All fair points guys and ones that I have raised with her.
Her theory just now is that if she takes a company car, it’s a 4 year contract and so she will leave her job with no wheels. Doing it this way she will have her own car and depending on circumstances at that point, she can then trade in/ downsize or keep.
It’s that balance of what is best for next 4 years of working compared to the end. That’s potentially 60k miles she wants to be comfortable driving.
She doesn’t want to consider anything other than a Qashqai and I can kind of understand. She has had one before, knows the car and is uncomfortable with the normal car showroom experience never mind the current one.
I am pretty sure she is basic rate tax payer. And I already mentioned would it not be better using a pension lump sum to buy a car on retirement but apparently she has already “cashed in” her pension early.
I might try and do some man maths on what that Qashqai might be worth at 6/7 years old and 70-80k miles on the clock. Think it might surprise her. Might not give her any more than if she saved £100 a month for next 48 months.
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