
MG ZS Diesel
Celica 190
Almera TDi
MR2 mk3
Impreza wrx bugeye estate (the unloved one) (not an STi)
MX5 (this IS PH after all!)
Honda HRV
Suzuki Swift
Mazda Xedos6
Xedos 9 Miller S/c
Xtrail 2.0 petrol
All drive nicely - good steering and handling. got some poke. Not daft on fuel, tax or insurance.
none will catch a Porsche 911 Turbo 'round the Nurburgring. none will be Showroom condition. but they are cheap and good. you can't go far wrong with one (unless its shagged to start with, but you can avoid those ones).
I've been running my Primera for 18 months and done 22k in it. it cost me £350 and a set of tyres.
RedAndy said:
cheap but genuinely usable (reliable with minimal simple maintenance needed) cars to play with while you're skint:
Primera GT
MG ZS Diesel
Celica 190
Almera TDi
MR2 mk3
Impreza wrx bugeye estate (the unloved one) (not an STi)
MX5 (this IS PH after all!)
Honda HRV
Suzuki Swift
Mazda Xedos6
Xedos 9 Miller S/c
Xtrail 2.0 petrol
All drive nicely - good steering and handling. got some poke. Not daft on fuel, tax or insurance.
none will catch a Porsche 911 Turbo 'round the Nurburgring. none will be Showroom condition. but they are cheap and good. you can't go far wrong with one (unless its shagged to start with, but you can avoid those ones).
I've been running my Primera for 18 months and done 22k in it. it cost me £350 and a set of tyres.
Thanks Andy - funnily enough I've had a Primera GT - was OK until some tPrimera GT
MG ZS Diesel
Celica 190
Almera TDi
MR2 mk3
Impreza wrx bugeye estate (the unloved one) (not an STi)
MX5 (this IS PH after all!)
Honda HRV
Suzuki Swift
Mazda Xedos6
Xedos 9 Miller S/c
Xtrail 2.0 petrol
All drive nicely - good steering and handling. got some poke. Not daft on fuel, tax or insurance.
none will catch a Porsche 911 Turbo 'round the Nurburgring. none will be Showroom condition. but they are cheap and good. you can't go far wrong with one (unless its shagged to start with, but you can avoid those ones).
I've been running my Primera for 18 months and done 22k in it. it cost me £350 and a set of tyres.
t wrote it off by rear ending it on a rainy Monday morning.I anticipate that the Z will be gone at the weekend, and I have decided I'm most like to look for a Mk3 MR2. If anyone has any advice about these, I have started a thread here: http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Thanks all for the replies, they have been very helpful
Normally, I would say that if you want a cheapish car that's not going to cause you any hassle, a Toyota would be a pretty good choice but the mk3 MR2 is possibly Toyota's least reliable car! A friend who buys and sells a lot of cars had his fingers burnt on one and he doesn't normally make a loss but I think he did on that one. I think that was a pretty early one though to be fair. Apparently, they're pretty good on fuel though, although I find the engine a bit lacking in character compared to a Type-R engine for example. I'm sure that it would make a great fun, relatively cheap 2nd car but I don't think that I would want to live with one as my only car due to the complete absence of a boot and the lack of refinement on longer motorway journeys. Also, the youngest one is going to be at least 10 years old (older than your BMW) and I would want to be looking at something younger as my DD. If you do go down this route, get the latest one you can afford, as these are most likely to have any reliability issues ironed out. I'm also not completely seeing where you'll be making a saving with the MR2, as it sounds like you have a few mods in mind. Would it not be better to spend this money on fixing the gearbox fault on the BMW, as you're going to take a hit on trading it in or if you sell privately, it may take some time or you may have hassle from someone trying to return it because they can't fix/afford to fix the gearbox fault? Even if you don't fix it, at least get the fault diagnosed so that you can be up front about what exactly the problem is and how much it will cost to fix.
My own experience after circumstances (working abroad/kids/buying a house) meaning I had to sell my last automotive love (a 2004 Impreza WRX) three years ago.
