>>>"18,000 a year in a 3k car is recipe for big bills."
Not necessarily...
When my circumstances changed and my annual mileage went from ~11k to >24k and I didn't know for how many years that might continue, I decided to offload my perfectly-running 160+k mile 13 year-old 2.0 petrol car to get a diesel.
As an entirely privately-funded car user, I set myself an arbitrary maximum of £5k, simply because I didn't feel like spending more than that.
In the event, I only spent just over £3k. The car was already nearly 5 years old and had done 53k miles.
In my use pattern, because I got more than 60 mpg overall, rather than just under 40 mpg, this car was saving me about £1,300 a year in fuel costs, so would have almost paid for itself after 2 years.
The car DID indeed do that annual mileage, as it turned out only for 18 months before my circumstances changed again.
But I did not suffer any big bills.
So it can be done.
I still have the car. Myself, I've done 52k miles in it so far, and have still not suffered any big bills. I don't especially like it (mainy on account of the seat comfort), and it currently has a repeated split-second cutty-out issue during its warm-up phase, but I can't bring myself to get rid of it until some truly big bill arrives, because it simply does what it needs to, in terms of transporting family and luggage at entirely adequate pace and only mild discomfort, whilst still returning close-on 60 mpg.
Maybe I was lucky, in that I believe it doesn't have a DPF. And maybe I've been further lucky, because some people curse this (Fiat) engine.
(It's a 2007 1.3 diesel Astra estate)
One thing I would say, Flowers, is if your usage really is short journeys, DON'T get a Mazda diesel.
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