Yes, I would totally do that, because the bloke who's job is linked to car finance shouldn't be a f**king retard and should be able to see that I'm talking about monthly cost, not overall. Anyone can see that, you just didn't need to go off on one again. Anyway, Everest isn't a climb, it's a walk, and people with no legs have done it believe it or not, so could easily be true. EDIT: No Jardo, you're missing the point. People deal with money differently. Some look at total cost for all time, some look at total cost for that month, or a year. He wanted to save his monthly outgoings, which he has managed to the tune of ~£650, and he's retained a newer car. I'd say that's pretty f**king clever.