Which you could get on the Focus as well of course (witness the probably bust spring), but yeah, you're right, replacing it is taking on a bunch of risk in return for not much cash in hand each month.
She should keep the Focus.
In article , Vim Fuego says... month.
I would. There's plenty of other ways to save money. Point her at
For example, my missus shops at Tesco. You can use £40 of clubcard points to pay for RAC membership which saves £130 a year alone.
Although AutoAid is a better deal at about £35 a year. And yes it is good cover. I spend my Clubcard vouchers on service/MoT at Nationwide, OK maybe they're not as good as a local specialist indie garage but my local one seems pretty good, I like to get my cars looked over by an (alleged) professional at least once a year, their MoTs are fair and £45 in Clubcard points for a full service is pretty unbeatable.
I've got my friend switching over to a water meter (should be cheaper), best deal on gas/elec, switching to a mobile phone that gives her all her line rental back as cashback, etc. etc.
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