Since then, I have owned a sheddy Mercedes C250TD Estate, a 2004 Chrysler Sebring V6 (my car when working across the pond) and a 2013 Honda Civic.
The Mercedes and Chrysler were quite liberating because they didn't cost me much to buy, I didn't care what happened to them and they only cost me oil changes and fuel. The Civic, I regret a little. I had the peace of mind of Honda reliability and warranty but it was costing me a lot of money relatively in payments for not much fun/pride of ownership.
I've finally got back into something interesting, a 2010 MINI Cooper and I love it! A Cooper S would be great but I was concerned about reliability and I would have wanted one of the late R56 N18-engined cars, which were out of my budget. Having said that, the Cooper is still fun every drive, relatively light and very economical and on winter tyres very capable in the snow! For a small car, the control weights are surprisingly weighty and it actually has a BMW kind of feel to it! I can use most of the performance most of the time and it will even lift-off oversteer like my 205 GTi used to but in a far less snappy manner. Technically, it's a downgrade as it's older and the Civic was worth more but I got a very reasonable trade-in, my payments have gone down significantly and I have a car that I enjoy more, so win-win!
My friend has a mk1 Suzuki Swift Sport, which is also a fantastic little car. I'll concede that it has a nicer engine than my car but the ride is very firm and it's very loud on the motorway. I drive more motorway miles than him, so the better refinement, 6th gear and better fuel economy of the MINI works better for me. I can see why he likes it though, as in all other respects, it has a similar feel to the MINI without the retro. The latest Swift Sport fixes these issues with a 6th gear and better ride and refinement, although in my opinion doesn't look quite as sharp but it will be reliable and looks like fantastic value (just a bit more than I could afford).
Trying to find you something a bit different to what you have had before. If you don't mind older, VW Lupo GTi (unusual, holds its value and supposedly very good) or a Peugeot 106/306 GTi/Rallye (widely regarded as the best hot hatches of their time).
If you want more power/more of an all-rounder, a mk5 Golf GTi/mk2 Focus ST/mk1 Mazda 3 MPS/RS Megane 250 should all be reliable and fairly cheap to run.
Something a bit more leftfield would be a W203/W204 Mercedes C-Class. They're not as sporty as a BMW but still have a nice, more luxury-oriented ride/handling balance and are very comfortable, refined and stable. I really liked mine. Get an estate and you can have the Mercedes experience and a very practical car too. Go for a facelifted (2004-)? model to avoid the rust issues that some of the earlier cars can have. The W211 E-Classes are also lovely cars and more reliable post-2006 but still more complex, so on a budget I would stick with the C-Class, which looks like excellent value.
Great car history by the way though and all achieved on a relatively modest budget too. Good luck with the move and whatever car you choose.
EDITED TO ADD: I should mention the Abarth 500 too. My wife had a 2009 1.2 which was very economical and reliable but I didn't like the steering or the very choppy ride. Apparently these are better and quite tuneable as well from what I hear.
My own experience after circumstances (working abroad/kids/buying a house) meaning I had to sell my last automotive love (a 2004 Impreza WRX) three years ago.
Since then, I have owned a sheddy Mercedes C250TD Estate, a 2004 Chrysler Sebring V6 (my car when working across the pond) and a 2013 Honda Civic.
The Mercedes and Chrysler were quite liberating because they didn't cost me much to buy, I didn't care what happened to them and they only cost me oil changes and fuel. The Civic, I regret a little. I had the peace of mind of Honda reliability and warranty but it was costing me a lot of money relatively in payments for not much fun/pride of ownership.
I've finally got back into something interesting, a 2010 MINI Cooper and I love it! A Cooper S would be great but I was concerned about reliability and I would have wanted one of the late R56 N18-engined cars, which were out of my budget. Having said that, the Cooper is still fun every drive, relatively light and very economical and on winter tyres very capable in the snow! For a small car, the control weights are surprisingly weighty and it actually has a BMW kind of feel to it! I can use most of the performance most of the time and it will even lift-off oversteer like my 205 GTi used to but in a far less snappy manner. Technically, it's a downgrade as it's older and the Civic was worth more but I got a very reasonable trade-in, my payments have gone down significantly and I have a car that I enjoy more, so win-win!
