RXT all that matters is whats right for you and being informed on any decision you make is key.
Imo there’s nothing wrong with you staying as you are for now and keeping the allowance you’ll get every month for a deposit on a car when your daughters old enough to learn and do lessons and insurance, or when you decide the times right for you. It will build up a little pot at £64.50 a week and in april that will rise again.
The scheme, is quite restrictive for under 25s and many choose not to use it for that reason. Good thing is you have options that before you didn’t. Sure mb gives help with lessons as well.
Part of me doe’s think Ap’s past a certain point are like renting a house over owning your own and I’ve never seen value there for me or can justify spending such an amount on leasing a car or adding extras.
I was lucky getting the 0% deal and I moved quick as I had a feeling rates was going to rise soon.
I was telling my brother the same as he needed a new car (around six months ago) which he uses for work and gets a mileage allowance. Plus recently they just bought a house and a few weeks ago had their 1st child. By the end of the year i predict rates will be at least 3%. so sometimes you gotta give yourself plenty of wiggle room or you might get caught in the bank loan default trap.
That’s whats great about this forum it’s here to help and inform people and only you truely know your full situation, such a shame ap’s have risen so much and the car’s on the scheme are so limited right now never mind the wait for some is verging on ridiculous. It’s definitely for some made it a harder decision than it was.