I used to have a top of the range fully loaded VW Passat 150bhp TDi. Superb car, best I have ever owned. But it cost me a fortune, which was fine when I had a well-paid job before the "credit crunch"... but I couldn't justify that sort of spend now - £200 a month more than my Stilo of the same age when you factor in finance, depreciation, servicing etc. In fact, new it cost me over 10k for a four year old car, compared with less than 3k for a six year old stilo with similar relative mileage.