My friend has a mk1 Suzuki Swift Sport, which is also a fantastic little car. I'll concede that it has a nicer engine than my car but the ride is very firm and it's very loud on the motorway. I drive more motorway miles than him, so the better refinement, 6th gear and better fuel economy of the MINI works better for me. I can see why he likes it though, as in all other respects, it has a similar feel to the MINI without the retro. The latest Swift Sport fixes these issues with a 6th gear and better ride and refinement, although in my opinion doesn't look quite as sharp but it will be reliable and looks like fantastic value (just a bit more than I could afford).
Trying to find you something a bit different to what you have had before. If you don't mind older, VW Lupo GTi (unusual, holds its value and supposedly very good) or a Peugeot 106/306 GTi/Rallye (widely regarded as the best hot hatches of their time).
If you want more power/more of an all-rounder, a mk5 Golf GTi/mk2 Focus ST/mk1 Mazda 3 MPS/RS Megane 250 should all be reliable and fairly cheap to run.
Something a bit more leftfield would be a W203/W204 Mercedes C-Class. They're not as sporty as a BMW but still have a nice, more luxury-oriented ride/handling balance and are very comfortable, refined and stable. I really liked mine. Get an estate and you can have the Mercedes experience and a very practical car too. Go for a facelifted (2004-)? model to avoid the rust issues that some of the earlier cars can have. The W211 E-Classes are also lovely cars and more reliable post-2006 but still more complex, so on a budget I would stick with the C-Class, which looks like excellent value.
Great car history by the way though and all achieved on a relatively modest budget too. Good luck with the move and whatever car you choose.
Edited by white_goodman on Thursday 8th December 17:24
EDITED TO ADD: I should mention the Abarth 500 too. My wife had a 2009 1.2 which was very economical and reliable but I didn't like the steering or the very choppy ride. Apparently these are better and quite tuneable as well from what I hear.
Edited by white_goodman on Thursday 8th December 20:47
Years ago, in the dot.com bust - I had to make substantial re-adjustments (Big House, Brand New BMW and Mercedes and Kids in Private School). We moved to a smaller house got rid of the cars (kept an old Zafira) to keep the kids in school (my logic is that you can always buy stuff again, but you cannot re-do your children's education). Anyhow, I was quite down for a few years, but back working again, and my wife insisted I get a fun car to get me motivated again. With a budget of £1k, I bought a Mk1 MX5 (PH's answer to every questions, I know). What a revelation, the most amazing fun for peanuts. The best Tyres we £30 per corner, clutch slave cylinder £12 and you can be having so much fun within the speed limit. As time has gone on, I have got back on my feet, Kids are heading to Uni or already working, and I have bought a few toys again since, but the Mk1 MX5 (I have had 3 now - having given my Son, my 3rd one for his 21st Birthday), is still the car that brought me the most happiness. Downgrading can also be an upgrade... Giving up will never be an upgrade.
Baked_bean said:
I read the OP and it could have been written by me!
I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
What was the £1500 bill for.I currently have a Z4 coupe and am moving into a house so need to free up some cash...my car is for sale but I do already have a company car so my need isn't as great as yours.
I have also had a large bill of around £1500 which prompted me to sell as I can't be dealing with bills like that whilst moving house.
I have been considering one of these myself.
@whitegoodman - interesting post. I didn't think the MR2 was supposed to be unreliable? To be honest re: the Z4 if I thought that the gearbox was the only thing that's going to need sorting I would have maybe considered sorting it, but I know there are other things that will need sorting too (water pump is basically a time bomb waiting to happen, another £500, among the faults I already know about).
