Your excluding other running costs though such as: -
Road tax
Seriously? Road tax? Road tax is a non-issue on any of these cars. Compared with the purchase price and other costs, it simply doesn't matter what the road tax is.
The 330i costs less than £100 a year more to tax.
Car Insurance
You are 31 not 17. They all cost about the same to insure. It's not going to be a huge amount less money to insure a 320d.
Will eat more tyres / brakes
Well, not neccesarily. If you drive it everywhere like you've just nicked it then it might but if thats your driving style you probably wouldn't want the 320d in the first place.
You seem to be approaching the purchase of a near 20 grand car with the sort of mentality you'd expect if you were buying a 2 grand one.
Why are you ignoring the fact you are spending almost £20,000 on a car that will be worth perhaps half that in 3 years time, yet happily obsessing over95 quid difference in tax and 60 quid a month in petrol? I don't get it. Either you are bothered about saving money, in which case why the 18.5k budget, or you are comfortable with the amount you are spending, in which case why the focus on small cost differentials?
I do get it - for many people 60 quid a month is a lot of money. As is the £95 a year road tax difference. But these people tend not to be buying £18,500 cars.
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