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PCP - Does it cost in?
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If you had all the money available, wouldn't it be cheaper to just buy the car outright and avoid paying interest on the outstanding balance which is likely going to exceed your savings interest?
If you spent ALL your available money on the car and then struggled at work would you have any left to cover against that?
If you have money in the bank keep it in the bank. If your income stops/slows down at least you have the money in the bank as a back up and just a monthly payment to worry about for a few months until work picks up again. Oh and a nice new reliable car that is still under warranty.0
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