That being said, I'd kind of be a liar if I said that there wasn't a temptation for a new toy, and really its looking less likely I will need to use a car daily as I'm looking to move even closer to work than I am now, so the car will be relegated to a toy in that case anyway. I personally think the Z4 is a little too much car for that anyway especially in auto guise, which is why I kind of want a lightweight little car again. Plus the fact I am moving means I will have less money to run a car. I still want to be a petrolhead, its been the habit of a lifetime, but I dont want to worry about it too much either. Big bills I am becoming increasingly allergic to!
@TheJimi - tell me about it! Everyone I know comments on how unlucky I am. I must be dedicated to the cause to still bother
@Jazzybee - I am hoping that I will feel the same way, and to be honest, my most fun cars were some of the less powerful ones. I'd go for another MX5 but I've had 2 and the rust thing had one of them meet its maker! What I've noticed as well with cars such as the Z4 and 350Z is they are heavy and kind of blunt, and too powerful to actually grab by the scruff of the neck on the road, you just can't do it. I'm looking forward to going back to a car where you can. I think thats why I've enjoyed stuff like Mk2 Golf GTIs, MX5s, Pumas and the like so much.
That being said, I'd kind of be a liar if I said that there wasn't a temptation for a new toy, and really its looking less likely I will need to use a car daily as I'm looking to move even closer to work than I am now, so the car will be relegated to a toy in that case anyway. I personally think the Z4 is a little too much car for that anyway especially in auto guise, which is why I kind of want a lightweight little car again. Plus the fact I am moving means I will have less money to run a car. I still want to be a petrolhead, its been the habit of a lifetime, but I dont want to worry about it too much either. Big bills I am becoming increasingly allergic to!
@TheJimi - tell me about it! Everyone I know comments on how unlucky I am. I must be dedicated to the cause to still bother
@Jazzybee - I am hoping that I will feel the same way, and to be honest, my most fun cars were some of the less powerful ones. I'd go for another MX5 but I've had 2 and the rust thing had one of them meet its maker! What I've noticed as well with cars such as the Z4 and 350Z is they are heavy and kind of blunt, and too powerful to actually grab by the scruff of the neck on the road, you just can't do it. I'm looking forward to going back to a car where you can. I think thats why I've enjoyed stuff like Mk2 Golf GTIs, MX5s, Pumas and the like so much.
TameRacingDriver said:
@Jazzybee - I am hoping that I will feel the same way, and to be honest, my most fun cars were some of the less powerful ones. I'd go for another MX5 but I've had 2 and the rust thing had one of them meet its maker! What I've noticed as well with cars such as the Z4 and 350Z is they are heavy and kind of blunt, and too powerful to actually grab by the scruff of the neck on the road, you just can't do it. I'm looking forward to going back to a car where you can. I think thats why I've enjoyed stuff like Mk2 Golf GTIs, MX5s, Pumas and the like so much.
Sounds like we have similar taste - I had a few Mk2 Golfs, but could never quite get to owning a GTI (which was all I wanted when I passed my test). I hear you about the MX5, but I think they are on the verge of recovering some value, and there are some great cars that need some love. About 5.5 years ago I spent twice what I paid for the MX5 on its refreshThat's life OP, you have to give up some pleasures for the greater good sometime. Moving from a flat to a house is a nice enough upgrade in life anyway and is a lot more difficult to achieve than running a fun car.
I got rid of my newish 3 series for an old 5 series touring and a £400 Prius. Broke my heart at the time but soon forgot about it and appreciate having the extra money to knock 2 years off my 5 year loan, it will help me move up the ladder later. Also it's good having 2 insurance policies building up on cheap cars as it means once my finances have recovered and in good shape when I can go back to a nicer car I'll have enough NCB to have a fun toy that's relatively cheap to insure.
I got rid of my newish 3 series for an old 5 series touring and a £400 Prius. Broke my heart at the time but soon forgot about it and appreciate having the extra money to knock 2 years off my 5 year loan, it will help me move up the ladder later. Also it's good having 2 insurance policies building up on cheap cars as it means once my finances have recovered and in good shape when I can go back to a nicer car I'll have enough NCB to have a fun toy that's relatively cheap to insure.
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