How have you assessed your annual mileage? We all change our needs / usage from 17 to no-longer-safe-to-drive. You'd be amazed how much children can add to car use, unless you're very disciplined or live in an area well served by public transport.
Generally, only pensioners manage less than 8,000 per year, and even if you don't use it to get to work, you may find yourself driving more as your time becomes more precious, and you have a depreciating asset available, with fuel almost the only extra.
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